Displaying 1 - 10 of 65 results.
January 17, 2024 | Ask ALM
On Wednesday, January 17, the NCUA released an Advisory letter on Liquidity Risk Management. Liquidity remains a topic of discussion and increased focus given the reduction in on-balance sheet liquidity…
View Article →August 4, 2023 | Ask ALM
Finding cost-efficient sources of funding has become a growing challenge for financial institutions. Banks and credit unions have both seen accelerated deposit outflows as well as a substantial shift in…
View Article →May 9, 2023 | Ask ALM
Three of the four largest bank failures in U.S. history have occurred in the past 60 days. While Silicon Valley Bank, Signature Bank, and First Republic Bank had different reasons…
View Article →February 15, 2023 | Ask ALM
As financial institutions continue to see deposits run off their balance sheets due to higher interest rates and inflationary pressures, many have begun to lean on a variety of wholesale…
View Article →January 6, 2023 | Ask ALM
Many institutions have experienced significant increases in the value of their mortgage servicing rights (MSR) assets this past year, making MSR hedging a timely topic. MSR assets generally increase in…
View Article →December 15, 2022 | Ask ALM
Total investments in pre-funded employee benefits programs have increased drastically as credit unions continue to navigate challenges in attracting and retaining talent amid rising benefits costs and tight labor market…
View Article →August 31, 2022 | Ask ALM
Throughout the first half of 2022, many institutions have seen liquidity tighten due to increased loan demand and slower deposit growth. This has caused depository leaders to look for alternative…
View Article →July 22, 2022 | Ask ALM
In June of 2021, the 10-year treasury sat just under 1.50% and mortgage rates were in the 3% range for many borrowers. Housing prices were soaring and financial depositories across…
View Article →April 8, 2022 | Ask ALM
Subordinated debt is an unsecured loan issued by a depository institution that is treated as regulatory capital due to its subordination to all other creditors. Recent changes to the NCUA’s…
View Article →March 3, 2022 | Ask ALM
On October 21, 2021, the National Credit Union Administration (NCUA) Board approved the Final Rule that officially adds the Sensitivity to Market Risk or “S” component to the CAMEL rating…
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