Articles
Important Considerations for Credit Union-Bank Mergers
Published in: CU Times Only seven credit unions announced they bought banks in 2017; however, as of June 2018, five deals of the same nature have already been announced. Credit unions are becoming increasingly involved in community bank bidding – a trend that is...
read moreThree Steps Credit Unions Should Take Now to Prepare for CECL
Published in: CUNA Council Credit unions have been discussing FASB’s decision to move to the CECL standard as a replacement for the current accounting methodology of allowance for loan and lease losses (ALLL) and other than temporary impairment (OTTI) over the past...
read moreCredit Unions Must Prep Now for CECL
Published In: CU Times The deadline for implementing the Financial Accounting Standards Board’s new current expected credit loss rules may seem far away, but experts are warning credit unions to start getting ready now. The rules, which require credit unions and other...
read moreFocusing on Investment Process, Regardless of Interest Rates
Published In: Credit Union Business The current interest-rate environment presents challenges for credit unions. The Fed has continued to raise rates and while industry-wide financial performance has improved, net interest margins remain thin. Appropriately pricing...
read moreFocusing on Investment Process, Regardless of Interest Rates
Published in: BANK Business The current interest-rate environment presents challenges for credit unions. The Fed has continued to raise rates and while industry-wide financial performance has improved, net interest margins remain thin. Appropriately pricing deposits...
read moreHedging Strategies in 2018: Flatter and Higher Rates
Published in: CU Business It’s no secret to anyone in banking: rates are higher, and the curve is flatter. With the market expecting one more rate hike in December, it is important to look at current credit union financial conditions and hedging strategies with...
read moreFive Steps in Evaluating Loan Pools
Published in: CUNA Council High performing credit unions understand the importance of evaluating all asset classes, including whole loans, when constructing their balance sheets. Just like a securities investment or loan origination, incorporating the secondary whole...
read moreApplications of Hedging Programs
Published in: Credit Union Business Hedging programs exist in various forms and in a wide array of industries. At its most elementary level, hedging is the action of adjusting, reducing, or mitigating the adverse impact of potential market fluctuations. For many...
read moreEvaluating Loan Pools
Published in: Credit Union Business High performing institutions understand the importance of evaluating all asset classes when constructing their balance sheets, including whole loans. No different from a securities investment or loan origination, incorporating the...
read moreEvaluating Credit Risk in the Investment Portfolio
Published in: Credit Union Business Many institutions take credit risk in their loan portfolio and avoid this exposure in the bond portfolio. However, adding credit exposure to an investment portfolio gives investors an opportunity to enhance expected returns as well...
read moreSubscribe Today!
Subscribe to our email list and get the latest articles and announcements from ALM First.
All investing is subject to risk, including the possible loss of the money you invest.
“ALM First” is a brand name for a financial services business conducted by ALM First Group, LLC (“ALM First”) through its wholly owned subsidiaries: ALM First Financial Advisors, LLC (“ALM First Financial Advisors”); ALM First Advisors, LLC (“ALM First Advisors”); and ALM First Analytics, LLC (“ALM First Analytics”). Investment advisory services are offered through ALM First Financial Advisors, an SEC registered investment adviser. Balance sheet advisory services are offered through ALM First Advisors. Financial reporting services, loan introduction services, and other special project services are offered through ALM First Analytics. Neither ALM First nor any of its subsidiaries provide legal, tax, or accounting advice.
INVESTMENT PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, ALM FIRST OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED.