Articles
Beyond Traditional Stress Testing
On March 13th, a national emergency was declared in response to the COVID-19 pandemic. The economic impact of the pandemic has raised questions about capital adequacy in the ongoing coronavirus crisis. Economic shutdown and stay-at-home mandates forced many...
ASG Industry Perspective – Q2 2020
Second Quarter, 2020 Commercial Banks increased provisioning with provision for loan losses to average assets more than tripling YoY.Reserves/NPAs continue trending upward by 78% for Commercial Banks and 25% for CUs YoY. Net charge offs as a percentage of average...
ASG Industry Perspective – Q1 2020
First Quarter, 2020 Commercial Banks witnessed record breaking growth in assets and deposits, with 42.3% and 43.0% annualized QOQCredit Unions grew significantly in assets and deposits, with 18.3% and 17.0% annualized QOQQuarterly ROAs for CUs and Commercial Banks...
How the Pandemic is Shaping the M&A Landscape
Are we at a tipping point for credit unions? Proactive credit unions that have been performing well for a long period of time are starting to reconsider potential mergers and acquisitions for relevance, stability, scale and, most importantly, to benefit...
Mortgage Lenders ‘Make Hay’ With Loan Spreads Widest Since 2008
Unemployment is high. Credit is tight. And scientists are warning that a dangerous second wave of the coronavirus is coming. But somehow, U.S. mortgage companies are having one of their best years in history. Just ask Keith VandenAkker. He's forgoing weekends to keep...
Could Your Institution Afford a $2.2 Million Drop in Investment Yield?
Reinvestment Risk Rears Its Ugly Head, Savvy Managers Seek Alternatives to Ladder Portfolios If your depository has historically invested in passive Treasury and bullet ladders, it may be time to re-evaluate your investment strategy and seek more actively managed...
We Will All Get Through This – Let’s Make a Difference Along the Way
The world is grappling with an issue of enormous scale and I find myself cherishing my family, work family, friends, and amazing clients. Our hearts go out to all those affected by the virus. No crisis is an isolated, neatly contained incident and the COVD-19 outbreak...
Seven Practical Reminders for Financial Institutions in a Volatile 2020
When interest rates make sudden, unexpected movements, it is imperative that financial institutions remain diligent and make sensible, yet timely decisions. Extreme volatility may provide rare opportunities to capitalize on disjointed markets. Here are 7 tips to keep...
The Impact of a Bank Acquisition on a Credit Union’s Net Worth
Over the last few years, there has been a rise in the number of credit unions acquiring community banks. Several additional complexities exist when a credit union acquires a community bank in comparison to acquiring a credit union. The largest difference is that cash...
Trust for Credit Unions Grows by 60% in 12- months, Exceeding $1 billion in Assets
Washington, D.C. – The Trust for Credit Unions (TCU), the largest family of institutional mutual funds created specifically for credit unions’ unique investment needs, has experienced strong growth as many credit unions re-evaluate their investment options. Total...
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