Articles
The Road to Higher Profits
Banks want to achieve above-average profitability. Profitable growth is a critical element to success as an organization. Long-run commercial viability occurs when an organization delivers value to its constituents in a profitable and sustainable manner. But how do...
read moreFour Critical Reports for a Successful Investment Process
Timely and accurate management reporting is key to any credit union’s successful investment management process. There are four specific reports that are critical to the success of credit union investment portfolio managers and should be produced periodically: A...
read moreBalance Sheet Basics in a Changing Economy
Top-Level Takeaways Balance sheet management helps credit unions better understand how current and future economic scenarios will affect assets and liabilities.For this year and beyond, credit unions should monitor rates, liquidity, and technology costs. Interest...
read moreBest Practices in Measuring Investment Portfolio Performance
Evaluating fixed-income performance according to book yield or total return is a common question received by ALM First, investment adviser to the Trust for Credit Unions Portfolios and trusted partner to more than 250 financial institutions. To answer it, we’ll break...
read moreThe Building Blocks of Investment Reporting
Published in: CU Business Timely and accurate management reporting is key to a successful investment management process. There are four reports that are critical to a manager’s success and should be produced periodically: a Portfolio Holdings report, an MDRA or...
read moreWhy Your Credit Union Should be Hedging
Published in: CUNA Finance Council Year-end industry analysis has shown that 2018 was a standout year for credit union performance. Credit unions recorded the highest ROA and ROE metrics observed post-crisis, and industry net worth finished at one of the strongest...
read moreHedging in a Dynamic Market Environment
Published in: CU Business Domestic economic expansion is steady, and short-term interest rates have increased 2% in three years’ time. Loan growth runs hot and earning assets are repricing to higher market rates causing gross income to increase at a notable clip. At...
read more2019: A Year for Core Lending Principles
Published in: CU Business 2018 proved to be an eventful, and profitable, year for most credit unions. Amidst heightened volatility from domestic and international concerns, credit union performance reached post-crisis highs over the year (Figure 1). Now, in early...
read morePreparing Your Credit Union for 2019 Industry Risks
Published in: CUNA Finance Council Credit unions posted record profits last year. However, liquidity, repricing and interest rate risks should be key areas of focus for financial cooperatives in 2019. Don’t Let Strong Industry Performance Lead to Complacency As...
read moreImportant 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...
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