Articles
Understanding the role of fintech: Experiences from ALM First’s 2021 Financial Forum
Published by CUInsight The ALM First Financial Forum brings the brightest leaders in the industry together with exceptionally unique networking opportunities. This year’s Forum was held at the Silverado Resort in Napa Valley, a quaint but bold resort in the wine...
Utilizing Swaps
Key Takeaways: Understanding swap use in today’s landscapeRemaining competitive in the lending space despite a flatter curveMaintaining a lower cost of funds in a rising rate environmentProtecting against the risk of unrealized losses in the investment portfolio Swaps...
Capital: How much is enough?
Published by CUInsight Capital is an important portion of any financial institution’s balance sheet, as it can be used to absorb losses and designates the percentage of assets a financial institution can stand to lose without becoming insolvent. The overarching...
4 Questions Every Board Member Should Ask about Mergers
Published by CU Business It’s no secret that merger and acquisition activity is poised to ramp up in the financial services industry as leaders seek ways to manage reduced earnings, offer more convenient service through enhanced digital and physical channels,...
Mortgage hedging in the secondary market: Hedging with securities
Published by CU Insight The mortgage-backed security (MBS) market has seen some changes in 2021 stemming from the Federal Housing Finance Agency (FHFA), the agency responsible for regulating Fannie Mae and Freddie Mac (the “GSEs”). Perhaps the most notable is the cash...
Mortgage Hedging in 2021: Payups and Politics
Published by CU Business So far in 2021 the mortgage environment has felt like a reversal of 2020’s anomalous events. Furthermore, as if hedging mortgage risk wasn’t complicated enough, 2021 has brought some interesting updates and trends—the outcome of which could...
Change Likely to Lift Number of Participating CUs
Published by CU Today DALLAS—One ALM expert believes NCUA’s new rule on derivatives not only solves a “classic” dilemma for many of the very largest credit unions, it may also provide some assistance for credit unions further down the asset scale. Feature Derivatives...
How to Evaluate Loan Participations in a Seller’s Market
Published by CU Business As of January 31, 2021 more than 1,700 credit unions list balances from purchased participations and over 850 Credit Unions list outstanding sold participations on their balance sheets. It may be a seller’s market currently, but there are...
Fundamentals of Banking: How Higher Rates Impact Depositories
Published by CU Business Despite the current conversations regarding rising interest rates and depositories’ bond portfolios, now is the time to look at long-term, sound asset liability management. Comments and questions such as “Rates went up and I should have locked...
Are Derivatives in Your Credit Union’s Toolbox?
Published by CU Business New proposed derivatives rule may offer an opportunity for federally chartered credit unions to gain greater flexibility in managing interest rate risk and making profitable decisions. Last Fall, the NCUA Board of Directors unanimously...
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