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 more
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 more
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 more
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 more
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 more
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 more
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 more
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 more
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 more
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 more
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“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.
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