Articles
How Mispriced Loans Are Fueling a Liquidity Crisis
Originally published by CU Times Credit union leaders typically celebrate record loan volumes. However, when below market-rate loans are driving unprecedented growth in areas like indirect auto loans, it’s time to recognize the reality that record volumes can be a...
Strengthening Financial Performance in a Rising Rate Environment
Originally published by BankDirector Interest rate volatility has been a dominant theme this year and inflation worries have begun morphing into recession fears. For banks, rising rates are generally a positive trend; they tend to result in higher deposit franchise...
Increasing Incidence of High-Risk in NCUA’s NEV Supervisory Test
Originally published by CU Business Just over 6 years ago, the National Credit Union Administration (NCUA) announced key changes to interest rate risk supervision during its June 16, 2016 board meeting, which included the rollout of the Net Economic Value (NEV)...
ALM First Buys Phoenix Executive Recruiter DDJ Myers
Published by CU Times ALM First Group, a Dallas-based financial advisory service that focuses on credit unions, has extended its range to include executive recruitment and organizational consulting by acquiring DDJ Myers of Phoenix. The purchase closed July 1 for an...
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...
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