By Cynthia Walker, CEO It was a long time coming. Following seven years of near-zero rates, the Federal Open Market Committee raised the Fed Funds target rate to a range of 0.25 to 0.5% based on the “reasonable confidence that inflation will rise, over the...
By Jason Williams, Financial Analyst One of the terms that comes up regularly in audit and regulatory exams for credit unions is “liquidity.” As you evaluate investments, and consider your overall investment portfolio needs for your credit union, liquidity...
By Matthew Jacobsen After 7 years of historically low rates, the Federal Open Market Committee (FOMC) increased the Fed Funds target rate by 25 basis points. The committee cited various positive economic data as its basis for the action. However, the press release of...
By Cynthia Walker, CEO and Jeffrey Johnson The January 2016 Consumer Report magazine front cover reads, “Get the Bank of Your Dreams.” The focus of their main article ties in very closely with the topic I want to address. When people I meet find out I work...
By Mark H. Smith, Founder ALM models have come a long way. Over the last three decades they have evolved from simple spreadsheets estimating a gap between the repricing points of assets and liabilities to sophisticated computer-driven software that considers a...
