The Changing Tides of Non-Interest Income

The Changing Tides of Non-Interest Income

BY JEFFREY JOHNSON   Average fee and other operating income were both increasing leading up to the financial crisis. However, since the financial crisis, fee income has been steadily decreasing and other operating income has been increasing. The increase in other...
ALCO – Always Looking Constructively

ALCO – Always Looking Constructively

BY CYNTHIA R WALKER, CEO   The Asset Liability Committee plays a large role in the strategizing and performance of a credit union. Understanding the ALCO’s role and how to organize and utilize an effective ALCO can be ever changing and worth reviewing. Whether you...
Consumer Lending: Leave No Stone Unturned

Consumer Lending: Leave No Stone Unturned

BY SCOTT BUTTERFIELD, GUEST AUTHOR   Today’s competitive landscape requires many different loan-growth strategies that range from squeezing a little more from indirect auto channels, to a plan to increase higher-yielding consumer loans. Today’s lenders are always...
Minding the Margin

Minding the Margin

BY MATTHEW JACOBSEN   The Federal Funds rate has now been increasing since December of 2015. The current Federal Funds target rate is 1.75% at the time of this writing. The U.S. Treasury curve three-month to five-year terms have also been increasing during this time...