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...
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...