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...
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...
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...
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...
By Matthew Jacobsen, VP In 2017, credit unions continued to see solid loan, share, and membership growth. Growth in these areas has been consistent since the last recession, and loan growth has slightly picked up the pace in recent years. Loan portfolio credit...
