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...
By Cynthia R. Walker, CEO Credit unions in the asset range of 10 million to 250 million have seen their loan to total asset ratios increase in the last 5 years from a low of 49% to a ratio of 55% as of December 2017. Mark H. Smith, Inc. Peer Analysis Balance Sheet...
By Jason Williams-Portfolio Manager and President of Moreton Asset Management After the longest period in U.S. economic history of short-term interest rates remaining below 1 percent, the U.S. Federal Reserve initiated a rate tightening cycle that began in...
How The Interest Rate Environment Affects This Relationship By Matthew Jacobsen, VP In June of 2006 the federal funds target rate was at 5.25%. From 2007 to the end of 2008 the rate was decreased to a range of 0.00% to 0.25% where it remained until December of 2015....
Mark H. Smith, Inc. recently conducted a survey on CECL and Comprehensive Loan Analytics. This was a follow-up survey to the CECL survey we conducted earlier in the year (see previous CECL survey results here). This survey was designed to assess Mark H. Smith, Inc....
