Record low long-term U.S. Treasury interest rates and economic growth. The second quarter ended with the 10-year and 30-year U.S. Treasury yields at record lows. To put that in perspective, the U.S. Government has been issuing debt for over 220 years. The U.S....
A rate sensitivity analysis is very useful when attempting to determine how a change in the Fed Funds rate will impact a credit union’s cost of funds. As we have performed these analyses this year to help clients and prospects, we were somewhat surprised to observe...
Mark H. Smith Staff There has been quite a bit of media attention paid to loan growth in the last year. We surveyed credit unions, both clients and non-clients, to better understand their lending trends and environment. The results are interesting and indicate 67% of...
By Mark H. Smith, Founder Credit unions and like-minded small businesses across the country are the heart and soul of the US economy. While big business focuses on shipping jobs to far-off lands where labor is cheap and taxes are low, small business remain centered on...
By Scott Butterfield, Guest Author Our guest article this issue is presented by Mr. Scott Butterfield of Your Credit Union Partner. It treats a topic that we don’t usually approach here at Mark H. Smith, Inc. That is the promotion and selling of consumer loans....
