The Changing Tides of Non-interest Income

The Changing Tides of Non Interest Income

The Changing Tides of Non-interest Income

By Jeffrey Johnson

Photo 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 operating income has just about offset the decrease in fee income. This trend becomes more pronounced as the asset size of credit unions increases. What do these changes in income mean going forward?

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Minding the Margin

By Matthew Jacobsen, VP

Photo 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 period.

Credit unions need to consider this possibility when setting loan rates and particularly when setting rates for fixed-rate loans where these rates may be in two to three years.

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Consumer Lending:Leave No Stone Unturned

By Scott Butterfield, Guest Author

Photo 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 working toward that optimum balance of yield and risk, seeking growth through tighter member relationships, and better market penetration.

In a perfect world, we hope to achieve loan portfolio "nirvana" with high loan deployment, solid loan growth, high loan products per member, increasing market share, and the best mix of products to maximize interest margin and risk. As you pursue your version of loan portfolio nirvana, don't forget the opportunity and importance of personal, unsecured consumer loans.

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ALCO – Always Looking Constructively

By Cynthia R. Walker, CEO

Photo 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 have a strong ALCO in place, are organizing your first ALCO, reorganizing your ALCO, or redefining the ALCO responsibilities, the following points may be helpful.

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2nd Quarter 2018

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Mark H. Smith, Inc will be taking a short break from webinars in the summer. We will be back in September with new and relevant topics important to credit unions.

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