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 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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By Matthew Jacobsen, VP
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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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 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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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 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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How often do you use these words to describe your ALM Provider? Our clients do!
Contact us and we'll show you how your credit union can start using these words. We can help with all your ALM related needs.
Analysis includes:
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2nd Quarter 2018
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Upcoming Webinars
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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.
Some of these topics will be:
- Third Party Validations/Reviews
- Strategic Planning
- CECL
- Interactive Peer Analysis
- And More
Please watch for upcoming dates and our emails or visit markhsmith.com for more information.
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