Past Newsletters Archive

WINTER EDITION – 2019

- CECL and Your Credit Union’s Investment Portfolio
- As Interest Rates Go Down, What Does That Look Like For ALM?
- 2019 Interest Rate Recap and Outlook

FALL EDITION – 2019

- CECL – What We’ve Learned That Will Benefit Your Credit Union
- Strategic Planning for Growth
- Liquidity Management – Essential to Your Credit Union
- Economic Commentary – Interest Rates, Uncertainties, and 2020 Budgeting
View here

SUMMER EDITION – 2019

- What Goes Up Must Come Down
- Interest Rates and Economic Commentary
- Interest Rate Risk Policy Reviewed?

SPRING EDITION – 2019

- Care About Your Beta? Industry Trends on Rate Sensitivities
- The Risk of Doing Nothing
- Rates are Falling – Is Your ALCO and Board Prepared?

NEW YEAR EDITION – 2019

- Alternative Liquidity Funding Sources
- Liquidity – Part of a Three-Legged Stool
- Current Economic Outlook and Interest Rates

QUARTER 3 – 2018

- CECL Implementation: In-House vs. Outsourcing Considerations?
- New Shoes, New Shoes – Taking the Right Steps When Choosing Outsourced Solutions For Your Credit Union
- Strategic Planning and the Race Against Time

QUARTER 2 – 2018

- The Changing Tides of Non-interest Income
- ALCO – Always Looking Constructively
- Consumer Lending:Leave No Stone Unturned
- Minding the Margin

QUARTER I – 2018

- Member regular share versus CD migration analysis
- Investment Portfolio Considerations in a Rising Interest Rate Environment
- Calculated Shifts in Investment Strategies Can Yield Big Changes to Income and ROA
- Credit Union, Economic, and Interest Rate Outlook

QUARTER IV 2017

- Interest Rates Went Up, Now What?
- Ensuring Data Completeness and Integrity.
- What Do Auto Loan Delinquency and Charge Off Trends Mean for Credit Unions?
- Mary, Mary, Quite Contrary

QUARTER III 2017

- Interest Rate Risk, Too Little or Too Much?
- Should We Raise Our Deposit Rate?
- Segmentation Strategies – Still A Good Tool To Manage Cost Of Funds
- Current Expected Credit Loss (CECL)

QUARTER II 2017

- Interest Rate Risk, Too Little or Too Much?
- Should We Raise Our Deposit Rate?
- Segmentation Strategies – Still A Good Tool To Manage Cost Of Funds
- Current Expected Credit Loss (CECL)

JAN/FEB 2017

- Revisiting Interest Rate Risk: It’s Still a Factor!
- Has Your ALCO Become Complacent?
- Small Credit Unions — The Silent Majority
- CECL Survey Results

NOV/DEC 2016

- Utah First FCU Success in the Face of Intense Competition
- Managing and Controlling Your Sales Culture
- Reevaluating Policy Limits
- Economic and Interest Rate Commentary

SEPT/OCT 2016

- Being a Little Different Pays Off
- Credit Union Deposit Growth Continues
- Will They or Won’t They? The Interest Rate Conundrum

JULY/AUG 2016

- Lemonade From Lemons
- Upcoming Interest Rate Risk Manaement Changes by NCUA
- Are Credit Union Deposits Less Rate Sensitive in 2016 Than 2004?
- Economic Outlook
- Credit Union Lending Performance Survey Results

MAY/JUNE 2016

- The Outlook for Small Credit Unions
- Organizing and Utilizing an Effective ALCO – A road map for success
- For More Impactful Lending At Your Credit Union, Try Digging A Little Deeper

MARCH/APRIL 2016

- A Mortgage for Your Car?
- Well-Written Policies Are Your Friends – Part One
- Economic Outlook

JANUARY/FEBRUARY 2016

- Factoring Key Assumptions
- The Financial Institution of Your Dreams
- Economic Outlook
- Credit Union Investing Basics: Why Liquidity Maters.

NOVEMBER/DECEMBER 2015

- All Eyes are on the Fed
- Just Say No
- Loan Demand Forecasted to Increase
- Economic Outlook

SEPTEMBER/OCTOBER 2015

- Are CD Early Withdrawal Penalties Currently a Deterrent?
- Let’s Talk Numbers
- The Risk of Doing Nothing

JULY/AUGUST 2015

- How Will Non-Maturity Shares (NMS) Behave When Rates Rise?
- Is it Time For Credit Unions to Consider Alternative Funding Sources?
- Economic Update — Credit Unions: Helping the Middle Class in America with a Widening Income Gap
- Client Corner: A Picture is Worth a Thousand Words
- Seminars to Webinars