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Articles Tagged with 'rates'

Time to Rethink Mortgages

August 02, 2010
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Bank Economists Predict Moderate, Sustained Recovery

June 30, 2010

The economy is on a moderate but solid recovery path and sustainable private sector job growth has returned this year.

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Excess Liquidity: What To Do?

July 09, 2010
Credit unions should prepare for an extended deposit-rich, low-rate, low-credit-demand environment for the next 12 to 24 months. READ MORE

Credit Cards More Transparent, Yet Problems Remain

July 23, 2010
Most of the practices deemed unfair or deceptive by the Federal Reserve have disappeared from new credit card offers since federal passage of the Credit CARD Act last year, according to a new report by the Pew Health Group's Safe Credit Cards Project. Yet new trends have emerged that could cost cardholders significantly. READ MORE

Competitive Intelligence Provider Aids CUs Decision-Making

September 02, 2010
Informa Research Services will provide credit unions with rate intelligence and mystery shopping services through a new alliance with CUNA Strategic Services. READ MORE

Managing Your Crop of Loans

November 01, 2010

Position your credit union to withstand increased dividend costs when rates rise.

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ALM Helps CUs Tough It Out

June 02, 2011
ALM involves constant planning for possible future scenarios. READ MORE

Living With Narrow Net Interest Margins

February 16, 2012
In the past, most CUs could generate sufficient net interest to cover operating expenses. For most of us, this is no longer true. READ MORE

Artificial Intelligence Is Better Than None

January 24, 2012
Economists predict housing sales will be flat, small-business optimism will remain low, and jobs will be scarcer than a rotary phone. READ MORE

A Balance Sheet Balancing Act

April 11, 2012
It doesn't take a mind reader to know one of the top questions facing CUs: “Will we be able to increase lending this year?” READ MORE
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Look into the Future of Finance

'Tolerate Failure'

Finovate Highlights Industry's Best and Brightest

Jump-Start Your Loan Portfolio: Nine Steps

Are You Selling Products—Or Helping Members Achieve Their Goals?

Recent Discussion

In remembering Warren, the first thing I think of was his smile. He was a gentle, caring man who always thought of others first. I was honored to be a part of the MiOpportinidad project with Affinity Credit Union, Warren and Miriam. His hard work and dedication to that project was inspirational. Warren so deserves this award.

The author really understands the credit union philosophy and I really enjoyed the analogy of his bathroom remodel. The only thing missing was pictures of the finished bathroom! :)

Thank you Phillip for showing the differences between a Big Bank that is only looking to sell you products and a Credit Union that actually looks out for its members needs. Great article!

I love and give a standing ovation to Ron Kase and to other caring people just as much as those who passed away on 2012 like Warren Morrow at Des Moines Iowa. He worked hard for those who are under-served an under-represented, but wasn't mentioned in your magazine. It may be beneficial for the entire world to know about his accomplishments no for his benefit, obviously, but to increase the number of positive and caring people and to add members the CU. Just ask Coopera Consulting at Des Moines Iowa about Warren Morrow's legacy.

That’s right Lisa. The servicing rule would not require a credit union to create its own policies and procedures if all aspects of the servicing are delegated to a sub-servicer. However, remember that the credit union will have to conduct due diligence on the sub-servicer to make sure it is following the minimum requirements for policies and procedures. Unfortunately, even those credit unions that use a third party servicer will need to have a working knowledge of the CFPB’s servicing rule.

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