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Articles Tagged with 'capital'
No Simple Answer to ‘Complex’ Question
July 01, 2014
As CUs grow, categorizing institutions based on operational sophistication has increasingly come into focus.
Hampel: Economy, Loan Growth ‘Pretty Decent’
May 01, 2014
CU loan growth is picking up, says CUNA’s chief economist.
Welcome to CUNA’s 2014 Governmental Affairs Conference
February 13, 2014
‘The movement owes its momentum to the combined voices of leaders like you.’
NCUA Video Addresses Liquidity and Contingency Funding Plans
November 19, 2013
Some CUs must have access to NCUA’s Central Liquidity Facility, the Fed’s discount window, or both.
Capital is King
June 17, 2013
The Capital Access for Small Businesses and Jobs Act would strengthen CUs and be consistent with our not-for-profit, cooperative nature.
Supplemental Capital Would Benefit CUs, Local Communities
April 01, 2013
Deposits keep flowing into CUs due to consumers’ flight to safety.
CUNA: Banks’ Attack On CU Bill Misfires
March 12, 2013
Supplemental capital bill for CUs is very balanced.
ERM: A Measure of Certainty in Uncertain Times
March 06, 2013
Four pieces of armor will protect CUs: governance independence, analytics, board involvement, and reporting frequency.
Corporate CU Assessments Handcuff Growth, Prompt Cutbacks
March 03, 2013
CU executives hope NCUA Corporate Stabilization Fund assessments will help keep the CU movement healthy in the long term.
CUNA Redoubles Efforts to Reduce Regulatory Burden
February 28, 2013
Excessive regulations sap CUs’ ability to be innovative.
Credit Union Magazine
July 2014 digital edition
Slide Show: The Daily Duties of a Home-Based CU Manager
Regulators Focus on Interest-Rate Risk
Where Does it All Go?
A Social Media ROI Success Story
Happy 25th Birthday, Filene!
David, good point about the "recovering comfortably" comment. That was an editorial addition--which I'll remove.
Many good points but too rosy? Will the "Federal Reserve raise short-term interest rates 1% per year for the next three years, starting in 2015—“probably next year at this time” ? I have heard from other economist that the US government will go bankrupt if that happens due to the QE the fed has done for several years. Also it seems an exaggeration to say “We survived a heart attack,now the economy is recovering comfortably." Comfortably recovering is too ignore the economic stress that many members still live with daily that will eventually affect many credit unions.
Karan, Great article and insight. I would also recommend that you start getting those credit cards into the hands of the youth BEFORE they are in college. One of the best ways to reach this young generation is through mom and dad. Before the student goes to college, get them started with a credit card (even if mom and dad are joint on it). It's never too early to start marketing credit cards. Mark
I would respectfully disagree that transactional data is a good place to start. In my opinion, relationship data is a much better starting point. Transactional data tends to require more "mining" of thousands/millions of transactions to identify opportunities or threats. Relationship data, however, involves identifying and profiling your high-value relationships (those profitable relationships with multiple products/services, for example) and leveraging that information to attract/cross-sell similar members. Generally involves a bit less effort and quite a bit higher return.
Congratulations on a fine article. Perhaps the best advise is unsaid but exemplified throughout the article - namely avoiding the use of the term "Financial Literacy." The term is insulting and counterproductive because it implies that those who take the training are "Illiterate."
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