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Articles Tagged with 'portfolio'
Responsible Approach Leads to Student Loan Success
February 13, 2014
Members are going someplace for student loans—why not your CU?
Measure Lending Success with Risk-Rating
January 02, 2013
Most CUs use growth as the chief measure of lending success—but that’s not enough.
MBLs Offer ‘Chef Salad’ of Benefits for Lenders, Economy
November 30, 2012
Expanding business lending could make CUs significant contributors to the national economic recovery.
CUs Getting Back in the Card Game
May 14, 2012
Seeking increased control and revenue, many CUs are bringing their card programs back in-house.
Exam Time? Announce Your Presence with Authority
March 30, 2012
Develop a good working relationship with your examiner—but make it clear you have a well-thought-out business plan.
CU Hits a Mortgage Home Run
March 01, 2012
Roughly 90% of those who refinanced through the program were new members with an average loan-to-value of 45% and credit scores in the high 700s.
To Spur Loan Growth, Learn From the Past
January 24, 2012
There’s an upside to the economic down cycle: A wealth of information on bad accounts.
Portfolio Management: Four Keys
October 24, 2011
Sound loan portfolio management has always been essential. But its importance has become particularly evident to credit union boards and management teams during the past several years.
Enhance Your CU’s Investment Portfolio
October 07, 2011
CU leaders should set aside personal investment biases and change their investment styles to build a solid investment portfolio.
Pumping Up Auto Loan Volume
September 30, 2011
Auto loans have long been the bread and butter of credit union lending. But these days the bread is a tad drier and the butter a bit scarcer.
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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