Articles by Mike Schenk

Back on Track?

Expect modest growth and stronger earnings in the months ahead.
CUNA economists recently dusted off their crystal ball. The prognostications probably won’t shock you, but you might be pleasantly surprised.
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 ROA and the Road to Recovery

 While ‘normal’ ratios are still elusive, we’re moving in the right direction.
CU earnings took a in third-quarter 2011 due to a hefty corporate stabilization expense, but the days of declining CU ROA likely are behind us.
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New Insights on NCUA Assessments

Here’s some good news about corporate losses, stabilization assessments, and insurance premiums.
"Consternation" is a good word to describe CUs' reaction to NCUA's corporate stabilization assessments and insurance premiums.
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A Deficiency of Efficiency?

Efficiency ratios don’t necessarily measure what they claim to measure.
Most credit union decision-makers I know are a restless bunch—constantly looking for ways to improve operations and make (and keep) members happy.
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