Articles by Mike Schenk

Back on Track?

Expect modest growth and stronger earnings in the months ahead.
Mike Schenk
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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.
Mike Schenk
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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.
Mike Schenk
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"Consternation" is a good word to describe CUs' reaction to NCUA's corporate stabilization assessments and insurance premiums.
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Q2 Financials Inch Higher

CUs can expect only modest improvements in financial and operating results through 2012.
Mike Schenk
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The jobless recovery lumbers on, with incremental shifts in the economic outlook.
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A Deficiency of Efficiency?

Efficiency ratios don’t necessarily measure what they claim to measure.
Mike Schenk
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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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Interest-Rate Risk Scenarios

It’s vitally important to measure, monitor, and control all risk.
Mike Schenk
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Fed-funds futures trading shows signs of short-term interest-rate increases beginning later in 2011.
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CU Advocacy: Four Issues Take Center Stage

Taxation, interchange, capital reform, and business lending are top priorities.
Mike Schenk
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Industry leaders face many challenges. It’s time to make your voices heard!
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Housing's Shaky Foundation

One-quarter of American home borrowers owe more on their homes than the homes are worth.
Mike Schenk
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Looking for the bottom in the housing market? Don’t hold your breath.
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What Could Have Been

A recent report shows how government intervention helped avert 'Great Depression 2.0.'
Mike Schenk
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Has government action hurt or helped the economic recovery?
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New Research Substantiates The CU Difference

CUs have a strong and visible presence in economically challenged areas.
Mike Schenk
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For decades, bankers have complained that credit unions don’t adequately serve consumers of modest means. But nearly all data prove otherwise.
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