Articles by Mike Schenk

Trendlines

Housing Is Staging a Comeback

CUs have doubled their share of mortgage originations in less than a decade.
Home sales are expected to rise 3% and home prices are expected to rise 2% to 3% in 2013.
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Employment Picture a Bit Fuzzy

Bureau of Labor Statistics sends mixed signals about labor market health.
There is good and bad news on the economy, says CUNA economist Mike Schenk.
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Latest Reports Indicate Slower Recovery

 It might take a bit longer to dig out of the Great Recession’s very deep trough.
While the economic recovery likely will remain on track, CUNA’s economists now expect marginally slower economic growth.
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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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Q2 Financials Inch Higher

CUs can expect only modest improvements in financial and operating results through 2012.
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.
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.
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.
Industry leaders face many challenges. It’s time to make your voices heard!
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