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Articles by Jeffrey F. Caughron

Balance sheet management

Four Simple Rules for Balance Sheet Management

To use a baseball analogy, hit singles rather than swing for the fences.
July 16, 2012
Jeffrey F. Caughron
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Large balances sitting in Fed funds have amounted to a painful and mistaken bet on rising interest rates.
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Manage interest rate risk

Interest-Rate Risk Redux: FFIEC Offers Clarifications

Interest-rate risk remains a top-of-mind issue among regulators.
May 30, 2012
Jeffrey F. Caughron
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In a low-rate environment such as today’s, CUs should run interest-rate shocks of +300 and +400 basis points.
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June 13 Cover

Credit Union Magazine

• June digital edition

June 2013

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Recent Discussion

We utilized this product for a few months right now, but it doesn't seem to have much value in comparison to our other online tools. Good concept, works well. It just seems that our membership is not interested.

You make a good point, Wally. I should have caught that one. I'll take that out tidbit.

According to the article, "Bankrate.com examined 56 high-yield checking accounts...and found the average annual percentage yield (APY) to be 1.64%—nearly 33% higher than the average interest-bearing checking account (0.05%)." By a show of hands, who thinks a 1.64% APY is only roughly 33% higher than a 0.05% APY? Hmmm...

Steve, As always, the E-Scan provides key strategic insights for credit unions to consider. When it comes to reaching Generation Y (trend number 10), one of the best things credit unions can do is to target mom and dad. Research indicates that most young people start their first "bank" experience where their parents recommend. So to reach Gen. Y, go after mom and dad. Mark

Ed, this is correct: 100% is a 1-to-1 relationship, not 1%, which is a 1 to 100 relationship.

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