Articles by Steve Rick

Stagnation by Overcapitalization

NCUA’s risk-based capital proposal would inhibit CU growth.
August 1, 2014
NCUA’s risk-based capital proposal would inhibit CU growth.
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What’s the Future of Interest Rates?

Expect a gradual return to interest-rate normalization.
June 20, 2014
The first Fed funds rate increase should take place in the middle of 2015.
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Solving the Fannie and Freddie Puzzle

The nation’s $10 trillion housing finance system needs reform, but there’s little agreement about what reform should look like.
March 5, 2014
Reform could have a significant impact on credit union mortgage lending operations and earnings.
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CUs Can Expect Economic Tailwinds

The economy is gaining traction in several sectors, according to CUNA's senior economist.
December 5, 2013
With 2014 right around the corner, CU executives are wondering what’s in store for the economy.
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Trendlines

The End Is Near!

Federal Reserve announces plans to phase out quantitative easing.
August 1, 2013
The Fed has used this tool to purchase $40 billion in mortgagebacked securities and $45 billion in longer-term Treasury securities each month since December 2012.
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The Return of the Borrower

Less household debt and the improving labor market bode well for CU lending.
June 7, 2013
Expect CU loan balances grow 5% to 6% in 2013—and even faster in 2014.
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Will the Fourth Time Be a Charm?

The Fed’s QE-4 plan will keep pressure on CUs’ net-interest margins.
February 11, 2013
The Fed is saying it’s willing to accept an inflation rate that is higher than its target of 2%.
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Fiscal Cliff Deal Should Spur Optimism

CUNA economist says the deal will boost household and business confidence.
January 12, 2013
The fiscal cliff agreement will have a net positive effect on the average American.
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Trendlines

Dear President Obama…

How to stimulate both short-term economic growth and long-term fiscal responsibility.
December 10, 2012
These suggestions aren’t politically palatable, but at least you have options.
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 CU Financials Show Improvement

Mortgage balances are growing and delinquency ratios are dropping.
September 1, 2012
In the first half of 2012 credit unions reported improving financial results.
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