Articles by Steve Rick

Stagnation by Overcapitalization

NCUA’s risk-based capital proposal would inhibit CU growth.
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.
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.
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.
With 2014 right around the corner, CU executives are wondering what’s in store for the economy.
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The End Is Near!

Federal Reserve announces plans to phase out quantitative easing.
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.
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.
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.
The fiscal cliff agreement will have a net positive effect on the average American.
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Dear President Obama…

How to stimulate both short-term economic growth and long-term fiscal responsibility.
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.
In the first half of 2012 credit unions reported improving financial results.
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