Articles by Steve Rick

CU Assets Hit $1 Trillion Mark

But future asset growth will be limited by capital growth.
In March 2012, the credit union movement’s total assets reached $1 trillion for the first time in history.
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Three Years Down, Three More to Go

The Fed projects low short-term interest rates through 2014.
In January, the Federal Reserve announced that projected economic conditions would warrant exceptionally low short-term interest rates “at least through late 2014.”
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Meager Margins

CU net interest margins could drop below 3% for the first time in history.
Don't expect a turnaround until 2013.
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A Sea of Liquidity

Will the Fed institute QE3, extend QE2, or shrink its balance sheet?
Should the Federal Reserve start a new round of quantitative easing (QE3) to ensure the economic recovery, or is it time to let the market determine interest rates and let economic chips fall where they may?
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Embrace New Lending Strategies

How does your CU plan to rebuild its loan portfolio this year?
The flood of new regulations makes this an ideal time to discuss the CU difference with your members.
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Don't Fight the Fed

Only time will tell if QE2 is effective.
The Fed believes QE2 is a necessary condition to support a fragile recovery, and a way to prevent disinflation from becoming deflation.
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Will We Double-Dip?

The two sides of the debate are worth consideration.
There are two sides to the debate. Are you a double-dipper or a recoverian?
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What Happens in Europe Doesn't Stay in Europe

The top 10 effects of the Euro-Zone debt crisis on the U.S. economy.
The latest "100-year" economic crisis to affect the global economy, which lately seems to occur every seven to eight years, is the Euro-Zone debt crisis. The culprit: Too much borrowing and spending during the last decade.
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