Don’t expect new mortgage products to carry the market in the future.
April 13, 2013
High liquidity, low rates, and still-steep unemployment make the competitive landscape as challenging as ever.Read More
Southern state pays the most on deposits, while a Midwestern state is the least generous.
January 23, 2013
The national average for deposit rates is 0.35%.Read More
CUs have doubled their share of mortgage originations in less than a decade.
January 6, 2013
Home sales are expected to rise 3% and home prices are expected to rise 2% to 3% in 2013.Read More
Managing liquidity is a major key to managing CU profitability.
December 10, 2012
Your contingency plan should include prioritizing the assets you could sell to fund liquidity.Read More
The increase, however, is only seasonal and the rate remains very low, experts say.
December 5, 2012
Seasonal factors that affect the auto loan delinquency rate include back to school needs and holiday purchases.Read More
Mortgage balances are growing and delinquency ratios are dropping.
September 1, 2012
In the first half of 2012 credit unions reported improving financial results.Read More
ALM tools help CUs determine which loans best fit their balance sheets.
April 11, 2012
It doesn't take a mind reader to know one of the top questions facing CUs: “Will we be able to increase lending this year?”Read More
How to deal with life in a low-rate environment.
February 16, 2012
In the past, most CUs could generate sufficient net interest to cover operating expenses. For most of us, this is no longer true.Read More
Not even Apple’s ‘Siri’ can put a positive spin on the outlook for 2012.
January 24, 2012
Economists predict housing sales will be flat, small-business optimism will remain low, and jobs will be scarcer than a rotary phone.Read More
Tools keep CUs from sacrificing future margins for higher yields today.
June 2, 2011
ALM involves constant planning for possible future scenarios.Read More