Items Tagged with 'model'

ARTICLES

Interest-Rate Risk Redux: FFIEC Offers Clarifications

Interest-rate risk remains a top-of-mind issue among regulators.
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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Payments Trends May Alter CU Business Model

The CU business model is in jeopardy. The culprit is the payment ecosystem.
With a significant portion of noninterest income derived from the payments ecosystem, CUs must be prepared for what’s next in payments.
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Book Reviews

'Comme D'Or'

This book is especially relevant at a time when uncertainty about the difference between banks and credit unions is far too common.
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BAI Retail Delivery

It’s Time to Deconstruct the Branch

The traditional branch model has outlived its usefulness.
Today’s banking experience is less about place and more about touch points. Deconstructing the branch allows financial institutions to match these touch points to customers’ needs.
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Part I

CU Sustainability: Time for a Business Model Makeover?

It’s time to for CUs to re-invent or reposition themselves.
CUs should embrace their seven founding cooperative principles.
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Part II

CU Sustainability: Embrace a Shared-Value Business Model

This model would allow CUs to compete without looking like banks.
New approach would connect CUs to the community in several new, important ways.
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Is the CU Business Model Built to Last?

It has served CUs well for more than 75 years. Is it up to the task for the next 75?
This three-part series examines the CU business model and threats that exist in its current form.
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