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Fundamentals of Banking: How Higher Rates Impact Depositories

Despite the current conversations regarding rising interest rates and depositories’ bond portfolios, now is the time to look at long-term, sound asset liability management....

Are Derivatives in Your Credit Union’s Toolbox?

New proposed derivatives rule may offer an opportunity for federally chartered credit unions to gain greater flexibility in managing interest rate risk and making...

Focusing on Financial Inclusion

How Financial Institutions Can Better Support Financial Inclusion and Wellness The pandemic has underscored many issues and gaps within the financial services industry. For banks...

Don’t Fight the Fed – Why Now is a Good Time to Sell Mortgages

Selling GSE-eligible mortgages is looking considerably more profitable than it has in years. Lender profitability has skyrocketed according to the Mortgage Bankers Association (MBA)...

WHY NOW IS THE TIME TO DEVELOP A SOUND INVESTMENT FRAMEWORK

Additional stimulus payments, traditional seasonal liquidity trends, lower loan demand and the low-rate environment could challenge financial institutions even further to deploy excess cash...

How to Use Mortgage Servicing Rights to Your Depository’s Advantage

Financial institutions with competitive advantages in servicing mortgages can generate substantial returns on capital by retaining the mortgage servicing rights(MSR) when mortgages are sold....

Reinvestment Risk Rears Its Ugly Head for Ladder Portfolios

Reinvestment risk is rearing its ugly head for investment managers everywhere, but the challenges are especially striking for depositories that have a history of...

Your Credit Union Will Get Through This -You Can Make a Difference Along the Way

The world is grappling with an issue of enormous scale and I find myself cherishing my family, work family, friends, and amazing clients. Our...

Choosing Survival or Growth during the Current Market Disruption: Management Lessons Learned from 3 Previous Crises

Choosing Survival or Growth during the Current Market Disruption: Management Lessons Learned from 3 Previous Crises The Coronavirus pandemic and its economic impact threatens credit unions...