Financial Performance

Asset Liability Management (ALM)

By Rebecca Wessler | Feb. 6, 2017

Five can't-miss data points featured this week on CreditUnions.com.

By | Feb. 6, 2017

Share balances in third quarter increased at the fastest rate since fourth quarter 2009, but the loan-to-share ratio still grew.

By Marc Rapport | Feb. 6, 2017

The Idaho credit union uses marketing, deposit, lending, and ALM strategies to increase member value.

By Erik Payne | Feb. 6, 2017

One Maryland credit union arms decision-makers with comprehensive data and encourages leaders to think beyond the face value of third-party reports.

By Greg Gonsalves | Feb. 6, 2017

If credit unions continue on their current path, will they be able to fund future loans solely through share growth?

By Jay Johnson | Feb. 6, 2017

Considerations to help any credit union assess its ALM policies, procedures, and management practices.

By Sam Taft | Feb. 1, 2016

In today’s changing and often-uncertain economic environment, balance sheet management is top-of-mind with credit union executives.

Loan growth drives down balances while industry assets overall remain steady.

By Callahan & Associates | Dec. 30, 2015

Credit card programs are obviously different from all other loan products: they provide open and available credit lines for many years, to be drawn at the cardholder’s discretion, while being completely unsecured.

More plausible interest rate scenarios would better serve the industry in planning for rising rates.

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By Kevin Heal | May 19, 2015

This quarterly snapshot from TRUST Mutual Funds shows total investments at credit unions increased $14 billion since year-end 2014.

By Chris Howard | April 13, 2015

Reserves are different from capital, and with RBC2, credit union members pay the price.

Partner Perspective
The Price Is Right

Properly pricing and managing the loan portfolio is a major driver of success for a credit union.

By Callahan & Associates, Inc. | March 9, 2015

Learn how to use the Risk-Based Capital Forecasting Tool in Peer-to-Peer.

By Janet Lee | March 9, 2015

News reports of an impending increase in the interest rate environment are widespread. These three graphs show whether credit unions are positioned to respond.

By Rebecca Wessler | March 9, 2015

This week, CreditUnions.com explores how today’s cooperative financial institution balances risk, perks, and member benefits.

By Kevin Heal | March 9, 2015

Properly pricing and managing the loan portfolio is a major driver of success for a credit union.

By Sharon Simpson | Feb. 24, 2015

Patelco Credit Union takes a holistic view when it comes to evaluating investment decisions.

By Callahan & Associates, Inc. | Jan. 27, 2015

Callahan chairman Chip Filson argues against the revised risk-based capital proposal.

By Callahan & Associates, Inc. | Jan. 27, 2015

Callahan chairman Chip Filson and senior analyst Andrew Bolton explore the changes to NCUA's proposed risk-based capital rule.

By Chip Filson | Jan. 5, 2015

First quarter is an ideal time to pay slightly above market to lock in long-term CDs and reactivate interest in money market offerings.

By Callahan & Associates, Inc. | Dec. 22, 2014

Callahan chairman Chip Filson and analyst Janet Lee analyze total current price risk and short-term liquidity as a percentage of shares.

By Callahan & Associates, Inc. | Dec. 8, 2014

Callahan & Associates chairman Chip Filson and industry analyst Janet Lee discuss how to examine a credit union's ALM trends and identify how those trends compare to peers.

By Callahan & Associates | Sept. 5, 2014

A monthly collection of Callahan content that, together, addresses a single topic from a variety of perspectives.

By Chip Filson | Sept. 2, 2014

The ability to manage interest rate risk is another advantage of the cooperative model.

By Chip Filson | Feb. 5, 2014

If the tables were turned, how would an NCUA examiner respond to NCUA's own management of NCUSIF funds?

By Chip Filson | July 17, 2013

The June 30, 2013, update of the U.S. Central Federal Credit Union securities shows that of the total $3.5 billion other-than-temporary-impairment (OTTI) future loss estimates, more than $2.3 billion is still unused.

By Andrew Bolton | July 15, 2013

Credit unions are on pace to break lending records set in 2012, but they need to recognize the reward and risk inherent in strong growth.

By Sharon Simpson | July 15, 2013

Star One Credit Union hedges its interest rate risk by borrowing money at a fixed rate. What can other credit unions learn from this strategy?

By Mike Philbin | Feb. 5, 2013

Some credit unions are finding that contrary to common experience, 15-year mortgages are lasting longer than 30s and, in certain markets, 30-year mortgages are the safer bet.

By Greg Gibson | Feb. 4, 2013

Northwest FCU shares the strategy behind its recent repositioning.

By Jay Johnson | Feb. 4, 2013

Callahan data shows the top quartile of credit unions by average investment return generate an average return of 1.92%, over six times the 31 basis point average return generated by the bottom quartile.

By Andrew Bolton | Oct. 29, 2012

Credit unions, with a 122% coverage ratio, remain well reserved for asset quality problems.

As investment managers tackle the challenging low-rate environment, viable options for future investment needs should not be overlooked.

By Aaron Pugh | March 26, 2012

NCUA advises of its top priorities, but warns recommendations may extend beyond written regulations.

By Aaron Pugh | April 1, 2011

Environmental and societal changes necessitate a strategic approach to growth. As credit unions expand profitability analysis, how do they toe the line between fiscal stability and duty to members?

By Rebecca Wessler | Jan. 3, 2011

Credit unions use profitability management to enhance membership value.

By Callahan & Associates | Jan. 1, 2011

California CUSO CURoots sprouted from diligence and cooperation to reduce back-office expenses for credit unions.

By Callahan & Associates | Jan. 1, 2011

As 2010 comes to a close, economic releases are revealing surprising strength in the U.S. economy.

By Rebecca Wessler | July 20, 2010

A message from the banking sector provides a ray of light contrary to gloom and doom forecasting.

By Chris Tissue | April 1, 2010

This edition is brought to you straight from the corporate communities that use this holiday to have a little fun and show some personality. And from the letters C and U.

By ALM First Financial Advisors | Sept. 21, 2009

Given the recession and today’s stringent regulatory environment, it’s no wonder credit unions are merging. But new accounting rules have introduced new complexities for merging credit unions.

By Mike Philbin | Sept. 7, 2009

What are the key assumptions underlying Net Economic Value (NEV) and Net Interest Income (NII)? How do changes in member behavior affect your set assumptions?

By ALM First Financial Advisors | Aug. 3, 2009

When it comes to surplus liquidity, these are unprecedented times for credit unions.

By Callahan & Associates | Oct. 1, 2008

Many credit unions are not looking at loan protfolios heavily populated with fixed-rate loans originated during a (fairly lengthy) period of historically low-term interest rates.

By Callahan & Associates | Oct. 1, 2008

Recent market turmoil has had an influence pricing various share accounts, modeling non-maturity share accounts, and whether the LIBOR curve is appropriate for pricing seets and liabilities.

By Callahan & Associates | July 1, 2008

Having a strategic plan for the upcoming financial scenarios is advantageous for credit unions who have the resources to weather the storm.

By ALM First Financial Advisors | June 30, 2008

To reduce the interest-rate risk inherent in mortgage lending, be sure to evaluate the efficiencies of selling loans, leveraging or hedging.

By US Transnet | May 19, 2008

Breaking down the old credit union investment model and shedding light on a better way to view your portfolio.

By Ryan Sherwin | March 10, 2008

As a turbulent economy provides many worries for most financial institutions, credit unions have a unique opportunity.

By Jon Jeffreys | Feb. 25, 2008

In 2007, loans led the way in the credit union industry. What does this mean for balance sheet management?

By Nick Connors | Sept. 17, 2007

Credit Unions have a unique position as a balance sheet lender, this fact presents an opportunity to help members as the mortgage market struggles.

By Jon Jeffreys | Sept. 17, 2007

For many credit unions share inflows over the past 18-24 months have come from the increased member demand for share certificates...

By Dwight Johnston | June 18, 2007

To stay genuinely competitive, we need to continue educating ourselves.

By Strunk & Associates, L.P. | May 14, 2007

One take on the forces behind core deposits – and some ideas for reversing the trend.

Partner Perspective
The Case for Callables

By | Feb. 12, 2007

Although recent indicators point toward a stronger economy than anticipated, positioning your portfolio for an interest rate decline in 2007 still makes sense.

By Debra Sondak | Aug. 14, 2006

Mortgage-backed securities can offer juicy yields, but require careful attention and selection to balance return and risk.

By Jon Jeffreys | Sept. 19, 2005

The credit union business model is not static; neither is the balance sheet.  As the balance sheet changes credit unions may need to assess the functionality of their ALM solution. 

By Mike Philbin | Aug. 29, 2005

Assessing Asset/Liability Management software can be difficult. Using a systematic approach to evaluating alternatives can streamline the process and help make the right selection.

By Emily M Hollis, CFA | Dec. 6, 2004

Emily Hollis, ALM expert, explains asset/liability management (ALM) risk measurement tables and where you can find them.

By Mike Philbin | Nov. 29, 2004

A re-examination of existing asset/liability management (ALM) and investment guidelines can help credit unions adapt their current policies to reflect past and project future performance.

By Mike Philbin | Oct. 11, 2004

The challenge of creating an asset/liability management report is developing a format which can accurately and clearly communicate results.

By Tom Geggel | July 19, 2004

Amid a rising rate environment, now might be a good time for credit unions to take a step back and re-evaluate their ALM models, which are only as valuable as the accuracy of the underlying assumptions.

By Joe James | Dec. 8, 2003

Credit unions experienced an influx of mortgage loans throughout the first part of this year thanks in part to record-low rates.  With all of these loans on their books, many credit unions have been looking for ways to mitigate risk and improve returns in case interest rates begin to rise.  For this, Asset/Liability Management (ALM) becomes fundamental.