Managing your Balance Sheet in a Rising Rate Environment

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.

 
 

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.

At its core, ALM is about optimizing the balance sheet.  By collecting current balance sheet data, projecting cash flows, calculating the present value of cash flows and calculating net interest income for a variety of scenarios, you can assess strategies that will contribute the most to your credit union’s bottom line. 

To learn more about ALM and other ways to improve your credit union’s profitability, we encourage you to attend our Financial Strategies Conference on Maximizing market place opportunities and balance sheet strategies.  This conference is the first joint effort between Callahan & Associates and Wescorp.  We have put together a wide array of speakers who will focus on increasing productivity and growth and improving balance sheet management.  The topics will include:

  • Hedging Mortgage Loans
  • An economic update from a leading Goldman Sachs Economist
  • Evaluating Complex Investments
  • Efficient Mortgage production in a soft market
  • Growing Member Business Lending for the Long Term

The Financial Strategies Conference will take place from March 8-10th, 2004 at Disney’s beautiful Boardwalk Resort in Buena Vista, Florida.  In addition to the outstanding educational opportunity, you can also take time to enjoy the beautiful surroundings of Walt Disney World, play golf or do a whole host of other activities.

For more information, contact Jon Jeffreys at jjeffreys@creditunions.com

 

 

 

Dec. 8, 2003


Comments

 
 
 
  • This is a commercial, not an article.
    Anonymous