Mike Philbin


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 Mike Philbin | Feb. 1, 2010

Considering notional versus marginal costs is vital for deposit pricing during a period of sustained low interest rates.

By Mike Philbin | Sept. 28, 2009

The Federal Open Market Committee (FOMC) Statement released last Wednesday had no major surprises. As the Fed recognized improvement in economic conditions, there are two important phrases that could influence the way credit unions manage their investment portfolios.


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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 Mike Philbin | May 11, 2009

The most recent economic forecasts, while not suggesting a robust turnaround for the economy, are forming a consensus: the period of contraction may be ending sometime this summer. In his own words, Bernanke's challenge now is “how to wind down the federal balance sheet and avoid inflation.”


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