The latest from James Lutter

Jan 26, 2017 - by James Lutter, PMA Funding

2016: A brief recap and the effect on credit unions

The 2016 year was truly one for the record books. It began with the first Fed increase in over a decade and was swept out in the same fashion. Meanwhile, ...

Oct 26, 2016 - by James Lutter, PMA Funding

A rising rate lifts all rates – or does it?

We’ve all heard the phrase “A rising tide lifts all boats”. However, when the Federal Reserve increases short-term interest rates, does it automatically translate into higher short-term rates for ...

Sep 7, 2016 - by James Lutter, PMA Funding

Know your funding sources

The old adage states, “easy come, easy go”. Since 2008, financial institutions have easily grown and maintained stable deposit balances. Due to risk aversion among the general public, deposits across ...

Jul 5, 2016 - by James Lutter, PMA Funding

Providing deposit stability in an uncertain rate environment

Entering January 2016, there was a sense that the Federal Reserve (“Fed”) was beginning the process of returning interest rates to ‘normalcy’. Bankers began coordinating how to handle a rising ...

May 18, 2016 - by James Lutter, PMA Funding

Prepare to expect unexpected interest rates

Words like “typically”, “historically”, “in the past” and “previously” are used to describe how prior experiences can be used to understand the possibilities of future outcomes. Historical analysis is often ...