‘Twas the night before New Year’s, two-thousand-fifteen, A most interesting year on the ERM scene. Consumers were vulnerable to hackers’ reaches, As merchants were “Targets” of broad data breaches. Emerging technologies came every day: [...]
We hear “Wow!” a lot these days among many of the credit unions we work with, in the context of “Wowing the Member,” or “Wow Member Service.” But here’s a stark truth: you can’[...]
The NCUA is hyper-focused on interest rate risk (IRR). They go so far as to include an “Interest Rate Risk Resources” button on their main webpage that includes, among other items, a video featuring NCUA [...]
The auto lending arena grows more competitive with each passing year. In a time when the pool of prime borrowers has shrunk significantly, dealers are offering 0% financing to capture a large percentage of new [...]
The latest home price numbers (through May, according to S&P/Case-Shiller) looked pretty solid: the benchmark 20-City Composite measure was up 9.3% year-over-year (YOY). All 20 markets posted gains on an unadjusted [...]
Rochdale works closely with boards and management teams across the country on strategic planning, enterprise risk management and regulatory assistance, and as a result I have come to one unmistakable observation – regulatory pressures of today [...]
A number of economists are presenting a pretty rosy outlook for the U.S. economy over the next several quarters. While I don’t disagree with the general positive direction of their forecasts, nor with [...]
We have been hearing quite a few stories about the NCUA’s proposed risk-based capital (RBC) rule. Some of the comments might lead us to believe that the proposed rule will be the demise of [...]
No assessment of a credit union’s risk is complete without a macro outlook on the economy and interest rates. But how can a credit union best develop a forward view of economic factors? As [...]
I don’t know if any of you are like me, but living in a house with children seems to dictate the type of entertainment that I get to enjoy. For any of you that [...]
Remember the collapse of Lehman Brothers back in 2008? When the fourth largest investment bank filed for bankruptcy? There was a tremendous uproar from the public and government about the economic impact of the downfall. [...]
