Blog & Resources
2015: The year of the consumer
After several years of intently watching the Fed for clues as to the economy, the markets and interest rates, 2015 will be the year that we can finally take our eyes off the Fed, and focus on the consumer. Think this year...
Twas the night before New Year’s
‘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...
To “wow” your members, you have to “wow” your employees
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’t “Wow” your members if you don’t first “Wow”...
Interest Rate Risk
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 Chief Economist...
Best Practices in auto lending: Risk vs. Reward
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 auto...