What Goes Up Must Come Down

By CYNTHIA R. WALKER - ceo

There has been talk and speculation that the Fed may unwind some of the rate increases they have made over the last two years. One of the biggest factors contributing to interest rate risk is the possibility that in a rising rate environment, funding costs will increase quicker and higher than interest income, causing net interest margins to decrease and earnings to be negatively impacted. 

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Interest Rates and Economic Commentary

By Matthew Jacobsen - VP

The current economic expansion is 10 years old as of June 2019. Following the June Federal Open Market Committee (FOMC), the Federal Reserve indicated they have become a little more concerned about the economic expansion.

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Interest Rate Risk Policy Reviewed?

By CYNTHIA R. WALKER - CEO

Interest Rate Risk (IRR) policies are required by NCUA. Credit unions may choose to have only an ALM policy that covers interest rate risk or choose to have both an ALM and interest rate risk policy.

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