CDs Maturing in Q2: Impact on Interest Rate Risk Management
By: Michael Gerbick, President of Young & Associates Interest rate risk (IRR) is the exposure of a bank or credit union’s current or future earnings and capital to adverse changes...
By: Michael Gerbick, President of Young & Associates Interest rate risk (IRR) is the exposure of a bank or credit union’s current or future earnings and capital to adverse changes...
Due to the challenges of finding qualified employees to fill internal IT positions and the increased complexity of technology solutions, many community financial institutions have either outsourced the management of...
In the ever-changing landscape of financial services, cybersecurity emerges as a paramount concern for credit unions and their members. As regulatory scrutiny on information security intensifies each year, it’s essential...
By: Donald Stimpert, Manager of Secondary Market QC Services Fannie Mae’s recent revised forecast for 2024 and beyond unveils a nuanced projection that holds significance for community banks and credit...
By: Mike Detrow, CISSP The Bankers Electronic Crimes Taskforce, state bank regulators, and the United States Secret Service first released the Ransomware Self-Assessment Tool (R-SAT) in October 2020 as a...
By: Linda Fisher, Senior Consultant There is always a certain level of risk in lending, but construction loans are of even greater risk. The ultimate value of the collateral is...
By: William J. Showalter, CRCM, CRP There are changes that arrived with the new year of 2024 to Home Mortgage Disclosure Act (HMDA) compliance for banks and thrifts in many...
By: Edward Pugh, CAMS, CAMs-Audit, AAP, CFE Financial Institutions are increasingly relying on third parties for a broad range of products and services. Utilizing third parties can offer organizations significant...
In an era dominated by technology, the financial sector faces a growing menace in the form of cyberattacks. Credit unions, along with their members’ sensitive data, have become prime targets...
By: Jerry Sutherin, President & CEO of Young & Associates The landscape of commercial real estate (CRE) lending is shifting due to current economic events, presenting both challenges and opportunities...