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Credit Union ALM Trends and Economic/Rate Outlook for 2015 Now Available
Friday, May 15, 2015 5:55 AM

The next segment of the ALM educational audio/visual CD series presented by Dr. Charles R. Idol titled "Credit Union ALM Trends and Economic/Rate Outlook for 2015" (April 2015) is now available from ALM Resources and Cornerstone Credit Union League.

In this 90-minute ALM educational CD, Dr. Idol discusses four significant credit union ALM-related topics for 2015 of interest to credit union managements, boards, and asset/liability management committees (ALCOs).

  1. Nationwide federally-insured credit union (FICU) balance sheet, liquidity, earnings, and loan quality trends in the six years subsequent to the 2008-09 recession.
  2. The likelihood of continued moderate economic growth and an improving labor market in 2015.
  3. Factors affecting the timing of the Federal Reserve's anticipated tighter monetary policy and rising interest rates in the second half of this year.
  4. ALM strategies to improve spreads and earnings in a higher interest rate environment.

The CD has 16 topical segments, each running from three to 10 minutes, that can be viewed sequentially in a single 90-minute viewing or selectively from an on-screen outline that allows pausing for discussions and questions.

Topical Segments on the April 2015 CD

  • FICU Loan Mix Rose to 63.5 percent in 2014 as Liquidity Fell
  • Fastest Loan Growth in Nine Years with Total Auto Loans up 15.8 percent
  • Total Shares Grew Only 4% Last Year
  • FICU Investments Have Fallen Almost 6 percent Over the Past Two Years
  • Higher Investment Yield, Spread, Net ROA and Equity Ratio in 2014
  • Loan Quality is Good and About the Same as in June 2014
  • December 2014 FICU Peer Statistics: Notable Differences in Liquidity and Earnings
  • The Economy Experienced Solid Job Growth in 2014
  • Economic Expectations for 2015: Positive Factors, Negative Factors, and Bottom Line
  • Money Market Trends: Low Rates with Yield Curve Compression since March 2014
  • Rate Outlook for 2015: When Rates Will Likely Start Rising This Year and How Fast
  • Expected FICU Loan/Share Growth in 2015: Implications for Liquidity Planning
  • ALM Strategies for 2015: Controlling Asset Durations and Extending Liability Durations
  • Dividend Guidelines: Rationale for Pricing Share Certificates
  • Loan Pricing Guidelines: Managing Loan Net Spreads to Maintain ROA Targets
  • Pricing Credit Spreads

The April CD is part of a two-CD series designed to offer credit union management teams, board members, and ALCO members' ongoing ALM education throughout the year in a convenient/cost-effective manner.

The CDs can be viewed individually or in group gatherings, such as board educational sessions, ALCO meetings, or strategic planning venues. This semiannual CD series is a collaborative joint production of Dr. Charles Idol's ALM Consulting & Research, Cornerstone Credit Union League ALM Resources, and iCap Leverage, Inc.

A second CD will be provided in October that will look forward into 2016.

For more information, please contact Vicki Larkin, financial analyst in ALM Resources at, or 800-442-5762, ext. 6497. To view a sample of the CD, visit our website at