TCT Risk Solutions is excited to announce the launch of their real time ALM Simulation tool.

Click Watch Now below to see a demonstration of the tool.

For more information contact us at (208) 939-8366

Do You Know Your Credit Union's Vital Signs?

Are you chasing the wrong problems?

September 06 • 2017 

11 am PT • 12 pm MT • 1 pm CT • 2 pm ET

You and the key people in your credit union are invited to join TCT on September 6, 2017 at 2 p.m. (ET) and learn about cutting-edge strategies to meet regulatory expectations and achieve growth and profitability objectives.

Highlights:

Dividend Payout Ratio: Connections To Deposit Pricing

Wednesday, May 10

11 am PT • 12 pm MT • 1 pm CT • 2 pm ET

 

Far too many credit unions set their rates and prices according to their competitors. Pricing any service according to the competition will almost always get any credit union into trouble. If you are setting your deposit rates according to your competitors – you are not managing your interest margin effectively.

 

Takeaways:

Will Rising Rates Throw Your Credit Union Into the Red?

If your credit union is not using the right management tools, rising interest rates could lead to unprofitable operations.

Managers and boards are now facing the dilemma of rising rates

 

Credit unions can look to TCT Risk Solutions, LLC (TCT) for the management tools and policy assistance needed to effectively manage the risk in their loan portfolios.

Most credit unions have been pretty successful increasing their loan portfolios in the past five years. This growth could be positive (or negative) depending on how the risks in current loan portfolios are managed.

Credit risk in existing loan portfolios needs to be managed through two primary means – in policy and in practice.

Managing Risk through Policy

By Dennis Child, Research Specialist, TCT Risk Solutions, LLC

For the past nine years, credit unions have enjoyed loan growth by extending loan payment terms and loosening borrower standards. Larger credit unions especially have been seeing growth in their loan portfolios. Much of the new loan activity in the past several years has been in the “less-than-prime” market. This could be good news providing loans are priced appropriately and managed carefully – especially when it comes to less-than-prime loans.

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