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Senior Loan Officer Opinion Survey: Insights for Credit Unions

Credit unions need to understand current and expected lending and credit risk trends in order to assess their pricing, terms, and underwriting standards. The Senior Loan Officer Opinion Survey analyzes standards, demand, and terms among 84 banks, identifying a baseline for the banking industry as a whole.

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Managing Liquidity Risk with Accolade’s Support

In January, the NCUA circulated an advisory note on Liquidity Risk Management, highlighting the funding pressures that credit unions are experiencing due to high loan demand and slower share growth. A few days later, the NCUA released their supervisory priorities for 2024 which listed Liquidity Risk right after Credit Risk at the top. With the bank failures of 2023 fresh in our collective memories, many credit unions have spent the last year balancing the operational needs to continue funding loan demand while also seeking to proactively expand emergency liquidity sources. In this memo, we will overview the NCUA’s key areas of focus for effective liquidity risk management along with the resources that Accolade is able to provide to support your risk management program.

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Labor Market Points Towards Recession Despite Consensus Shifting To Soft Landing

The national jobs picture is indicating that the recession risk which has hung over the economy this past year is as present as ever.

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Labor Data Points to Recession

Friday’s soft labor market data indicated that the US economy is consistent with the Fed’s goal of slowing the economy.

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Have We Landed Yet?

A weak first quarter of economic data supported the thesis that a recession was around the corner, but continued strength in the labor market fueled a rebound in consumer spending which has failed to wilt in the face of higher interest rates.

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Managing Liquidity: Exploring Options for Loan Demand and Deposit Run-Off through External Funding

Credit unions are currently facing liquidity challenges as loan demand remains steady and deposits decline. Typically, loan demand remains high during the summer months, while members withdraw some of their deposits to fund vacations. In this article, we will provide an overview of strategic considerations when evaluating liquidity options, given the uncertainty of future interest rates.

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Taking A Closer Look at Mortgage Extension in Credit Union Balance Sheets

The combination of persistently high inflation and the Federal Reserve’s historically quick rate tightening has lifted longer-term yields and slowed mortgage prepayments, lengthening assets at many credit unions.  With 30-year mortgage rates currently near their highest levels in the past twenty years (currently revisiting the range of 7.00%+ levels, initially breached last fall), virtually all mortgages on credit union’s books are exhibiting very low prepayment speeds. 

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Market Reacts to Recent Fed Meeting

While the markets look forward for the direction of the economy, the Fed is still looking backward for hard evidence that inflation has been controlled. If we see additional data that indicates economic growth is reaccelerating, the prospects for a pause in rate hikes will certainly diminish. Until economic data forms a consistent narrative, we can anticipate that higher levels of volatility will persist.

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Auto Lending Trends 2023

Accolade has compiled some data around auto lending trends that may help provide context for setting asset allocation in 2023. While many of the data trends we’re seeing are troubling for auto lenders, we are likely still in the normalization phase from the incredibly low levels of credit issues that we saw through the pandemic period.

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NEV Supervisory Test Update – September 2022

The NCUA Supervisory Test is intended to be used to measure asset sensitivity to rate changes by applying standardized market values to the credit union’s non-maturity shares. In early September the NCUA updated its interest rate risk supervisory framework to address concerns about the test's results.

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