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The CECL Journey: Steps to Meeting the New Standard

 Not sure where to start with CECL? Accolade has prepared a timeline to help you breakdown the daunting task into easy to follow quarterly milestones.

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Impact of Borrower Defaults on Agency MBS

Default Risk is Transformed into Prepayment Risk for Agency MBS Investors

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Federal Reserve December Meeting

FOMC members announced two important changes to their forward guidance.

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The Hidden Interest Rate Risk in Your Balance Sheet

ALM modeling helps to understand the impacts of different interest rate environments on profitability and capital. While consistent and careful review of these reports is critical to strategy, it is doubly so when interest rate moves are anticipated.

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Agency MBS and CMOs: What are they?

Agency MBS and CMOs are complex securities. Read more to learn about the differences between them and how they can impact your portfolio. 

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Modeling Betas and Expected Maturities

Non-Maturity Deposit Accounts are your primary source of funding, but they do not have contractual maturies or repricing schedules. To appropriately assess the interest rate risk of the balance sheet, assumptions must be made as to the rate sensitivity (betas) and expected maturity (WAL/decay rates) of these funds. 

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Future of floating rates: Libor Endgame

THE U.K. FINANCIAL CONDUCT AUTHORITY HAS CONFIRMED MOST USD LIBOR RATES WILL BE PUBLISHED THROUGH JUNE 30, 2023, PAVING A CLEAR PATH TO ELIMINATE LIBOR RISK FOR MOST CREDIT UNION INVESTMENTS.

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Recent NCUA Derivatives Ruling Is A Game-Changer For Many Credit Unions

The updated rule will allow more credit unions to use this balance sheet management tool while managing interest rate risk and pursuing income strategies.

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CECL: It’s still coming… How to find your CECL solution

Despite COVID, the economic crisis and several attempts to have CECL delayed further, CECL will still be effective for credit unions on Jan. 1, 2023. That seems a long way off, and you might be tempted to ignore CECL for the time being. However, many institutions that are already required to comply have stated they wish they had started the process earlier. Many would argue that the economic crisis and the potential for increased charge offs make CECL more relevant than before.

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Understanding CECL: The basics

As we move one year closer to the implementation of the Financial Accounting Standards Board’s (FASB’s) new CECL rules, which overhaul the way credit unions calculate ALLL (allowance for loan and lease losses), Accolade is here to provide guidance to your credit union.

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