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Pool determination

One important but often overlooked aspect of an ALLL calculation is what loans should be grouped together to determine your loan loss calculation. This is called “pool determination.”

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Rates Steady as Stimulus Funds Begin to Settle

Rates remained steady through the holidays. Stimulus checks arrive for American consumers as jobless claims rise and a COVID variant arrives in the US. 

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Yields Decline on Lower Volume As Holidays Approach

Rates closed slightly higher this week after trading in a narrow range throughout the week.

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Lower Yields Result from Fiscal Stimulus Stalemate

Yields declined across the curve this week, reversing last week's yield curve steepening and sending the closing yield on the 10-year Treasury below 90 bps..

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Lackluster employment report increases stimulus bets

The yield curve steepened substantially this week, with the 10-year note adding eight bps of yield, returning to the previous peaks hit in November and June...

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Has the CD Market Become Uninvestable?

CDs have long been the bedrock of credit union investment portfolios, particularly for small and medium-sized institution.

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Rate range bound as market awaits monthly payrolls

Rates have remained mostly range bound as risk-on assets have approached record highs over the last week...

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Rates move lower on coronavirus surge concerns

Both Treasury yields and equity markets edged lower during the week, as the exuberance over positive vaccine news turned to concern over the impact the current surge in infections will have on the economy...

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Volatile markets follow elections and vaccine announcement

Interest rate markets were volatile during this holiday-shortened post-election week, with the long end of the curve adding as much as 15 bps before giving back some of those gains...

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Rates Trend Lower on Smaller Potential Stimulus

Treasury yields ended the marginally lower as the week's election results seem likely to result in a smaller level of federal stimulus than was previously anticipated...

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