Insights from Catalyst

Welcome to Catalyst's blog, where thought leaders share their insights on news, trends and events. Have a blog idea? Contact the Communications Team

  • Four Primary Drivers Prompting Growth in Subordinated Debt

    April 25, 2022 | Mark DeBree, CFA

    With the first quarter of 2022 in the books, analysts at Catalyst Strategic Solutions have seen a large uptick in credit unions seeking to issue subordinated debt. The specific business case for each issuer has varied, but the core underlying drivers have been consistent.
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  • It is Not Always About Yield

    April 05, 2022 | Al Schiliro

    Bonds can help transform your portfolio, but they are not risk-free. Choosing a lower coupon bond over an above-market coupon may not always be the best strategy. Look into one comparison Al Schiliro, a Catalyst Corporate Senior Investment Officer, conducted and the results may surprise you.
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  • How Can Interest Rate Swaps Be the Answer to Rising Rates?

    March 29, 2022 | Mark DeBree, CFA

    The rise in interest rates has caused the values of mortgage portfolios and long-term investments to decline. Some credit unions and board members have said, “Maybe we should stop or slow down our mortgage lending.” My answer to them is always the same: Wait, let’s talk this through first.
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  • Why Purchasing Premium Bonds Can Make Sense in a Rising Rate Environment

    February 17, 2022 | Jonathan Jackson, CFA, FRM

    Interest rates on investments have risen substantially since the beginning of the year, particularly on maturities of five years or less. The two-year Treasury yield is up more than 70 basis points, and the five-year Treasury is up more than 50 basis points from year-end 2021 levels. What does this mean for your investment portfolio?
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  • Loan Loss Reserving, IRR among NCUA 2022 Supervisory Priorities

    February 07, 2022 | Steven Houle, CFA, FRM

    In January, the National Credit Union Administration (NCUA) outlined their 2022 supervisory priorities, which focus on “areas that pose the highest risk to credit unions, credit union members and the National Credit Union Share Insurance Fund.”
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