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

  • Are Your Deposit ALM Assumptions Robust Enough to Respond to the Inflation Buzz?

    January 13, 2022 | Paul Shorkey, CFA, FRM

    With the Federal Reserve signaling to markets that inflation fighting – rather than a focus on full employment – is the imminent mandate, the specter of rising interest rates now looms. High CPI numbers have caused this shift. But is the inflation threat real, given the supply chain effects of the pandemic and long-term rates that remain at levels well below the prior rate cycle?
    Full story

  • Urgent Wire Request by Email? Don't Do It!

    December 17, 2021 | Justin Lutes

    Considering how much can be lost due to Business Email Compromise, it is imperative that credit unions confirm wire requests originating from emails, especially wires from an executive that requests secrecy.
    Full story

  • Checking the Boxes with Subordinated Debt

    December 16, 2021 | Steven Houle, CFA, FRM

    New Year’s Day will represent more than the flip of the calendar this year. After six years of discussion and deliberation, the NCUA’s final subordinated debt rule will take effect January 1, 2022. What do credit unions need to know about this upcoming rule change?
    Full story

  • The Federal Reserve is About to Change its Monetary Policy. Is Your Credit Union Ready?

    December 10, 2021 | Richard Cranfill

    At their November meeting, the Federal Reserve revealed they will begin to taper their asset purchases – a program that started at the onset of the COVID-19 pandemic and should conclude mid-summer of 2022. What does this mean for credit unions?
    Full story

  • The ‘ABCs’ of Hedging Interest Rate Risk with Derivatives

    November 30, 2021 | Mark Wert

    Are you worried about higher interest rates and diminishing capital ratios due to accelerated, deposit-driven asset growth? Have you been adding longer-term assets, like real estate loans or agency mortgage-backed securities, to your balance sheet? Has your interest rate risk profile been increasing? If so, interest rate derivatives (IRDs) may be an effective method for managing interest rate risk (IRR).
    Full story