Insights from Catalyst

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?

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.

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?

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?

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).