Insights from Catalyst

Welcome to Catalyst Strategic Solution's blog - Insights from Catalyst. Here, read what thought leaders have to say about credit union news, trends and industry happenings. Have a blog idea, want to contribute or need to know more? Contact the Communications Team

  • Non-Maturity Deposit Behavior: Why it’s Important to Dig Deeper

    August 10, 2020 | Cassandra Kowieski

    Non-maturity deposits are a critical component of every credit union. One of the key benefits of these deposits is that they offer a fairly stable, low-cost source of funding, while also helping offset asset risk. But, just how much risk can be offset, and how stable are these funds?
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  • Reducing Overnight Cash to Enhance Earnings

    July 27, 2020 | Casey Peterson

    Through the second quarter of 2020, credit unions experienced an increase in liquidity from slower lending and increased shares. Additionally, credit unions are now experiencing a lower net interest margin. One of the culprits is the mere 0.08 percent they’re earning on overnight cash balances, compared to almost 1.50 percent at the end of 2019.
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  • Calculating the True Cost of Your Deposits

    July 20, 2020 | Andrew Gelsomini

    Although we are living in unprecedented times, our economic environment does feel remotely familiar. It was during the Great Recession that we last experienced such historically low rates, and even though 10 years have passed, many of us still remember it all too well.
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  • Managing the Risk of Faster Prepayments in Amortizing MBS

    July 06, 2020 | Jonathan Jackson

    Credit union balance sheets look much different than they did at the beginning of 2020. As a result of government stimulus and the economy entering recession, deposit growth exceeded expectations through the first half of the year. High deposit growth combined with low loan demand resulted in excess liquidity on most credit unions’ balance sheets.
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  • Stress Test your Plan – Demonstrate your Preparedness to your Board and the NCUA

    June 29, 2020 | Steve Waddell

    Budget time will be here again soon, which means you have an opportunity to demonstrate your credit union’s preparedness for potential stress events and scenarios.
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