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Page 2: Showing 8 out of 27 results
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Are Asset Quality Issues Out Front or in the Rearview?
As the Federal Reserve has pivoted to rate cuts, there has been some deterioration in asset quality. But will healthy loan-loss reserves at banks and credit unions be sufficient to absorb the issues or are earnings at risk?
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Balancing Liquidity and Interest-Rate Risks in a Fed Cutting Cycle
With short-term interest rates now moving lower, there are several advance solutions that can provide flexibility for members to manage constantly shifting liquidity needs and interest-rate risks.
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Margin Enhancement with Risk Mitigation
Restructuring advances can lower interest expense, reduce interest-rate risk, and enhance liquidity metrics.
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Funding Amidst Rate Cut Uncertainty
The SOFR Flipper Advance offers the potential for interest cost savings as market expectations for the timing and magnitude of potential rate cuts change.
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Combatting Margin Pressure
The persisting ‘higher for longer’ interest-rate environment presents challenges, but the advance funding strategies explained in this article may help alleviate the impact on earnings and align with the shifting interest-rate risk profile.
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Strategies for a Pivot to Lower Rates
Amid signals that the interest-rate cycle may shift, certain funding solutions can present value in managing liquidity, earnings, and interest-rate risk.
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Interest-Rate Risk Mitigation with Flexibility
As the prospect of rates being “higher for longer” continues to pick up steam, the Member-Option Advance can be a useful tool to hedge interest-rate risk while maintaining the flexibility to adapt if necessary.
