Checking accounts remain a primary funding engine for credit unions, yet many ALM models still rely on assumptions that don’t fully reflect how members behave today. This session draws on anonymized balance and transaction data from over 20 million accounts nationwide to provide a clearer view of real-world DDA performance.
We’ll explore balance persistence, transaction activity, rate sensitivity, and runoff risk – and what these behaviors reveal about funding stability in a changing rate environment. Designed for credit union leaders, this discussion connects behavioral insights to ALM, IRR, liquidity planning, and margin protection – grounded in data.
Learning Outcomes:
- Identify where traditional DDA stability assumptions diverge from actual member behavior
- Assess rate sensitivity and runoff risk using large-scale, real-world data
- Strengthen alignment between DDA strategy, ALM, IRR, and funding decisions with greater confidence
