Finance

Empyrean Solutions – Transforming the Office of the CFO

Empyrean Solutions is a leading provider of asset liability management, risk, and performance management solutions for banks and credit unions. Empyrean’s software allows financial institutions of all sizes to take control of their balance sheet management, scenario planning, and risk & performance analysis in a single integrated software platform. The company offers a host of

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ALM Budgeting & Planning

Empyrean Solutions – Transforming the Office of the CFO

Empyrean Solutions is a leading provider of asset liability management, risk, and performance management solutions for banks and credit unions. Empyrean’s software allows financial institutions ...
Industry Insights

Interest Margins Are Up. ROA Is Not.

Rising interest rates helped credit unions boost margins in 2023; however, increased provisions ate into ROA.
Industry Insights

Looking For Deeper Insights? Consider The Median.

The performance of the industry’s largest credit unions can skew averages; considering median data in performance analysis uncovers different insights.
Industry Insights

Americans Are Less Financially Confident Than 5 Years Ago

Despite building savings during the pandemic, less than half of Americans feel comfortable with their level of emergency savings today. Even that comfort is not ...
Industry Insights

Share Growth Changes Reflect Member Appetite For Higher Yields

Members are moving their shares from liquid deposits to certificates in an effort to earn more from their money.
Industry Insights

High Rates + Costly Assets = Slow Lending

Following years of elevated output, lending returned to historic norms in 2023.
Commentary

Markets Pare Back Pivot Expectations

Look beyond the headlines to discover the driving forces behind market trends and consider how they impact a credit union’s investment portfolio.
Features

Artificial Intelligence, Genuine Member Experience

Use cases of AI in financial services are still limited, but UFCU is showing how new technology can alleviate pain points and reduce friction.
Partner Perspectives

Risky Business: The Hidden Dangers Of Abandoning CPI

It has been shown repeatedly that the number of uninsured borrowers increases and losses grow larger when institutions move from CPI to a blanket policy.
Graph Of The Week

22% Of Americans Have No Emergency Savings

The average share balance per credit union member dropped more than $200 across 2023 as high inflation weakened savings.

Empyrean Solutions – Transforming the Office of the CFO

Empyrean Solutions is a leading provider of asset liability management, risk, and performance management solutions for banks and credit unions. Empyrean’s software allows financial institutions of all sizes to take control of their balance sheet management, scenario planning, and risk & performance analysis in a single integrated software platform. The company offers a host of

Read More »
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