CECL: A Half-Baked Cake
One year after implementation, there’s still work to be done when it comes to new rules around expected credit losses.
Risk/Compliance
Our Risk page is the top spot to learn about business continuity, compliance, enterprise risk management, fraud, and vendor management.
Top Risk/Compliance Articles
Everyone’s A Risk Manager At Logix FCU
For the past decade, the credit union’s head risk leader has been evangelizing the idea that everyone must be a risk manager to ensure the
5 Lessons For Credit Unions From Silicon Valley Bank’s Collapse
The crisis is still unfolding, but the latest high-profile bank failure has plenty of takeaways for credit unions around asset management, net worth, communication, and
How To Apply The 7 Cooperative Principles To Regulatory Design
April 23, 2015
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To promote the continuous evolution of the credit union charter and its multifaceted contributions to the country’s economic progress, a new cooperative regulatory structure is needed.
RBC2: You Might Not Like What Comes Next
April 23, 2015
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Legal battle and years of uncertainty could follow a final rule like this.
NCUA Is Confused About The State Of The TCCUSF
April 21, 2015
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Data from different sources documents discrepant views about the Temporary Corporate Credit Union Stabilization Fund.
RBC2: First, Do No Harm
April 20, 2015
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This “fundamentally flawed” policy actually creates a capital problem.
Is RBC2 The NCUA’s Duty?
April 19, 2015
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Rick Metsger says the NCUA has a duty to protect the insurance fund against “material risks.”
RBC2: NCUA Doesn’t Know What The Future Holds (And Neither Do I)
April 17, 2015
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Like generals, regulators are always fighting the last war.
RBC2: Questionable Claims
April 16, 2015
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Much of the logic surrounding RBC2 is absurd, especially the idea that it offers any more protection than effective examination.
RBC2: Member-Owners Get Burned Both Ways
April 13, 2015
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Reserves are different from capital, and with RBC2, credit union members pay the price.
Gaining Influence In A Metropolitan Area
April 10, 2015
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University Federal Credit Union is a mover and shaker in Central Texas.
RBC2: What Capital Problem?
April 7, 2015
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The argument that existing capital regulations are ineffective just doesn’t hold water.
How To Apply The 7 Cooperative Principles To Regulatory Design
To promote the continuous evolution of the credit union charter and its multifaceted contributions to the country’s economic progress, a new cooperative regulatory structure is ...
NCUA Is Confused About The State Of The TCCUSF
Data from different sources documents discrepant views about the Temporary Corporate Credit Union Stabilization Fund.
RBC2: First, Do No Harm
This "fundamentally flawed" policy actually creates a capital problem.
Is RBC2 The NCUA’s Duty?
Rick Metsger says the NCUA has a duty to protect the insurance fund against "material risks."
RBC2: NCUA Doesn’t Know What The Future Holds (And Neither Do I)
Like generals, regulators are always fighting the last war.
RBC2: Questionable Claims
Much of the logic surrounding RBC2 is absurd, especially the idea that it offers any more protection than effective examination.
RBC2: Member-Owners Get Burned Both Ways
Reserves are different from capital, and with RBC2, credit union members pay the price.
Gaining Influence In A Metropolitan Area
University Federal Credit Union is a mover and shaker in Central Texas.
RBC2: What Capital Problem?
The argument that existing capital regulations are ineffective just doesn’t hold water.
Browse Topics
Loan Trends In 2Q24
Andrew Lepczyk
Fluctuating loan demand upset credit union lending pipelines and balance sheets in the first half of the year. How significant were these impacts?
Macroeconomic Indicators In 2Q24
Andrew Lepczyk
Six data points showcase what’s happening in the U.S. economy that could direct credit union decision-making for the rest of the year.
As Indirect Lending Falls, So Goes Auto Market Share
Sherry Virden
Credit unions have made the choice to back away from indirect auto lending, but that has come with a substantial opportunity cost.
Better Rates And Service Mean Extra Costs For Credit Unions
Trace Jerrett
Credit unions leverage their member-first mission to better serve all members, even those of modest means, making cooperatives especially valuable in challenging economic times.
5 Graphs That Explain Today’s Investment Portfolio
Roman Ojala
Credit unions are reigniting investment strategies amid rate shifts and slowing loan demand.
3 Reasons To Include Student Lending In Your 2025 Plan
CU Student Choice
The need for responsible higher education financing continues to grow, and your credit union has an opportunity to provide affordable, flexible funding for college and technical careers.
Buy Now, Pay Later: Fad Or The Future?
Savana Morie
BNPL programs have become a key player in the financial landscape, with some credit unions adopting their own version for their members.
6 Reasons Credit Unions Are Selling Their Credit Card Portfolios
Timothy Kolk
Market pressures and compliance challenges are just two variables pushing cooperatives to hand off their card operations.
It’s Time To Rethink Credit Card Rewards
Marc Rapport
How credit card reward programs drive business and loyalty at Alliant and Affinity credit unions.
Members Want BNPL. How Will You Respond?
Savana Morie
A March 2024 study determined Buy Now, Pay Later tools are among the top features consumers want from their payments options.
RBC2: You Might Not Like What Comes Next