Capital Adequacy

TCT Risk Solutions is excited to announce the launch of their real time ALM Simulation tool.

Click Watch Now below to see a demonstration of the tool.

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A September 9, 2019 article in written by Martin Crutsinger describes how consumer borrowing in July, 2019 was the highest in two years.

This is good news for credit unions so long as they are participating in the loan growth, risk is being managed and lending is profitable.

Caroline Hroncich, in a September 3, 2019 article in, writes that HSAs are expected to surge in coming years – perhaps becoming the IRAs of the future.

The big question for credit unions is the extent to be involved in services such as HSAs and how should they be priced and managed to assure Interest Rate Risk and profitability is managed appropriately.

Aarthi Swaminathan reports in an August 8, 2019 article in that student loans are adversely impacting the lives of young people.

Student loans for many Americans will hamper their ability to afford large purchase items such as autos and homes far into the future. Credit unions will need to carefully assess the risk in loaning to consumers who carry student debt – especially low-income consumers.

An August 5, 2019 article in, written by Mary Wisienski, reports that young Americans still like branches to transact income-generating banking business like loan applications, mortgages, etc.

Financial institutions may need to reconsider cutting back on their brick and mortar branches if they wish to maintain a competitive edge with consumers.