L (Liquidity)

Tina Orem, in a July 1, 2019 article in cutimes.com, reports that overdraft fees for consumers may have hit a breaking point.

Reginald Watson, Regulatory Compliance Counsel, NAFCU in a recent nafcu.org article writes that NCUA will be focusing on Liquidity during 2019 audits.

Too much Liquidity or too little Liquidity can be detrimental for credit unions. They should focus on having just the right amount of Liquidity.

Tina Orem in an April 22, 2019 article in cutimes.com reports that “digital only” financial institutions have higher customer satisfaction than institutions that rely on traditional service delivery methods.

Articles in CUTimes.com and washingtonexaminer.com indicate possible bad news for credit unions and banks that depend heavily on consumer-fee income.

Considering buying loans because of persistent low loan to share ratio?

Considering selling loans due to liquidity or concentration risks?

Already buying or selling loans and want to stay abreast of recent NCUA developments?

Related web seminar on this topic:

Loan Participations

Buying and Selling

June 14 • 2018

11 am PT • 12 pm MT

1 pm CT • 2 pm ET

Imani Moise in a December 2018 article in Nasdaq.com writes: “… “looking behind headline numbers showing healthy loan books, problems appear to be cropping up in areas such as home-equity lines of credit, commercial real estate and credit cards, according to federal data reviewed by Reuters.”

A recession of some degree is probably imminent. Recessions are of particular concern to credit unions as borrowers become hard pressed to make loan payments.