The Big Banks are Vulnerable We’ve all heard the phrase “too big to fail” related to the big banks. I firmly believe the past twelve years have proven they’re actually “too big to service” the bulk of consumers. Clearly, big banks play a major role in our economy. But...
Every credit union understands the need to keep more assets on the balance sheets. Profitable loans are the lifeblood for all banking institutions. All asset managers understand the principle of generating interest income. But it is not as simple as monitoring the...
Credit Unions have helped members finance vehicles since the first credit union was established. Over many decades, CU’s have grown their indirect auto loan portfolio by leaps and bounds, with aggressive rates and technology upgrades through dealership financing...
Sharing our Experience Almost 20 years ago, I walked away from a career in the newspaper industry and started Stellar Strategic Group. Having no formal training in the banking industry this pivot in careers seemed odd to many of my co-workers and friends. My theory...
Background: This credit union (CU) is located in the Southwest and has an asset size of roughly $160MM with 14,000 plus members. The CU has a community charter footprint with a potential membership of 500K plus. The CU was not the market leader in rates, with rates...
Background: This credit union (CU) is located in the Midwest and has an asset size of roughly $1.3B with 120,000 plus members. The CU has a community charter footprint with a potential membership of over several million households. The CU rates for A, B, C, D, & E...
