The forces that would drive credit union consolidation are often thwarted by self-preservation.
Credit unions and regulators should revisit the realities and focus of IRR modeling, and the resulting balance sheet strategies.
Differences between the NCUA's risk-based proposal and Basel III requirements will make credit unions less competitive and less able to accumulate capital.
This Opinion piece warns to get ready to avoid the damage many credit unions would sustain should bond values swoon.
A new analysis by Sandler O’Neill underscores how critical the sheer size of financial institutions has become to their surviving and thriving. Yet top performing credit unions are being held back by a systemic lack of accountability.