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How quickly things change! Only a few months ago, credit unions were busy trying to find deposits and were offering a variety of certificate specials to help fund members’ strong loan demand. Many credit unions budgeted for what they thought would be continuing strong loan demand in 2007, with the indication that rates would remain fairly low and stable. But in recent months, we have seen a dramatic shift with credit union liquidity increasing to levels we haven’t witnessed in a number of years.

Given the current environment of softening loan demand and higher liquidity, this is a good time to review your credit union’s overall investment and ALM strategies. There are several areas you can easily review to ensure you are maximizing earnings during this cycle.

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