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Cost of funds is the king of retail banking acronyms. Yet, it only tells us half the story. Granted, without a sharp eye on COF, credit unions can expose themselves to devastating interest rate risk. As recent years have shown us, net interest margins can compress very quickly — and stay compressed much longer than anyone previously expected — revealing how little control we have over our mixed asset yield. Fortunately, we can still influence overall deposit cost and take back a large portion of our margin control.

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