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For the past six years, financial institutions have been lengthening the duration of their loans and investments to slow the shrinking of interest margins. As a result, the NCUA has become more concerned about interest rate risk (NCUA Letter to Credit Unions 14-CU-02) and is focusing more on each credit union’s method of measuring and addressing IRR.

Other regulatory agencies have raised IRR concerns as well. The recent run-up in interest rates has further stoked IRR concerns among CEOs and regulators and has sharpened the debate among these parties as to the efficacy of different approaches to asset/liability management modeling. That debate revolves around key issues such as:

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