The Importance of Asset Pricing and ALM Strategy for Credit Unions

The Baker Group's Pen and pad used for writing The Baker Group's articles

As if navigating the 2008 Housing Crisis and 2020 Global Pandemic weren’t enough, credit unions now face the most feared economic monster of all – inflation. CPI YOY jumped by 8.6% in May of 2022, backed by broad price increases across many sectors. Obviously, this is well above the Fed’s normal target of 2% and […]

The Importance of Asset Pricing and ALM Strategy for Banks

The Baker Group's Pen and pad used for writing The Baker Group's articles

As if navigating the 2008 Housing Crisis and 2020 Global Pandemic weren’t enough, banks now face the most feared economic monster of all – inflation. CPI YOY jumped by 8.6% in May of 2022, backed by broad price increases across many sectors. Obviously, this is well above the Fed’s normal target of 2% and increases […]

Is Your Investment Portfolio Properly Anchored?

The Baker Group's Pen and pad used for writing The Baker Group's articles

Many financial institutions saw record investment growth in 2020/21 as large stimulus payments bloated balance sheets and far outpaced loan demand. This surge in deposit growth, mixed with the large drop-in interest rates, led to collapsing margins and applied huge stresses on earnings and overall capital levels. As institutions fought to stay afloat and stem […]

Managing Bank Liquidity and Performance After COVID-19

The Baker Group's Pen and pad used for writing The Baker Group's articles

2020 will certainly be remembered as the year Covid-19 changed the world as we know it. Likewise, the associated “Lockdown Recession” is already changing the way many banks manage their balance sheets. With loan demand dropping in most parts of the country and stimulus deposits adding to already bloated cash positions, proactive strategic planning has […]

Managing Credit Union Liquidity and Performance After COVID-19

The Baker Group's Pen and pad used for writing The Baker Group's articles

2020 will certainly be remembered as the year Covid-19 changed the world as we know it. Likewise, the associated “Lockdown Recession” is already changing the way many credit union leaders manage their balance sheets. With loan demand dropping in most parts of the country and stimulus deposits adding to already bloated cash positions, proactive strategic […]