Bank & Credit Union Insights

An effective deposit management process consists of three key stages.

DCG’s primary objective for conference attendees is to walk away with “one key idea” for their institution. Sessions underscored a shared commitment to transforming unpredictability into opportunity through data-driven strategies. Here are the highlights from this year’s conference.

How can institutions have deposit pricing conversations that optimize both growth and stability at the margin?

I have observed a number of common themes regarding asset / liability management and the business of banking that still ring true (to me). So, in the spirit of my 22nd work “anniversary,” here are 22 observations (in no particular order).

This month’s Review highlights notable trends and projections in DCG’s deposit pricing and volume models.

The biggest challenge with dreadful ALCO meetings isn’t a lack of data. It’s deciding what matters.

Institutions struggle to successfully monitor their CECL reserve as well as fully communicate their best story to external and internal stakeholders.

It is more important now than ever before to stress test before the next crisis hits and options for remediation become even more limited.

Unlike the COVID deposit surge, the impact of the loan origination surge is still at hand. Understanding the issues and how the next 18 months may impact your institution is critical when looking at longer-term success with your balance sheet.

Interest rate risk is about how changes in rates affect a bank or credit union's income and value. It’s not about predicting interest rates, but being prepared for different scenarios. Better strategic decisions come from understanding one’s risk profile and running what-if scenarios to optimize strategic efforts.

Effective liquidity management in banking requires a structured approach that balances readily available cash, alternative funding sources, and contingency planning.

How do you take a sleepy meeting like ALCO that can be Dreadful, and transform it into a standing-room-only and engaging meeting?

What have we learned from previous rate cycles, and what strategies should you consider this time around?

This month’s Review highlights notable trends and projections in DCG’s deposit pricing and volume models.

Five key questions for the upcoming year that ALCOs should be devoting their time to.

Aside from going to market with a high-rate special, what can you do? The answer may lie in your existing data.

This month’s Review highlights notable trends and projections in DCG’s deposit pricing and volume models.

Deposit gathering is no longer passive; it is a strategic imperative.

Well-rounded credit risk stress testing processes can help allocate capital more prudently under any environment – stressful or otherwise.

What are you missing as 2025 approaches with continued earnings risk uncertainty? Here are four considerations to advance change at ALCO.

For better, more confident decision-making, consider the three key steps of a model risk management “health check.”

Recent volatility put interest rate risk models to the test. Here are five steps to regain trust in your risk model.

This month’s Review highlights notable trends and projections in DCG’s deposit pricing and volume models.

When it comes to 2025 budgets, what factors will emerge as "treats" (deposit stability, asset yields, etc.) versus potential "tricks"?