Bank & Credit Union Insights

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.

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.

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

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

Financial institutions need to pivot their strategies as the FOMC embarks on an easing cycle.

How can a deposit study capture dynamic movement and provide meaningful clarity to ALCOs? Here are four strong considerations.

These three steps begin building a liquidity management framework to help satisfy regulatory requirements and execute strategy confidently.

Deposit pressure may continue in the early stages of a Fed easing cycle. Here are four strategies for a proactive falling rate game plan.

A new FHFA report examines the FHLBanks' 90-year legacy and proposes some transformative goals. Here are the key points and take-aways.

How can you transform a stale and Dreaded ALCO meeting into one that members look forward to attending? You need to flip the script.

How can institutions prepare for a potential liquidity event? Here are the five discussions your organization should have already had.

When it comes to why they’re not performing credit/capital stress testing, institutions generally share five common objections.

What are some initiatives to help balance retention while protecting against the cannibalization of lower-costing funds?

Below are five serious questions that we believe the ALCO at your institution should be discussing and finding your own answers to.

The search goes on for the optimal deposit strategy to fund loan growth and manage funding costs.

How does the economic value of equity computation (EVE) provide more comprehensive information than current standards for disclosures?

DCG has facilitated analysis with high-performing institutions that have decided to either execute or reject bond loss transactions.