Bank & Credit Union Insights

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?

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

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.

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

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

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

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

Many financial institutions over the past 24-36 months have lost confidence in their interest rate risk models.

One of the most common questions we get from our clients is, “What should we do about our deposits?”

When I reflect on the state of the community banking industry, I can’t help but see a close likeness to those difficult adolescent years.

No one can predict the rate and economic environment. Yet, we can make sure we have strong risk management cultures in place.

The Darling Consulting Group team has been in contact with hundreds of banks and credit unions since the bank failure situation unfolded.

The ability to lag deposit pricing is clearly over and retaining balances, let alone growing new funds, will be a challenge.

If there were ever a time when institutions spent countless hours to be “precisely incorrect,” it was the 2022 budgeting process!

DCG Managing Director Bob Lallo analyzes some of the key considerations surrounding the “Loss Trade.”

Consider alternative outcomes to the rate forecasts we have been offered by both the Federal Reserve & the markets.

Institutions must try to change the conversation around lending strategy if they truly want to set themselves apart from competition.

Financial institutions are in the business of taking calculated risks, but it is the responsibility of ALCO to measure and manage them.