Bank & Credit Union Insights

On 9/17/25, the Fed announced a 25bps rate cut – its fourth since the tightening cycle ended in mid-2023, but the first since last December. It comes at a time of continued uncertainty regarding the forward paths of employment, inflation, and economic activity.

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.

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

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.

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

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.

In the summer blockbuster Top Gun: Maverick, we catch up with Lt. Pete Mitchell (call sign: Maverick) as he breaks Mach 10 in an...