The DCG advisory consulting team starts every week with an internal discussion of market trends, regulatory developments, and the real experiences of our bank and credit union clients. Here are the notes from this week’s Monday Morning Meeting.
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.
