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Liquidity Survival Strategies and Tactics for Credit Unions in the New Era of Funds Management

Frank Farone

Managing Director

Darling Consulting Group

Frank consults nationwide with CEOs and CFOs of financial institutions to increase earnings through the proactive management of capital, liquidity/funding risk, and interest rate risk. He is a frequent speaker and author on topics such as industry issues and trends, funding solutions, regulatory issues, interest rate risk management, capital management, and derivatives hedging techniques.


Frank was designated a “top-rated” speaker by FMS and is well known for his popular seminar “Turbo Charging Your ALCO Process” having helped thousands of bankers across the country.

Liquidity and risk management are under a microscope like never before in the wake of bank failures and tightening liquidity conditions—with no end in sight. A new era of liquidity management requires a paradigm shift for many credit union ALCOs and places a premium on fortifying processes and preparing for what lies ahead. DORs are on the rise, so forewarned is forearmed. Be prepared!


In this session, DCG Managing Director Frank Farone will share real examples of how proactive credit unions develop “best practice” approaches to liquidity management. He will describe recent regulatory feedback and provide action items to enhance liquidity reporting, including dynamic forecasting, stress testing, early warning indicators, and effective policy development. Additionally, he will highlight considerations for effectively managing a liquidity position in the current environment, balance sheet strategies for increasing earnings, loan pricing and growth strategies, investment opportunities, and derivative strategies for all credit unions, regardless of size.


Position your credit union for success in 2024 and beyond. Tune in to learn more about:


  • The right approach beyond traditional regulatory metrics and ratios

  • Managing regulatory pressures and what to expect on your next exam

  • Building the appropriate stress tests and remediation plans

  • Critical elements of an effective Contingency Funding Plan

  • Assessing appropriate levels of wholesale funding and often overlooked alternatives

  • Deposit and loan pricing considerations in the current environment

  • Derivatives for lowering cost of funds

  • Investment strategies overlooked by most

  • Unrealized losses and why “selling” is not your best option (regardless of what the numbers show)

  • What’s on your mind?

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