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Posts tagged with "Banker’s Dashboard"

04/23/2019

Like Spinach for Popeye, Bank Acquisitions Make Credit Unions Stronger

Credit unions gain financial muscle when they buy whole banks. That’s the conclusion of a comprehensive report on acquisitions by the Filene Research Institute. According to the report, credit unions that acquired banks and savings institutions achieved higher capital ratios, ROA, ROE, and had lower net charge-off loan ratios compared to comparable-sized credit unions. Given…

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04/22/2019

The yield curve is inverting. That’s signaled recession since the ’60s. Now what?

Can we predict the future by looking at the past? When you’re talking about finance, the answer may well be yes. Every recession we’ve had since the 1960s occurred about a year after an inversion of the Treasury yield curve. And, it looks like that’s starting to happen right now. But it’s not time to…

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03/19/2019

Which accounts are helping your NIM, and which are hurting?

Net Interest Margin (NIM) makes the world go ’round in banking. Most everyone in finance knows it measures the difference between the interest banks pay and the interest they receive. Last year, the average NIM for U.S. banks was 3.2 percent, which was up from a record low of 2.95 percent in 2014, but down…

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03/18/2019

Three things you should be doing for your board of directors

We ask a lot of our boards—sometimes more than the pay or liability risk would warrant! Fortunately, most community banks have board members who are personally engaged and invested enough to go the extra mile for your institution. To my knowledge, no one has studied this, but I expect that the higher the board’s engagement,…

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02/25/2019

How to Get Employees Behaving Like Business Owners

Whether they realize it or not, many of our Dashboard clients practice “open-book management.” In other words, they actively create a culture where employees think, act, and feel like owners. They get their employees engaged in making money for the business. How does open-book management work? According to John Case, who coined the phrase and…

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11/29/2018

Credit Union Puts Data and a Dashboard into More Hands

Chaffey Federal Credit Union of Rancho Cucamonga, CA is expanding its use of Dashboard across the institution. It’s part of a deliberate strategy for Chaffey FCU to increase the use of data to make decisions at every level. The credit union first started using Dashboard to improve the speed, ease, and accuracy of the budgeting…

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11/15/2018

Wild ride: Stay in control during unpredictable conditions

Babies were crying. Strangers were holding hands and praying. Seat belts were pulled tight to the point of impinging circulation. “We’re going to have to ride this out,” the pilot had said. I suspected the 757 was on autopilot, the sophisticated electronics constantly adjusting to the turbulent conditions. “How nice that would be,” I thought….

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