By Kristin Ryan

By Theresa Witham

By Lisa Hochgraf

By Lisa Hochgraf

When credit unions talk about stress tests, they're often referring to asset/liability modeling in which they enter various interest rate scenarios and look at how that will affect their financials.

When Jim Devine talks about stress tests, he is referring to modeling a business' future cash flow, so a credit union can get a read on whether a business borrower is likely to have the cash needed to make timely payments on a loan.

Brett Christensen describes the difference between a co-signor and a co-applicant.It's never enjoyable being the bearer of bad news. Nevertheless, Brett Christensen suggests that being direct and positive can make communicating a loan deni

By Lisa Hochgraf Alan White fields a question from an attendee of CUES School of Risk Management. White is president/CEO of Vital Insight, the strategic provider that powers CUES Enterprise Risk Management.

 By Lisa Hochgraf 

During CUES School of Business Lending III today near Chicago, presenter Jim Devine emphasized that credit union business lenders not only need to understand how to analyze the health of a business, but also they need to be able to effectively communicate about that health with their business members. 

By John Oliver

Just 25 years ago, traditional financial services providers claimed 50% of the marketplace. Today, there are only half as many of these providers, and the share of the market has fallen to 20%. Traditional financial services providers are in a crisis.

By Bryan Clagett

There’s a conversation you could be having with your members about their future financial goals and the financial services they need to achieve those goals. For many of you, you’re having these conversations in the branch, the call center or the loan center. Is that enough?

By Jim Benlein, CISA, CISM

It’s not just important; it’s critical. But we often overlook or underplay keeping it protected and looked after in our disaster plans. It's our most important asset: our people.