Bank & Credit Union Insights

Deposit gathering is no longer passive; it is a strategic imperative.

Well-rounded credit risk stress testing processes can help allocate capital more prudently under any environment – stressful or otherwise.

What are you missing as 2025 approaches with continued earnings risk uncertainty? Here are four considerations to advance change at ALCO.

For better, more confident decision-making, consider the three key steps of a model risk management “health check.”

Recent volatility put interest rate risk models to the test. Here are five steps to regain trust in your risk model.

This month’s Review highlights notable trends and projections in DCG’s deposit pricing and volume models.

When it comes to 2025 budgets, what factors will emerge as "treats" (deposit stability, asset yields, etc.) versus potential "tricks"?

This month’s Review highlights notable trends and projections in DCG’s deposit pricing and volume models.

Financial institutions need to pivot their strategies as the FOMC embarks on an easing cycle.

How can a deposit study capture dynamic movement and provide meaningful clarity to ALCOs? Here are four strong considerations.

It is more important now than ever before to stress test before the next crisis hits and options for remediation become even more limited.

This month’s Review highlights notable trends and projections in DCG’s deposit pricing and volume models.

These three steps begin building a liquidity management framework to help satisfy regulatory requirements and execute strategy confidently.

Deposit pressure may continue in the early stages of a Fed easing cycle. Here are four strategies for a proactive falling rate game plan.

DCG's Senior Analysts summarize key themes from the 40th Annual Balance Sheet & Model Risk Management conference.

For Current Expected Credit Losses (CECL) models, building a sound monitoring program and creating periodic reporting can be challenging.

A new FHFA report examines the FHLBanks' 90-year legacy and proposes some transformative goals. Here are the key points and take-aways.

A quantitative perspective on the next economic downturn.

How can you transform a stale and Dreaded ALCO meeting into one that members look forward to attending? You need to flip the script.

How can institutions prepare for a potential liquidity event? Here are the five discussions your organization should have already had.

When it comes to why they’re not performing credit/capital stress testing, institutions generally share five common objections.

What are some initiatives to help balance retention while protecting against the cannibalization of lower-costing funds?

Below are five serious questions that we believe the ALCO at your institution should be discussing and finding your own answers to.

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