Protect Your Loan Portfolio


Strengthen Your Credit Union’s Investments
by Steven Houle, CFA, FRM

The shape of the yield curve is changing. Is it affecting your credit union’s investment strategy? If so, you’re not alone.

As the interest rate environment and yield curve shift, now is as good a time as any to assess your investment strategy. Prior to the Federal Reserve’s Fed Funds rate increases (which started in December 2015), the opportunity cost of holding on to “extra” cash was very high. Even though the yield curve was at historically low levels, the slope of the yield curve was steep. This provided significant opportunities to pick up income between holding cash and putting funds in term investments.

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