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800.995.9064 Phone | 877.928.6397 Fax
8205 SW Creekside Pl, Ste 220 Beaverton, Oregon 97008
33301 9th Ave South, Ste 200 Federal Way, Washington 98003
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Asset/Liability Management
Over the past four years, credit union earnings, if not outright survival, have been threatened from many directions. NCUSIF assessments will continue for years to come. Loan demand and yields are down for many, putting pressure on margins—in part because share rates can’t be lowered much more. Fee income is threatened not only from legislation and regulation, but now from new competitors with new, innovative products (e.g., PayPal and Google Wallet).
There is less and less room for error in the financial services industry; the consequences of not asking the right questions have become more severe. The issue is not just credit risk, but building a business model designed for the future.
A/LM is much more than numbers. This course, customized for The Northwest Credit Union Association, is designed to help financial and non-financial people alike to understand how they can apply real A/LM strategically.
Take advantage of the chance to discuss and test balance sheet ideas in your own "learning laboratory" using case studies. We'll discuss key processes of Strategic A/LM concepts, explore contemporary issues and invite you to use proven and innovative methods used by hundreds of credit unions to manage risks and make decisions about business opportunities.
We’ll discuss some of the questions often asked by credit union boards and managements, such as:
- Our yield on loans and investments continue to drop. We can’t lower deposit rates much lower. What are our options?
- How should success be measured in this ever-changing environment?
- Asset growth: short term and long term, what should we consider?
- Is there a way to see—and then be able to easily show my board and management team—what the long-term financial consequences would be if we do “X”?
- Are our new business decisions making money or are they a noose in the making?
- What new strategic risks are threatening our industry that can’t be ignored?
- There are credit unions that are doing really well. Why?
- What are some evolving balance sheet trends and business opportunities that are affecting the earnings profiles of other credit unions?
- What is NEV? How should it be used—or not used—in decision making?
- What can be missed by limiting our view to a 300 basis point rate shock?
- What key questions should we answer when establishing risk tolerances for our policy?
This is an excellent opportunity to provide up-to-date A/LM education not only for management, but also for volunteers. Join us for this engaging, highly interactive session. You’ll walk away with new ideas to help you make better decisions and gain a better understanding of the emerging reality that A/LM and strategic planning are now inseparable.
Agenda Overview
| Day One | |
| 8:30 a.m. | Registration Open |
| 9:00 a.m. | The basics of A/LM and balance sheet management: A refresher on terminology and interpreting financial statements |
| 10:00 a.m. | A scan of what our external and industry environment could look like in 2013 and beyond, followed by a discussion of the basic building blocks of a resilient business model |
| 12:00 p.m. | Lunch (included with registration) |
| 1:30 p.m. | Strategic A/LM concepts and "lab work" applying your ideas to real credit union case studies to test those ideas and the impact they have on safety and soundness |
| 5:00 p.m. | Conclusion of Day 1—the evening is yours to enjoy! |
| Day Two | |
| 8:30 a.m. | Review of Day 1 and additional "lab work" using credit union case studies |
| 12:00 p.m. | Lunch (included with registration) |
| 1:30 p.m. | Review and discussion of case study results, followed by discussion of strategies that work—and don't work—for other credit unions |
| 4:00 p.m. | Conclusion of Conference |
Location and Accommodations
The Grand Hotel at Bridgeport
7265 SW Hazelfern Rd.
Tigard, OR 97224
866.968.5757
Special Room Rates: $109 per night– ask for the NWCUA Room Block
Hotel Reservation Deadline: February 27, 2012
Car Rental Discount
Northwest Credit Union Association has made arrangements with Enterprise Rent-A-Car and National Car Rental to provide you with a 10% Discount Code for any car rentals in Oregon or Washington for the Washington Governmental Affairs Conference in Olympia, Washington.
There are three ways to populate the NWCUA Discount Code L450064 for Enterprise Rent-A-Car:
- Call any location directly
- National reservations at 800-RENT-A-CAR
- Online at the Enterprise Rent-A-Car Website (this link will automatically populate the NWCUA corporate ID into the reservation)
There are two ways to populate a discount code GCAMA045 for National Car Rental:
- Call 1-877-222-9058 and provide the corporate ID number GCAMA045
- Online at the National Car Rental Website (this link will automatically populate the corporate ID)
Cancellation & Refund Policy
Registration fees are non-refundable after the early registration date. Substitutions will only be accepted prior to notifying NWCUA no later than the early registration deadline.
For More Information:
Contact Training & Development Department at 800.995.9064 ext. 109 or e-mail your questions directly to training@nwcua.org.
