Credit Union Exam Solutions Presents With Flying Colors | IRR, the Interest Rate Evironment Credit Union Risk

IRR, the Interest Rate Evironment Credit Union Risk

August 12, 2025 / 11:25/E288 Download MP3

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INTEREST RATE ENVIRONMENT

Fed policy uncertainty and tariff impacts
Yield curve normalization: -35 to +50 basis points
CD composition shift: 13% to 28% of deposits
Credit unions adapting to "new normal"
Investment portfolios still 6-7% underwater
Examiner demands for enhanced stress testing
Cost vs. value of regulatory requests

IRR, the Interest Rate Evironment Credit Union Risk