The Fixed-Rate with Cap can assist liability-sensitive members with addressing funding mismatches associated with holding long-term assets. This new product is a hybrid funding option that combines a fixed-rate borrowing with an...more
Needing a funding tool to help manage prepayment and interest rate risks as members’ liquidity and assets/liability needs change, the HLB developed the Callable Advance. The Callable Advance gives members the option of calling...more
With interest rates near historic lows and assets continuing to reprice lower, members continue to face downward pressure on earnings. In addition to shrinking margins, members are facing rising costs in an uncertain economic and...more
In this article, Dr. Thomas J. Parliment gives members a closer look at how he uses duration based pricing to originate fixed-rate commercial real estate mortgages. Dr. Parliment, Chairman & CEO of Parliment Consulting Services, Inc.,...more
As the Chief Operating Officer of one of largest and most experienced Asset Liability Management solutions provider in the US, Frank L. Farone of Darling Consulting Group knows a thing or two about incorporating strategic wholesale...more
Many of our member-lenders are in the process of updating and implementing new liquidity policies and/or have received requests from their regulators regarding their total borrowing capacity. The following article is designed to serve as...more
Most of our member-lenders know the core of the HLB’s mission is advancing housing opportunity and local community development. However, they may not know that our Community Lending Program (CLP) features the lowest priced source of...more
Credit Union Survival in a Challenging Environment
Presented by Frank L. Farone, Managing Director of Darling Consulting Group (DCG)
An informative webinar discussion about specific strategies, tactics, and plans of action to help credit unions thrive in what is expected to be a challenging period in credit union history.
Education & Tools
Designed to help members address their funding needs and fully maximize their membership, the FHLBNY has developed the tools and workshops listed below. Please contact a calling officer to schedule an event or run an analysis for you.
› Director Education Program
Specifically created for directors and managers of member institutions. This program is customized to address your specific needs and concerns and will cover a wide range of issues commonly faced by most community lenders.
› Municipality Education
Customized workshop for your institution and your municipal customers to discuss the FHLB System, the potential advantages of the MULOC and Refundable MULOC, the importance of the product’s triple-A-rating, and the mechanics of the issuance process.
› Parliment Workshops
Focuses on strategic financial planning to help institutions gain and maintain sustainable earnings growth.
› “All in” Rate Borrowing Tool
Developed to help members fully realize the economic impact the FHLBNY dividend has on borrowers’ advance rates.
› Interest Expense Calculator
Developed for members to calculate and compare the economic benefits that different terms of FHLBNY advances may provide versus alternative funding sources.
› Amortizing Advance Schedule Tool
A simple tool developed to help members model and compare the schedules and cashflows of FHLBNY’s Amortizing Advances.
› Funding Comparison Tool
Developed to compare member decisions on whether to start funding long term or continue to fund short and what the implication of market forward rates may have on those decisions.
› Prepayment Fee Calculator
Developed to assist members estimate what the prepayment fees on non-structured FHLBNY advances may be.
› Funding Mix Calculator
Developed to assist members’ decisions on how to find the optimal mix of funding sources for a particular asset or assets such as an MBS or a pool of mortgage loans.
Fact Sheets & Other Information