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Financial Intelligence

ALCO Decision Making—Making the Right Decisions at the Right Time

Presented by Frank L. Farone, Managing Director of Darling Consulting Group (DCG)

In a period of slow economic growth, many credit unions face unprecedented challenges. Pressure on net interest margins, declining fee revenues, and heightened operating regulatory expenses all have contributed to the decline in bottom-line income and stress on capital levels. However, as we are seemingly exiting this point of the interest rate cycle and entering a period of stronger economic growth, questions arise on how to best position your balance sheet for success with the prospect of rising interest rates. Watch the webinar to learn about credit union strategies and tactics to tackle the challenges that lie ahead.

Webinar topics include:

  • Options to reduce risk and optimize bottom-line earnings in the face of rising interest rates
  • Robust interest rate risk modeling and balance sheet strategies, including assumptions and common, costly mistakes
  • Insight on interest rate sensitivity from the perspective of regulators, how to satisfy concerns, and challenge some “flawed” perceptions
  • Enhance CRA performance
  • Leverage strategy solutions to fend off deterioration of fee income and margin compression

About Frank Farone

Frank L. Farone is a frequent and very popular presenter at financial services conferences nationwide, and has developed training programs for organizations such as CUNA, NCUA, and the Financial Managers Society (FMS). Frank was designated a “top-rated” speaker by FMS and is well known for his popular seminar “Turbo Charging Your ALCO Process,” having helped thousands of financial managers and directors across the country.

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The content provided in these disclosures is presented as a courtesy to be used only for informational purposes and is not represented to be error free. The FHLBNY makes no representations or warranties of any kind with respect to the content contained herein, such representations and warranties being expressly disclaimed. The FHLBNY is not a financial or investment advisor.

Moreover, the FHLBNY does not represent or warrant that the content of these disclosures is accurate, complete or current for any specific or particular purpose or application. It is not intended to provide nor should anyone consider that it provides legal, accounting, tax or other advice. Such advice should only be rendered in reference to the particular facts and circumstances appropriate to each situation. The FHLBNY encourages you to contact appropriate professional(s) and consultant(s) to assess your specific needs and circumstances and to render such advice accordingly. In addition, the FHLBNY is not endorsing or recommending the use of the means or methods contained in or through these disclosures for any special or particular purpose.

It is solely your responsibility to evaluate the risks or merits of any funding or investment strategy. In no event will FHLBNY or any of its officers, directors or employees be liable for any damages — whether direct, indirect, special, general, consequential, for alleged lost profits, or otherwise – that might result from any use of or reliance on these materials.

Key Contacts

Relationship Managers:
(212) 441-6700
Member Services Desk:
(212) 441-6600 or
(800) 546-5101, option 1

[email protected]

Download the Presentation

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