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IRR, the Interest Rate Evironment Credit Union Risk

IRR, the Interest Rate Evironment Credit Union Risk

Update: 2025-08-12
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www.marktreichel.com

https://www.linkedin.com/in/mark-treichel/


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
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IRR, the Interest Rate Evironment Credit Union Risk

IRR, the Interest Rate Evironment Credit Union Risk

Mark Treichel's Credit Union Exam Solutions