#154 Insights on Capital Market Trends in Credit Unions with Bill Paton of Alloya Corporate FCU
Manage episode 390394957 series 3303439
Host Mark Treichel interviews Bill Paton, Vice President at Alloya Federal Credit Union on the topics of liquidity in credit unions, focusing on events that took place in 2023. Bill identifies issues and developments including a rise in creative strategies for liquidity management such as securitizations and deposit swaps. He surmises that this ingenuity, likely a consequence of challenging times, will continue into 2024. The two also discuss the role of corporates credit unions and the Federal Home Loan Bank system in aiding liquidity. Lastly, they touch on the importance of loan pricing in managing liquidity, the potential benefits of non-member deposits, and the complexities of managing underwater loans.
00:35 Introduction and Guest Presentation
00:59 Discussing Liquidity in Credit Unions
01:11 Reflecting on the Year 2023 in Credit Unions
01:43 Exploring the Role of Aloia Federal Credit Union
02:15 Analyzing Liquidity Challenges in Credit Unions
02:52 Understanding the Impact of the Pandemic on Credit Unions
03:27 Discussing the Role of Large Credit Unions in Overall Numbers
04:34 Exploring the Concept of Loan to Share Ratio
08:14 Discussing the Future of Credit Unions in 2024
09:03 Understanding the Role of Securitizations in Credit Unions
14:50 Discussing the Impact of Federal Home Loan Bank System
20:10 Exploring the Role of Non-Member Deposits in Credit Unions
22:38 Discussing Loan Pricing in Credit Unions
28:22 Conclusion and Contact Information
https://www.linkedin.com/in/william-d-paton/
https://www.linkedin.com/in/mark-treichel/
185 episodes