Credit Union Overtime Podcast · 2023-07-11 · 18 min
During this episode, Larry chats with Dale Sheller with the Baker Group about why the Federal Reserve recently decided to not increase interest rates, the implications of the tightening cycle on margins, preparations of financial institutions for the end of the tightening cycle, the reasons for an inverted yield curve, regulators' responses to unrealized investment portfolio losses, and the benefits and structure of the bank term funding program in mitigating risk. After the podcast, be sure to check out Dale’s complimentary webinar, Interest Rate Risk Management Today. Register for this free webinar here: . Here is a quick breakdown of what is covered during the podcast: [1:12] The Fed skipped raising interest rates at the last meeting - why did they do that and are they done raising interest rates? [2:24] Is the recent fast-tightening cycle good news for net interest margins? [4:27] How fast does the cost of funds catch up to the yield on earning assets? Has it been faster in this cycle? [5:27] How are financial institutions preparing for the Fed to end the tightening cycle? [7:50] Why do we have an inverted yield curve?
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