When financial markets became increasingly influenced by excessive lending before the financial crisis in 2018-2019, IDC Financial Publishing's methodology played an important role in tracking financial institution safety, and established a successful record that may alert investors to another period of risk in the future. Learn how IDCFP became a benchmark…
On January 1, 2020, the Current Expected Credit Losses rule, or CECL, was imposed, which includes new guidelines for taking provisions for anticipated future loan losses. These guidelines require lenders to anticipate the losses today that they expect to incur on current borrowings in the future. As effects of the…
Rising German 10-Year yields, historically, have been the best indication of absolute performance of U.S. bank stock prices. Chart I Recently, the German 10-year yield declined to levels below -0.62%. Historically, low spikes in this yield led to a reversal, such as on 6/30/2016, 8/30/2019 and late March in 2020. Each…
Covid-19 and a second quarter 2020 short-term recession have created potential risk in the banking system. Reports on bank financial conditions to be released in November (2020Q3) will further detail this risk. Subscribe to IDC Financial Publishing’s online portal to receive updates. Out of the 1,839 institutions with brokered deposits, we…
Credit unions have grown to become a major factor in the U.S. economy, with assets that have grown at nearly twice the pace of banks’ over the past decade.1 Credit unions are owned by their members and are designed to offer lower borrowing costs and higher deposit rates. In addition, the…
