#154 Insights on Capital Market Trends in Credit Unions with Bill Paton of Alloya Corporate FCU

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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/