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Protected: Raddon 2015 Credit Union CEO Forum Material
Monday, 24 Aug, 2015 | | Enter your password to view comments.

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Overdraft/NSF Coverage Is a Valuable Service
Tuesday, 30 Jun, 2015 | | No Comment
Overdraft/NSF Coverage Is a Valuable Service

Even if they never use it, consumers still value protection on their checking accounts to avoid overdraft and non-sufficient funds (NSF) events – perhaps to the consternation of some regulatory bodies and consumer advocate groups.

Where Are We Headed? Predictions for 2015
Thursday, 26 Feb, 2015 | | One Comment
Where Are We Headed? Predictions for 2015

2014 proved to be an interesting year, both from an economics standpoint and from the perspective of the financial services industry. What’s on the horizon for 2015? This article will preview The Raddon Report’s predictions for the coming year.

How Accurate Was the Raddon Crystal Ball in 2014?
Thursday, 29 Jan, 2015 | | No Comment
How Accurate Was the Raddon Crystal Ball in 2014?

How were our predictions for 2014? Let’s look back on the predictions we posted early in 2014 regarding the economy and the industry, and see how we fared.

Protected: Raddon 2014 Credit Union CEO Forum Material
Tuesday, 26 Aug, 2014 | | Enter your password to view comments.

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Being Prepared for Rising Interest Rates
Tuesday, 17 Jun, 2014 | | No Comment
Being Prepared for Rising Interest Rates

At the height of our country’s financial crisis, the Federal Reserve’s Federal Open Market Committee (FOMC) adopted the policy of “quantitative easing” where it (a quasi-political arm of our federal government) goes into the marketplace to buy long-dated securities and mortgage-backed bonds to directly lower their interest rates. To be sure, this policy which adheres to macroeconomic theory helped end our country’s economic collapse in 2009 and may have helped keep our economy muddling along in the ensuing years.

2013 in the Rearview Mirror
Tuesday, 21 Jan, 2014 | | No Comment
2013 in the Rearview Mirror

Many of us gladly said farewell to 2013 and are looking forward with more optimism to 2014. We at the Raddon Financial Group understand this sentiment. 2013 was a year of continuing recovery for the economy and the industry, albeit a very slow recovery. The economy improved – slowly – and the industry improved – also slowly.

The Evolution in Non-Interest Income
Friday, 1 Nov, 2013 | | 2 Comments
The Evolution in Non-Interest Income

Three seminal but seemingly unrelated events are suggestive of the pressures the financial services industry is likely to face in 2014. These pressures are changing the fundamental business models of financial institutions.

First is the decision by US District Judge Richard Leon to send back to the Fed for revision its cap on debit card interchange.

Protected: Raddon 2013 Credit Union CEO Forum Material
Monday, 12 Aug, 2013 | | Enter your password to view comments.

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Raddon Predictions For 2012 – How Did We Do?
Thursday, 10 Jan, 2013 | | One Comment
Raddon Predictions For 2012 – How Did We Do?

The financial services industry experienced both positive and negatives in 2012. Earnings improved as loan portfolios became increasingly cleaner. Mortgage refi activity was a great contributor to improved profitability, as it outweighed the negative impact of declining margins and challenges to other areas of non-interest income. General economic activity was also improved, albeit only slightly, over 2011 levels.