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11 Ratios Every Credit Union Professional Should
11 Ratios Every Credit Union Professional Should

... seasonal loan/share lows and a contingency plan when liquidity approaches inadequate levels. ...
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... – There are elements that cannot be modelled this way • Evolutionary change in the system • Non-systemic events—such as for example, people being persuaded by the failure of the system that the system must be changed – There is a limit to modelling—institutions and evolution and human agency must al ...
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Chapter 23: Short-Term Financial Management
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... and deposited in another of the firm’s bank accounts. An automated clearinghouse debit transfer is a preauthorized electronic withdrawal from the payer’s account and is generally known as an electronic depository transfer. A wire transfer is an electronic communication that removes funds from the pa ...
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... The switch to on-demand is even harder to assess because we need more information on the average number of years customers stay subscribed, the churn rate (the percentage that cancel each year), and the “breakeven point” at which new customers become profitable. Broadly speaking, switching to subsc ...
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... 5.1% and the MSCI Emerging Markets Index decreased 1.6%. Value stocks held up better than growth names with the Russell 1000 Value Index returned 12.3%, while the Russell 1000 Growth Index returned 9.5%. Fixed Income markets posted small gains or slight losses during the first quarter as interest ra ...
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... by productive activities transformed effectively from the increased domestic resources and the mobilized international resources in the forms of foreign capital inflow and foreign direct investment. The increase in investment enhanced aggregate output and national income, which in turn induce furthe ...
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... ● In general this is only the case at issuance ● In this case, there is a bijection between maturity and yield to maturity ● We have seen that this is the equivalent of par swap rates  Different types of rates: ● Par swap rate for a given maturity ● Zero-coupon rate for a given maturity ● Coupon ra ...
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Internal rate of return

The internal rate of return (IRR) or economic rate of return (ERR) is a rate of return used in capital budgeting to measure and compare the profitability of investments. It is also called the discounted cash flow rate of return (DCFROR). In the context of savings and loans, the IRR is also called the effective interest rate. The term internal refers to the fact that its calculation does not incorporate environmental factors (e.g., the interest rate or inflation).
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