Hello,
I was wondering what investment options Credit Unions ("CUs") are favoring these days, to deal with their significant excess of shares over loans.
In an ideal world, CUs would not need to rely significantly on investment income but given many of them are struggling to increase their loan to share ratio, they need to continue to look at potential investment income.
Deposit rates are clearly extremely low (but short term deposits obviously play an important part in helping with the liquidity ratios etc.) across the Irish Banks.
Has anyone explored or placed CU deposits in other Eurozone Banks and if so, what attracted you to them and what challenges needed to be overcome (if any) ?
Certain types of Bonds can play a part and offer slightly better returns - be they Government or "Gilt Edge" corporates.
What else, if anything, is your CU investing in to help generate a return ?
Many thanks.
I was wondering what investment options Credit Unions ("CUs") are favoring these days, to deal with their significant excess of shares over loans.
In an ideal world, CUs would not need to rely significantly on investment income but given many of them are struggling to increase their loan to share ratio, they need to continue to look at potential investment income.
Deposit rates are clearly extremely low (but short term deposits obviously play an important part in helping with the liquidity ratios etc.) across the Irish Banks.
Has anyone explored or placed CU deposits in other Eurozone Banks and if so, what attracted you to them and what challenges needed to be overcome (if any) ?
Certain types of Bonds can play a part and offer slightly better returns - be they Government or "Gilt Edge" corporates.
What else, if anything, is your CU investing in to help generate a return ?
Many thanks.
