Now more than ever, it is essential to have an accurate view of your CECL reserves. Looking more closely at the recent CU Times report on 1Q24 credit union earnings, what stands out is the volatility in provisions for loan losses, which have a major impact on the bottom line. You don’t need to be a top-10 credit union for CECL reserves to have a dramatic effect on one’s earnings performance. With originations down and more credit unions turning into participation buyers, be sure to have a trusted CECL analytics solution in place to set aside credit loss reserves that most accurately reflect the profile of your participation portfolio. You can learn more about LoanStreet’s solution here. https://bit.ly/3WwtyJr Read the CU Times report: https://bit.ly/3WwMSpT
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Join our CEO, Ian Lampl, and VP of Data & Analytics, Doug Callahan, for a special webinar with the National Association of State Credit Union Supervisors (NASCUS) on Monday, July 15th. The virtual event is focused on helping credit unions analyze their returns more effectively. Ian and Doug will dive deep into the often understated impact of prepayments on returns, as well as methods for calculating the lifetime return rate on investments, including those with irregular cash flow patterns. This webinar is available to NASCUS members. For more information and to register, visit: https://lnkd.in/eN3GZxGt
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Behind The Curtain - A Look Into Loan Participation Pool Building This month, we explain LoanStreet's process for building a loan pool, exploring each step from first receiving a loan file to calculating yield and pricing. In addition to this deep dive, we share our monthly market commentary and discuss the trends we see in the current loan trading ecosystem. Be sure to subscribe to the newsletter so you never miss an edition!
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In our recent webinar, “Next-Gen Analytics,” we explored the transformative potential of data analytics for loan management. Hosted by our experts, the event highlighted crucial strategies for leveraging analytics to make informed, quantitative decisions that enhance loan portfolio performance. Here are the key takeaways: + Evaluate loan performance with precision: Utilize metrics like Income Ratios and Internal Rate of Return (IRR) to gain a clear picture of loan performance, enabling better comparison and more informed capital deployment decisions. + Project cash flows for better liquidity management: Estimate future prepayments and charge-offs to predict cash flow patterns, aiding in strategic capital allocation and effective liquidity management. + Harness transition matrices for credit score migration: Track changes in borrower credit attributes over time using transition matrices, providing granular insights that enhance risk assessments. + Apply analytics across all loan types: Leverage LoanStreet’s analytics tools for any loan on your balance sheet, whether originated in-house or acquired from third-party sources, to gain comprehensive insights for strategic planning. Read the full summary and discover how embracing these tools can unlock the full potential of your loan portfolio: https://bit.ly/45rgaZE #LoanManagement #LiquidityManagement #CreditUnion #Analytics #Fintech #LoanAnalytics
Unlocking the Power of Advanced Analytics: Key Insights from LoanStreet’s Next-Gen Analytics Webinar
https://loan-street.com
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A Sense of Unsecurity - Unsecured Loan Performance This month, we feature a deep dive into how some seasoned unsecured loan pools have been performing in comparison to initial expectations. In addition to this deep dive, we share our monthly market commentary and discuss the trends we see in the current loan trading ecosystem. Be sure to subscribe to the newsletter so you never miss an edition!
June 2024: A Sense of "Unsecurity"
LoanStreet Inc. on LinkedIn
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Join LoanStreet’s experts for our upcoming webinar on Wednesday, June 12th at 1PM. We will discuss data-based approaches to liquidity management and capital allocation, as well as how the right tools can help reveal the true performance of a loan portfolio. Topics include: -Portfolio Analytics for Liquidity Management -Evaluating and Comparing Asset Classes -Tracking the Performance of Forward-Flow Arrangements -Loan Participation Analytics All registrants will receive a full recording of the webinar, be sure to secure your seat today! https://bit.ly/4bJ4Me8
Next-Gen Analytics Webinar - LoanStreet
https://loan-street.com
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In our latest white paper, we explore the economic differences of loan participations for buyers and sellers. In particular, we examine concepts such as delay days, carry, and leverage through the sellers’ perspective, and how they can enable sellers to increase their returns without increasing their risk profile. Read more: https://lnkd.in/enWGSKzy
Beyond the Transaction – The Hidden Returns of Selling Loan Participations
https://loan-street.com
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Days of Future Passed - Loss Expectations in the Face of Declining Auto Loan Originations This month, we examine recent delinquency and charge-offs trends in auto loans and revisit why portfolio-level performance metrics can be misleading when it comes to determining if things are really getting worse (or better). In addition to this deep dive, we share our monthly market commentary and discuss the trends we see in the current loan trading ecosystem. Be sure to subscribe to the newsletter so you never miss an edition!
May 2024: Days of Future Passed
LoanStreet Inc. on LinkedIn
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Following an insightful day at the LSTA Operations Conference, we’ve gathered our takeaways on the current trends in private lending. As this dynamic industry continues to modernize, see our thoughts on the trends shaping the future of this space. Swipe through for our key takeaways from the event:
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