Strategies, Best Practices and Thought Leadership

Staying Ahead of the Digital Curve: A Must for Community Banks and Credit Unions
Posted on November 15, 2023 by Baker Hill
The world is constantly evolving, with technology being the driving force behind much of this change. In the banking sector, digital transformation has become a necessity rather than an option. And for executives at community banks and credit unions, the...

Rising Debt Levels & Implications for Portfolio Risk
Posted on November 8, 2023 by Baker Hill
Total household debt rose by $16 billion to reach $17.06 trillion in the second quarter of 2023, according to the latest Quarterly Report on Household Debt and Credit from the Federal Reserve Bank of New York. Credit card balances...

Small Business Lending – Banking on Relationships
Posted on October 23, 2023 by Baker Hill
Despite borrowing costs reaching new highs, the anticipated credit crunch has yet to materialize, especially for small businesses. According to an article in Reuters , 28% of firms surveyed by the National Federation of Independent Business (NFIB) borrowed on a...

Uncovering the Opportunities in CRE Lending
Posted on October 16, 2023 by Baker Hill
Concerns about commercial real estate (CRE) exposure has some worried about banks' portfolio health, especially regional banks. However, certain CRE sectors are much more resilient than others, and some even present opportunities even in the face of potential economic volatility....

Is the Economy About to Get Schooled by Student Loan Repayments? Survey Says…
Posted on October 10, 2023 by Mike Horrocks
I love the current conversations about the economy and whether it is going to be a hard landing or a soft one. One recent article I read stated that the more we read about a “soft landing,” the more likely...

From Startup to Prosperity: How Credit Unions Fuel Business Dreams
Posted on October 5, 2023 by Mike Horrocks
Small businesses are the lifeblood of the American economy, and banking is the heart that keeps it pumping — and within the banking industry, there is no segment that has more heart for their borrowers than Credit Unions. I recently...
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