Explore how credit unions can strengthen earnings and reduce volatility through effective investment, allocation and liquidity strategies as well as a discussion on the targeted use of derivatives. Learn how to align balance sheet decisions to drive growth, protect liquidity, and deliver more consistent financial performance.

Detailed Description:

Credit unions today face a dual challenge: achieving sustainable growth while managing earnings volatility in an increasingly uncertain interest rate environment. This session will explore practical, balance sheet-driven strategies to strengthen profitability without compromising liquidity or risk discipline.

Jonathan Jackson will focus on investment structures, portfolio allocations, and strategic positioning, highlighting how credit unions can enhance earnings while maintaining appropriate liquidity levels and controlling risk exposures.

Mark DeBree will then examine how derivative strategies can be used to reduce earnings volatility, providing a real-world case study that demonstrates how hedging can stabilize financial performance across varying rate environments. The discussion will also quantify the often underutilized value of off-balance sheet tools in improving consistency and predictability of earnings.

Attendees will walk away with actionable insights on how to align investment and hedging strategies to support long-term growth, improve earnings stability, and strengthen overall balance sheet resilience.