Another worry of a credit union lender

first_imgFor CUES member Marty Pell, CIE, SVP/chief lending officer for $3.2 billion Coastal Federal Credit Union, Raleigh, North Carolina, the economic landscape is top of mind when it comes to the future of lending.“We’re late in the cycle,” Pell says. “But as credit unions, are we prepared for a potential slowdown? What consumer behaviors or governmental policy shifts will impact our business? We must be poised to take proactive steps.”When Pell thinks about the shifting economy, he considers:Asset quality. When delinquency naturally increases as part of the economic cycle, the dynamics change from growing to protecting the portfolio. “In advance of a recessionary environment, determine which loans have historically performed the best in such scenarios and compare those to your own loan portfolio,” he advises. “See how the portfolio structures align. If your portfolio lacks the performing loans it needs, … adjust your strategies.” continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Read More →

Wanted: Protective suits for cops at borders

first_imgPRO-6spokesperson Police Lieutenant Colonel Joem Malong said checkpoints were established beginning March 17. Policemen wereassisted by personnel from DOH Region 6, local government units concerned, andbarangay officials. The provincial governments of Iloilo, Antique, Aklan, and Capizimposed travel restrictions to seal their respective areas from the possibleentry of COVID-9. They tasked their respective police provincial forces toguard their borders. ILOILO City – The Police Regional Office 6 (PRO-6) only has 20pieces of personal protective equipment (PPE) for policemen enforcingprovincial border restrictions being observed in Panay Island against thecoronavirus disease 2019 (COVID-9). According to the World Health Organization (WHO), people can catchCOVID-19 from others who have the virus. The disease can spread from person toperson through small droplets from the nose or mouth which are spread when aperson with COVID-19 coughs or exhales. “Weare checking if drivers observe social distancing,” said Malong. “I hope the RDRRMC can give additional PPEs,” said Pamuspusan. At present, policemen with no PPEs manning border checkpoints aresimply observing social distancing and hand hygiene (using alcohol and handsanitizers), according to the director. Meanwhile,Pamuspusan reminded his men not to forget also the other campaignsof the Philippine National Police such as against illegal drugs, illegalgambling and fugitives, among others./PNcenter_img “I would like ask our personnel, pag nag-conduct sila ngcheckpoints they must also safeguard their health,” said Pamuspusan. Temporaryholding centers for people were also set up “just in case may makita nga symptoms,” said Malong. FIGHT VS. CORONAVIRUS. Chemical, biological, radiological, nuclear and explosives (CBRNE)-trained personnel of the Philippine National Police (PNP) from its health service unit are ready to assist other government agencies in the repatriation of Filipinos in China and other countries affected by the 2019 novel coronavirus. Some of the personnel who are ready for deployment don face masks and protective clothing during an event after the flag-raising ceremony at the PNP Headquarters in Camp Crame on Feb. 3, 2020. PNA BY IME SORNITO and RUBYP. SILUBRICO Brigadier General Rene Pamuspusan, regional police director,appealed for help most especially from the Department of Health (DOH) Region 6,Regional Disaster Risk Reduction and Management Council (RDRRMC) and localgovernment units (LGUs). The most common symptoms of COVID-19 are fever, tiredness, and drycough. Some patients may have aches and pains, nasal congestion, runny nose,sore throat or diarrhea. These symptoms are usually mild and begin gradually.Some people become infected but don’t develop any symptoms and don’t feelunwell.last_img read more

Read More →

UCLA ends Arizona drought

first_img AD Quality Auto 360p 720p 1080p Top articles1/5READ MORECoach Doc Rivers a “fan” from way back of Jazz’s Jordan Clarkson Farmar scored two free throws with 20 seconds left and another pair with 10 seconds left to give UCLA an 83-79 lead that sealed the victory. The Bruins controlled the second half, but never led by more than eight. It got interesting in the final minute as Arizona pulled within two points on an Afflalo mistake. He turned the ball over against the press in the backcourt. Chris Rodgers had the steal, made the basket and was fouled. He converted the three-point play with 35.2 seconds left to pull the Wildcats (9-4, 2-1) within two at 79-77. Farmar then made two free throws and after a Marcus Williams basket, Farmar made another pair of free throws. Afflalo had a team-high 20 points and Josh Shipp added 14. Arizona guard Hassan Adams was held to 21 points after averaging 28 in the first two Pac-10 games. Arizona had won four consecutive games and six of the last seven. UCLA hadn’t won at the McKale Center since 1997 and Arizona hadn’t lost at McKale Center since Jan. 29 against Washington State. Afflalo, the key to UCLA’s success this year, was instrumental. He hit a fallaway jumper near the baseline with 3:15 left to put UCLA ahead 75-68. The Bruins sure shot like they belonged at the McKale Center. UCLA shot 68 percent in the first half and eight of nine players scored. Lorenzo Mata, who started in the carousel that is UCLA’s center position, played well down the stretch. He drew consecutive fouls within a nine-second span and made three of four free throws to give UCLA a 71-63 lead with 5:25 left. Arizona just got back in the rankings this week with a double-overtime win at Washington. With a sweep of the Washington schools to start the Pac-10, the Wildcats were off to a great start. Center Michael Fey (ankle), forward Cedric Bozeman (shoulder) and Janou Rubin (flu) didn’t make the trip, so UCLA brought its three walk-ons. UCLA coach Ben Howland was true to his word in playing freshman guard Michael Roll a bit more in an attempt to spell Afflalo and Farmar. Afflalo earned a trip to the bench on his own accord in the first half with three fouls. That wasn’t a good thing for the Bruins because he was guarding all-everything Adams. Adams, however, was held to eight points on 4-for-7 shooting in the first half and 21 for the game. He averaged 28 points per game against the Washington schools. 160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set! TUCSON, Ariz.– UCLA came to the McKale Center banged up, bruised and winless in their last eight trips to the Arizona desert. They left bruised and battered, too. They also left with a win. center_img UCLA depended upon Arron Afflalo once again and had a solid team performance in a 85-79 win Thursday at McKale Center. UCLA’s rash of injuries didn’t change and even with point guard Jordan Farmar hobbling around, the 17th-ranked Bruins (12-2, 2-1 Pacific-10) still won. last_img read more

Read More →