This is a Breakout Session

Deposit flows are often unpredictable and typically rush in at a time when loan volume begins to fall. This creates various challenges for credit unions as earnings decline while the balance sheet swells, which typically results in net worth pressures.

Credit unions have several paths for overcoming net worth deterioration, and they all have pros and cons. Subordinated debt is a channel that many credit unions (not all) can consider to alleviate these pressures while simultaneously positioning the balance sheet for growth.

This presentation will discuss industry trends, challenges net worth deterioration creates, paths credit unions can take, and a business case review for subordinated debt.

CPE Credit Available For This Session

CPEGoWest Credit Union Association is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on accepting individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website:

This session is approved for CPE Credit. Learn more here.

Finance: This field of study encompasses specific financial management of an organization, including financial planning and analysis, asset management, buying and selling businesses, contracting goods and services, and foreign operations.
CPE Credit Offered: 1.0
Delivery Method: Group Live
Previous work experience and background knowledge are recommended.

Event Date / Time

October 4th from 11:30 am 12:30 pm


Room 201ABC
Spokane Convention Center


Mark DeBree
Managing Principal