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INTEREST RATE ENVIRONMENT

  • Fed policy uncertainty and tariff impacts
  • Yield curve normalization: -35 to +50 basis points
  • CD composition shift: 13% to 28% of deposits
  • Credit unions adapting to "new normal"
  • Investment portfolios still 6-7% underwater
  • Examiner demands for enhanced stress testing
  • Cost vs. value of regulatory requests
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307 episodes