Bank and Credit Unions
Earnings and Capital
Economic Engines
Interest Margin
Odds and Ends
100
This is the two groups that stock owned banks serve
What are customers and shareholders
100
This is the difference between Assets (stuff we own) and Liabilities (stuff we owe).
What is Capital
100
This is UWCU's primary economic engine
What is margin management
100
This is the formula for calculating interest margin. Hint X-Y = Interest Margin
What is Interest Income (x) - Interest Expense (y)
100
This is the amount of time the average American will spend waiting at red lights during their lifetime.
What is: A. 2 Months B. 6 Months C. 1 year
200
This is the primary responsiblity of a stock owned company
What is to maximize returns to shareholders
200
This is the minimum level of capital required by our regulators. (x%)
What is 7%
200
This is the secondary economic engine of UWCU
What is Non Interest Income Management
200
This is what we call it when interest income is decreasing and interest expense cannot decrease any further.
What is margin compression
200
This is the only continent without any reptiles or snakes.
What is Antartica
300
This is the primary responsibility of a Credit Union
What is to promote thrift, credit at competitive rates and other financial services to its members.
300
This is the amount capital needs to grow if assets grow 10% to maintain the same capital ratio.
What is 10%
300
These are the other two economic engines that UWCU has not identified as a primary or secondary focus.
What are Operational Efficency and Relationship Management.
300
This was the destination of Clark W. Griswold and family in the original National Lampoons Family Vacation.
What is Wally World
400
This is the only way Credit Union's can currently increase capital
What is earnings
400
These are the two primary focuses of the margin management strategy for UWCU
What are effective margin management and member value through a frictionless service experience.
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