Credit Unions
When a credit union partners with Memphis Capital, the focus is typically on helping the credit union enhance its investment strategy, improve liquidity, and manage risk, all while maintaining the values and financial goals of serving its members. Here's how a credit union would do business with Memphis Capital:
Credit unions often originate government-backed SBA and USDA loans but may not want to hold the guaranteed portions on their balance sheets due to capital constraints or liquidity needs. Memphis Capital can purchase these government-guaranteed portions, allowing the credit union to free up capital while earning an immediate return. This helps credit unions manage liquidity while still supporting local businesses through loan origination.
As a trusted SBA-approved pool assembler, Memphis Capital provides credit unions with access to packaged SBA loan pools. These pools consist of multiple government-backed loans, offering credit unions a way to diversify their investment portfolios while maintaining a relatively low-risk profile. The stable, variable-rate nature of these loans can offer attractive returns without the burden of servicing individual loans.
Memphis Capital offers credit unions customized fixed-income solutions, including treasuries, bonds, and government-guaranteed loan securities. Credit unions, which traditionally prioritize conservative and low-risk investment strategies, benefit from Memphis Capital's expertise in tailoring fixed-income products that align with their financial goals and regulatory needs. These investments help credit unions preserve capital while earning steady returns.
Credit unions, like banks, need to optimize their balance sheets to manage interest rate risk, credit risk, and capital reserves. Memphis Capital offers credit unions tailored advice on asset allocation and risk management, helping them make the most of their available resources while staying compliant with regulatory requirements. By providing expertise in government-backed loan products and fixed-income securities, Memphis Capital helps credit unions achieve a balance between safety and growth.
Memphis Capital can help credit unions manage their liquidity needs by providing opportunities to trade government-guaranteed loan portions and access cash quickly. Credit unions that need to bolster liquidity for loan demand or member withdrawals can rely on Memphis Capital to provide structured financial solutions that protect their balance sheets while maintaining sufficient liquidity.
Memphis Capital works with credit unions as a trusted partner, offering long-term strategic guidance tailored to their unique business models. By aligning investment opportunities with the credit union's mission of serving its members, Memphis Capital helps credit unions improve financial performance while maintaining the high standards of service and integrity that credit unions are known.
Credit unions often prioritize investments that benefit their communities and members. By partnering with Memphis Capital, credit unions can invest in SBA and USDA loans that support local businesses and economic growth. These loans are government-guaranteed, providing both financial security and community impact—two core pillars of a credit union’s mission.
In summary, Memphis Capital provides credit unions with specialized financial solutions that help them optimize their investment strategies, manage risk, and improve liquidity, all while aligning with the values and goals of serving their members.
