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Three Impacts of a Cooling Housing Market

You have probably already started to feel it in your local markets. Six months ago, homes were being swept up within hours, or days of being listed, if they hit the market at all. Today, home values remain strong on paper, but they are being scooped up more slowly, indicative…
TTA-Admin
August 30, 2022
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The Economic Times, They Are A-Changin’

Recession or not, the times, they are a- changin’… From the COVID-19 pandemic, to Russia-Ukraine turmoil and everything in between it seems as if we are constantly speculating on what will be the catalyst that pushes us into the next recession. As it stands, many economists think the chances of a…
TTA-Admin
June 10, 2022
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Breaking Down the Drivers of Home Affordability

The cost of living is going up. The Bureau of Labor Statistics’ (BLS) April Consumer Price Index (CPI) rose 8.3% over the past year, higher than consensus estimates. From food, to energy, cars and shelter, no sector is safe from inflation. Higher prices doesn’t always mean less affordable, relatively speaking.…
TTA-Admin
June 1, 2022
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Revisiting NCUA Guidance on Supervision during the Coronavirus

As COVID-19 was causing widespread panic throughout United States, businesses were shuttered, threatening the financial security of our members. Answering the call, Credit Unions jumped into action aiding members. The NCUA and other regulatory bodies also jumped into action. On March 22, 2020, a memo was released suggesting widespread regulatory…
TTA-Admin
September 4, 2020
Uncategorized

The Dangers of Bias in Times of Uncertainty

We’re moving into a period of unprecedented uncertainty. A time in which our government has communicated its commitment to take a data driven approach to managing our health, economy and general well-being through the COVID-19 pandemic. It may be an understatement to say that there have been conflicting interpretations of…
TTA-Admin
May 7, 2020
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An Overview of Our Supplemental Analytics Procedures – COVID-19

We, along with all of you, have been closely following the developments around COVID-19 (coronavirus) and appreciate inquiries regarding how Twenty Twenty Analytics is preparing and responding, both operationally and through augmentation of our analytics strategy. Business Continuity Rest assured that Twenty Twenty Analytics’ Business Continuity Plan is up to…
TTA-Admin
March 17, 2020
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Preparing for Shifts in the Interest Rate Environment

The Federal Reserve decided to cut interest rates by 0.25 bps for a third time this year, a significant deviation from last year’s projections. As of September 2018 the fed funds actual range was between 2% and 2.25%. At that time, the median projection of benchmark rates from the Federal…
TTA-Admin
November 8, 2019
Uncategorized

Indirect Lending – Boon or Bust?

When done well, indirect lending can be an important and profitable source of growth for your auto portfolio. However, if done improperly, you might wind up making more truck loans, without the corresponding truckload of money you think they are delivering. Without proper oversight, indirect lending can have tight margins…
TTA-Admin
July 10, 2018

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