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Squeezing the Liquidity Lemon: Presentation + Discussion

Wednesday, July 12, 2023 // 1:00 p.m. CT

All sessions are recorded and posted to our archive under the Resources dropdown within a couple business days. Use the handy filters to sort by Council and/or content type.

During these uncertain times, credit unions are leaving no stone unturned looking for liquidity. Join an expert from Darling Consulting as he speaks to ways to wring every last drop from your balance sheet. Then join in a robust live discussion on unique ways Finance Council members are addressing this challenge. Bring your best ideas and be prepared to share!

Areas the presentation will focus on, to be followed by discussion:

  • Impact of large bank failures on risk management expectations
  • Understanding the true marginal cost of funds on deposit decisions
  • Deposit pricing ideas in an ultra-competitive environment
  • Ensuring you have the appropriate (and not too stringent) policies

Meet Your Speakers

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Joe Kennerson Joe Kennerson

Managing Director

Darling Consulting

Joe is a Managing Director at Darling Consulting Group, where he works directly with senior management teams on building customized balance sheet strategies to improve earnings and manage risk. Joe strives to be an expert in overall Asset Liability Management and educates ALCOs in the inevitable balance of financial performance and regulatory appeasement. Joe speaks at numerous industry associations reaching thousands of bankers every year. He is an expert at helping bring clarity to the complex and delivers a high level of energy to his ALM presentations.

Joe has been with DCG since 2005, where he has benefited from working with nearly a thousand ALCOs throughout the country on ALM and strategic initiatives. He lives in Boxford, MA with his wife and two daughters and has been an active member of the Big Brothers Big Sisters program. Joe is a graduate of the University of New Hampshire with a degree in finance.

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Tom Kuslikus Tom Kuslikus


Michigan State FCU

Tom Kuslikis joined University of Michigan Credit Union (UMCU) in 2013 and currently serves as its VP of Accounting and Finance/ CFO. He also serves on the NAFCU’s CFO steering committee, is a committee member with the Finance Council’s member resources committee and is the secretary for the Michigan Credit Union League’s Metro West Chapter of Credit Unions. Tom also enjoys giving back to the community through service as board trustee and finance committee member with Girl Scouts Heart of Michigan and the Ann Arbor Rotary Chapter.

Tom holds a Bachelor of Science in Accounting and Business from Aquinas College (Grand Rapids, MI), an Master of Business Administration from University of Michigan and is working on a Doctorate of Business Administration and Leadership from Liberty University. He also holds a variety of professional licenses and certifications including the CPA, CGMA and the CIA.

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