Press Releases 

Moebs $ervices has been featured in several prestigious periodicals such as:

The New York Times, USA Today - Money, ABC News, The Washington Post,
The Wall Street Journal, DowJones, Bloomberg.com, Chicago Tribune,
New York Post, CNN.com, CNNMoney.com, charlotteobserver.com,
American Banker, Credit Union Times, and US Banker.

Moebs and Moebs Services are the servicemarks of and this work is Copyright © 2015 by Moebs $ervices, Inc. All Rights Reserved. Use of a copyright protected work may constitute copyright infringement for which civil damages, attorneys fees, and criminal penalties may be sought. Please contact Moebs Services for written permission prior to any use or publication of portions of the work.



Lake Forest, IL (November 30, 2015)
When Cam Fine and Barney Frank determined where the line should be drawn between Main Street and Wall Street Banks and other financial institutions, little did they know they were close to the Economy of Scale in U.S. Banking.

Main Street Financial Institutions (FI) of all types: Banks, Credit Unions, or Thrifts with assets between $5 Billion and $10 Billion are best at controlling expense and achieving Economy of Scale, according to Moebs $ervices Studies.

“The Economy of Scale has eluded economists since Adam Smith. In his ‘Wealth of Nations’ Adam Smith identified a savings is gained in the production of pins using four workers with division of labor instead of one,” notes Michael Moebs, Economist & CEO, of Moebs Services – an economic research firm. Moebs Services has developed an algorithm to identify Depository Economy of Scale by examining expenses.

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Lake Forest, IL (November 4, 2015)
The key financial service is Checking. Who’s the Best at Checking in the Credit Union Movement? Moebs Services, an economic research firm, conducted a study of 6,284 Credit Unions from 2nd Quarter 2015 call reports to find out who is the best at providing Checking.

Results are based on who has the most profitable checking portfolio, who has the highest checking penetration, and who does the best job of cross- selling other services. Moebs Services designed the Best in Checking Study to reflect the transaction account of the future. “We wanted to identify those CUs who are currently operating at the year 2020” says Mike Moebs.

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Lake Forest, IL (September 22, 2015)
Overdraft Revenue for the second quarter of 2015 grew $1.7 Billion over the first quarter of 2015... READ THE FULL ARTICLE
  

Lake Forest, IL (September 9, 2015)
G. Michael Moebs, economist, has written 5 books on pricing. His survey work using over 2,800 Credit Unions, Thrifts and Banks has established benchmarks for several decades in the pricing of deposits and loans in financial services. He has taught a pricing course at 11 universities and colleges over the past 25 years. His pricing advice is or has been sought by governments and financial institutions in North America, Central America, Europe, Africa, Australia and Asia. READ FULL ARTICLE
  

Lake Forest, IL (June 23, 2015)
Average balances in consumer checking accounts have an inverse relationship to the economy. Moebs Services Study on Checking Accounts reports that since 1994 high balances in consumer checking correlate to difficult economic times. The opposite is also true: low average consumer balances signal good economic times. READ FULL ARTICLE
  

Lake Forest, IL (June 18, 2015)
“Between a rock and a hard place” accurately captures the position of today’s Fed. Increase interest rates and you have higher prices chasing fewer dollars, or inflation. Increase the Money Supply, which increases employment and output, but at a price regulators, investors, politicians and consumers won’t pay today. Do nothing is an option: don’t raise interest rates and leave Money Supply the way it is. READ FULL ARTICLE
  

Lake Forest, IL (June 16, 2015)
Macro economists worth their salt know the American Consumer controls 70% of GDP. 1st Quarter Gross Domestic Product (GDP), as reported by the U.S. Department of Commerce Bureau of Economic Analysis, was down 0.7%, as was Cost of Living for the first time in many quarters. Consumers reduced their use of Overdrafts (ODs) as Overdraft Revenue dropped 3.8%. READ FULL ARTICLE
  

Lake Forest, IL (March 31, 2015)
Taking into account all 13,077 Depositories, Financial Institutions’ 2014 Net Operating Income, as a percent of Assets, dropped 6.8% from Y/E 2013. Net Interest Margin was down, but this was fully offset by reduced Expenses. The significant change was the substantial loss of Fee Revenue – down 7.1% year over year. READ FULL ARTICLE
  


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