Balance sheet strategy, capital market analysis, and AI insights for banks and credit unions — from the economists, technologists, and bankers behind Delfi.https://www.delfi.co/en-us© 2026 Delfi Labs Inc.https://www.delfi.co/blog/delfi-at-finovatefall-2026/https://www.delfi.co/blog/delfi-at-finovatefall-2026/Delfi demoed a new solution at FinovateFall 2026 that helps banks and credit unions unlock billions of dollars in untapped profits. Watch the seven-minute demo.Thu, 01 Oct 2026 00:00:00 GMT<p>Delfi demoed a new solution at FinovateFall 2026 that helps banks and credit unions unlock billions of dollars in untapped profits. Watch the seven-minute demo.</p><p><a href="https://www.delfi.co/blog/delfi-at-finovatefall-2026/">Read the full article</a></p>Product Newscontact@delfi.co (Joseph Ahn and Daniel Ahn)https://www.delfi.co/blog/fed-hike-bear-flattener-nim-eve/https://www.delfi.co/blog/fed-hike-bear-flattener-nim-eve/The Fed raised rates to 3.75–4% and signaled for more. The curve is bear-flattening, which squeezes margins and equity value at once.Fri, 18 Sep 2026 00:00:00 GMT<p><strong>Key takeaways</strong></p><ul><li>The Federal Reserve raised the federal funds target range to 3.75–4% on September 16, 2026, its first rate hike since 2023, and twelve officials project another quarter-point hike by year-end.</li><li>Treasury yields rose across the curve after the hike, with short rates rising more than long rates, a bear flattening move that left the 2s10s spread at about 25 basis points.</li><li>A bear flattener hurts liability-sensitive institutions twice: funding costs reprice upward immediately while fixed-rate assets keep earning yesterday's yields and lose market value.</li><li>In an illustrative Delfi Overwatch model of $100M in fixed-rate mortgages funded by floating-rate deposits, a 300 basis point bear flattener can turn both net interest margin and economic value of equity negative.</li></ul><p>The Fed raised rates to 3.75–4% and signaled for more. The curve is bear-flattening, which squeezes margins and equity value at once.</p><p><a href="https://www.delfi.co/blog/fed-hike-bear-flattener-nim-eve/">Read the full article</a></p>Fed PolicyInterest Rate RiskALMcontact@delfi.co (Alexander Demyanets)https://www.delfi.co/blog/september-2026-fomc-warsh-dilemma/https://www.delfi.co/blog/september-2026-fomc-warsh-dilemma/The 10-year Treasury has breached 5%, core inflation is rising and markets are expecting a hike. What a cornered Fed means for bank and credit union balance sheets.Tue, 15 Sep 2026 00:00:00 GMT<p><strong>Key takeaways</strong></p><ul><li>The 10-year Treasury yield has breached 5%, its highest level since 2007, while federal debt exceeds $40 trillion and core inflation is picking up.</li><li>Markets price a greater than 90% chance of a quarter-point Fed rate hike at the September 2026 FOMC meeting, leaving Chair Warsh to choose between Fed credibility and a president demanding lower borrowing costs.</li><li>Banks and credit unions should prepare for higher risk premiums and volatility by measuring how each rate path affects funding costs, asset values, liquidity and earnings.</li></ul><p>The 10-year Treasury has breached 5%, core inflation is rising and markets are expecting a hike. What a cornered Fed means for bank and credit union balance sheets.</p><p><a href="https://www.delfi.co/blog/september-2026-fomc-warsh-dilemma/">Read the full article</a></p>Fed PolicyInterest Rate RiskBalance Sheet Strategycontact@delfi.co (Alexander Demyanets)https://www.delfi.co/blog/introducing-delfi-insights/https://www.delfi.co/blog/introducing-delfi-insights/Delfi Insights is a new blog from Delfi's economists, AI technologists, and bankers—written for strategy, finance, and management teams at banks and credit unions.Tue, 08 Sep 2026 00:00:00 GMT<p><strong>Key takeaways</strong></p><ul><li>Delfi Insights publishes short, timely analysis about the forces shaping banks and credit unions, written by Delfi's economists, bankers, and technologists.</li><li>Delfi Insights also carries news about Delfi's product updates, namely Delfi Overwatch, its balance sheet management solution, and Delfi Exchange, its capital markets execution platform.</li></ul><p>Delfi Insights is a new blog from Delfi's economists, AI technologists, and bankers—written for strategy, finance, and management teams at banks and credit unions.</p><p><a href="https://www.delfi.co/blog/introducing-delfi-insights/">Read the full article</a></p>Product Newscontact@delfi.co (Daniel Ahn)