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In this episode of With Flying Colors, host Mark Treichel reconnects with Ryan Donovan, President and CEO of the Council of Federal Home Loan Banks (FHLB). Ryan returns to discuss the evolving role of the FHLB system, its relationship with credit unions, and how liquidity is much like oxygen—often unnoticed until it's urgently needed.

Ryan and Mark explore:

• The history and mission of the Federal Home Loan Bank system.
• How FHLB provides daily liquidity to its members and why it's a critical tool—not just in times of crisis.
• The difference between the FHLB system and the Federal Reserve as liquidity sources.
• How FHLB and credit unions are "cooperative cousins" working together to strengthen communities.
• The system's record-breaking $1.2 billion commitment to affordable housing initiatives.
• Director Bill Pulte's early signals and what his leadership at FHFA could mean for FHLB and the credit union system.
• Why credit unions, especially smaller ones, should consider joining the FHLB system to strengthen their balance sheets and enhance loan capacity.

Ryan also highlights recent research showing that FHLB membership helps credit unions grow faster, remain competitive, and support their members more effectively—all while maintaining safe and sound lending practices.

Key Takeaways:

• FHLB isn’t just a lender of last resort—it’s a daily liquidity partner.
• Affordable housing remains a priority, with FHLB surpassing its statutory requirements.
• Credit unions can amplify their impact by leveraging the FHLB system.
• Regulatory dynamics are shifting, but FHLB's mission remains steady: Keep liquidity flowing to local lenders.

Resources Mentioned:

• Council of Federal Home Loan Banks
• FHLB & Credit Union Liquidity Research by Filene Research Institute
• Follow Ryan Donovan on LinkedIn

Connect with Mark Treichel:

• LinkedIn: Mark Treichel
• Website: Credit Union Exam Solutions