3 Lending Trends From The Third Quarter Of 2021
First mortgage and used auto dominate the loan portfolio, but commercial lending is hitting an all-time high.
First mortgage and used auto dominate the loan portfolio, but commercial lending is hitting an all-time high.
The reopening of local economies and the return of pre-pandemic consumer spending habits have mostly offset the role pandemic relief programs have played in recent growth. According to the New York Fed’s Center for Microeconomic Data, the number of credit inquiries have returned to 2019 levels. And thanks to additional post-CARES Act policies at federal
Knowledge is power, or at least innocence, when it comes to appraising collateral in commercial loan underwriting.
A focus on reining in costs and changing organizational culture have transformed the Ohio-based institution.
How residual based financing can help credit unions increase their auto loan volume.
Never look for a misplaced issue of Callahan’s Credit Union Strategy & Performance again. Downloadable PDF links are available for every issue going back to the pub’s beginning.
In today’s environment, credit unions will need to focus on modernizing their collection operations.
Top-Level Takeaways UNIFY Financial is the first credit union to offer transactional bitcoin support. The credit union worked closely with regulators and fintech partners on the launch. Product development is expected as the service matures. UNIFY Financial Credit Union ($3.6B, Torrance, CA), is leading the way into cryptocurrency, becoming the first credit union to allow members
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A Massachusetts cooperative shows what financial coaching looks like when it’s done the Workers way.

As Super Bowl LX nears, the Callahan Bowl prediction model says the Seahawks will see green en route to the Lombardi Trophy.

Lending is evolving, and credit unions are adapting. This week, CreditUnions.com examines how shifting economic conditions are reshaping lending strategies.

Affordability pressures, extended loan terms, and shifting vehicle values are forcing institutions to look beyond familiar structures and reconsider how to balance risk and return.

Credit unions are uniquely well-positioned to guide members through uncertainty and fill essential funding gaps.

A closer look at the trade-offs of mandated lower credit card rates reveals a delicate balance between portfolio health and member access.

A handful of regional credit unions pair up with the GoWest Foundation to offer 100% financing for eligible borrowers.

Learn how to identify, track, and manage four commercial lending exceptions to reduce risk, strengthen compliance, and streamline operations.

Declining savings rates and rising financial pressure are reshaping why members borrow, pushing credit unions to rethink lending strategies.

How can credit unions stay true to their mission while evolving to meet modern needs?

Ultra-low rates might feel like a boost to affordability, but they can create unintended challenges that ripple through housing markets, lenders, and the members credit unions serve.