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.
The cost of manufactured homes has increased even faster than that of traditional houses. That can affect members’ ability to qualify for and repay those loans.
Two programs for aspiring volunteers are building a steady pipeline of ready-to-step-in leaders that trickles up to the director level.
Credit unions are making decisions about where to build, invest, and partner as they balance today’s priorities with tomorrow’s opportunities.
Industry leaders share how they approach fintech investment, balancing immediate needs with longer-term bets while keeping member value and mission at the center.
Credit unions that enable seamless movement between fiat and digital assets position themselves as a trusted on- and off-ramp.
The credit unions that win the next generation will be the ones that showed up early, when young members were forming habits and deciding whom to trust.
The challenge is no longer whether to adopt AI, but how to adopt it responsibly with the right governance, the right partners, and the right balance between technology and human oversight.
McKinsey projects trillions of dollars in growth across digital assets, with money movement emerging as one of the biggest opportunities.
The Indiana cooperative blends internal development with selective partnerships to meet members’ needs today now while positioning for what’s next.
The San Diego cooperative leans on its CUSO and the CURQL network to make fintech investments, but member needs still guide which solutions ultimately make it into the credit union’s operations.
Hands-on work with artificial intelligence tools is future-proofing staff members, giving them the confidence to adopt new technology and embrace efficiencies.
Wages briefly caught up with inflation, but rising costs have pushed them back into negative territory. Here’s what that shift means for member finances and credit union performance.