Preparing for and Adapting to a Rapidly Changing Market
Tower Federal Credit Union did not see the Refi Boom coming, but they were ready for it when it came.
Tower Federal Credit Union did not see the Refi Boom coming, but they were ready for it when it came.
Arizona is one of the hardest hit regions by the mortgage crisis and subsequent economic downturn. In response, Arizona State Credit Union ($1.34B, Phoenix, AZ) is doing what it can to assist members, individually and collectively.
While many credit unions have been increasing their dealer networks in response to current struggles in the automotive market, Digital FCU has found success by scaling back the number of dealerships the credit union works with.
Taking a wide as well as a close view of what credit unions could be doing to survive and thrive.
Erie FCU incorporates their personal financial education curriculum with youth accounts to yield promising results.
Ohio Healthcare FCU has been capitalizing on current market conditions to grow their auto loan portfolio despite being a smaller credit union without an indirect loan portfolio.
Baxter Credit Union sharpens focus on partnering with employer groups.
One-on-one conversations between members and Delta Community’s “home loan specialists” helps strengthen member relationships with the credit union.
Local Government FCU is using creative means for making itself an integral part of its FOM, local government and their employees in North Carolina.
Over the past 15 years, Visions Federal Credit Union has coped with an extended local recession and a “500 year” flood. But through these difficulties, the credit union, its members and the larger economy have forged stronger ties that can weather any storm.

The annual conference offered insights on why service organizations remain a strategic asset for credit unions and how collaboration, AI, and advocacy are shaping what comes next.

Alltru FCU stopped treating education as the end goal. Now, financial empowerment guides product design, access, and risk decisions.

More than 50 million U.S. households earn less than the minimum average income needed to cover basic costs of living.

Automatic enrollment and community partnerships help the credit union foundation expand access to early savings for underserved families.

Studies show credit card debt and Buy Now, Pay Later usage continue to rise. Bigger increases could be around the corner.

The credit union completed a three acre headquarters campus in 2021 that offers 52% more space while consuming a fraction of the resources. It’s a model of how cooperatives can lead on sustainability without sacrificing performance.

CDFI credit unions might be fewer in number, but their impact reaches millions of members, and their footprint highlights how targeted mission can translate into broad, measurable reach.

Preventable fraud losses quietly erode credit union margins. The difference between a 25% and 6% loss rate isn’t risk. It’s execution.

Holy Rosary Credit Union has embedded itself into a local high school’s career and technical education program, offering scholarships, internships, and courses eligible for college credit.

Credit union leaders want to know where peers are placing their focus. These six priorities reflect how leadership teams are responding to change with intention and clarity.