Andrew Lepczyk
Andrew Lepczyk is an industry analyst with Callahan & Associates. Andrew leverages analytics tools and market data to help credit unions improve. He has previously worked in corporate governance research and holds a bachelor’s degree from the University of South Carolina and a master’s degree in international economics from American University.
Digital Assets Are Coming For Payments. Are Credit Unions Ready?
McKinsey projects trillions of dollars in growth across digital assets, with money movement emerging as one of the biggest opportunities.
Stable Economy. Strained Households.
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 ...
AI Adoption Is Growing. Are Credit Unions Keeping Pace?
New data from Gallup shows half of all employees who work for companies that pay for AI tools use them. Credit unions are building their ...
How Today’s Market Is Stress-Testing Credit Union And Bank Earnings Models
Credit union and bank earnings reflect different business objectives. Those differences matter for how financial institutions serve their markets.
How Inflation Changed Credit Union Member Behavior
Inflation has cooled, but its aftereffects still shape how credit union members spend, save, borrow, and relate to their credit union.
How Prepared Are U.S. Workers For Retirement? The Answer Is, ‘Not Well.’
Data from Vanguard shows retirement preparation declines with age, leaving no generation fully ready. The gap presents both a challenge and an opportunity for credit ...
Asset Quality Takes An Uncomfortable Turn In 2025
Credit union asset quality didn’t collapse in 2025 — but it didn’t cooperate, either. What’s going on, and are credit unions prepared to respond in ...
What Is The K-Shaped Economy And What Can Credit Unions Do About It?
The gulf between the haves and the have-nots has widened in recent years. Credit unions can help members catch up.
5 Takeaways From Trendwatch 4Q25
As the Federal Reserve cuts interest rates, credit unions are adapting in tandem, balancing membership needs with asset quality. This balance will be one of ...
When Members Don’t Turn To FIs, They Turn To Friends And Family
Financial advice comes in many forms. How can credits union make sure they are the No. 1 choice for their members?