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.

Chiefs Or 49ers? Callahan Bowl XVIII Digs Into The Data.
Andrew Lepczyk
February 5, 2024
The Lombardi Trophy is once again up for grabs, and credit union data can help determine this year’s Super Bowl winner.
Employee Discounts And Loan Perks At U.S. Credit Unions
Andrew Lepczyk
February 5, 2024
A new survey from Callahan & Associates sheds light on who’s offering discounts and which employees get them.
Indirect Delinquency Continues To Outpace Direct
Andrew Lepczyk
January 29, 2024
Loans sourced from third parties helped credit unions make up for plummeting originations and foot traffic during the COVID-19 pandemic, but the strategy has presented ...
5 Takeaways From Trendwatch 3Q 2023
Andrew Lepczyk
November 13, 2023
Credit union performance in the third quarter echoed that of the second, with continued tightening of liquidity, diminishing ROA, and deteriorating asset quality.
Different Incomes. Different Needs.
Andrew Lepczyk
November 6, 2023
An analysis of loan portfolios for credit unions with and without a low-income designation illustrates how consumers’ income levels impact borrowing.
Credit Union Performance Extends Beyond The Balance Sheet
Andrew Lepczyk
October 30, 2023
A look at how broad economic trends are impacting the bottom line at credit unions.
Callahan’s Guide To The 2023 World Series
Andrew Lepczyk
October 27, 2023
Will it be the D-Backs or Rangers in this year's Fall Classic? Callahan's credit union data could have the answer.
Consumers Give The Economy Two Thumbs Down
Andrew Lepczyk
October 17, 2023
Increased pessimism — and credit card balances — present credit unions with the opportunity to help members improve their financial wellbeing.
Deposits Remain The Foundation Of The Member-Credit Union Relationship.
Andrew Lepczyk
October 16, 2023
Cooperatives would do well to educate and support their members through budgeting and savings plans to foster financial stability throughout the community.
Member Dividends Reach 14-Year High
Andrew Lepczyk
October 16, 2023
Strong certificate demand and higher cost of funds boosted annual dividends per member to $153 in the second quarter. What’s happening in other member engagement ...