Roman Ojala
Roman Ojala is an industry analyst at Callahan & Associates.
Credit Unions Are Poised For Resilience Despite Challenges
Credit union revenue surged amid rising interest rates but is now facing headwinds as loan growth slows, expenses climb, and asset quality weakens — making ...
Balance Sheet Flexibility Is Top Of Mind For Credit Unions
After adjusting to a new normal following a slew of rate increases, repricing opportunities could be on the horizon.
5 Graphs That Explain Today’s Investment Portfolio
Credit unions are reigniting investment strategies amid rate shifts and slowing loan demand.
Originations Slide As Lenders Tighten Underwriting
The Federal Reserve is projected to cut rates several times in 2024; however, soaring prices and dwindling savings still leave Americans with little incentive to ...
Think AI Is Big Now? Give It A Year.
A report from the MIT Technology Review indicates artificial intelligence usage across multiple business sectors is poised to explode by the end of 2025.
Investments Offer A Glimmer Of Hope For Liquidity
The average time to maturity of investment portfolios shortened in the third quarter, a positive sign for credit union liquidity.
Overdraft Fees Weigh On Members In The Second Quarter
Rising expenses caused members to pay more in non-sufficient funds and overdraft fees in the second quarter, but it varies by region.
Top-Line Revenue Expands At U.S. Credit Unions
Credit unions added high-yielding loans to their balance sheets during the second quarter; however, higher funding costs offset some of these gains.
Get Ready For The Student Loan Payments Pinch
Federal student loan payments resume in October, increasing the monthly debt load by hundreds of dollars for many borrowers.
The Impact Of Higher Rates On Credit Union Earnings
As credit unions repriced their asset portfolios, higher loan and investment yields bolstered margins and revenue. However, stiff competition for liquidity increased the cost of ...