Roman Ojala

Roman Ojala is an industry analyst at Callahan & Associates.

Graph Of The Week

Loan Loss Provisions Jumped By Triple Digits

Uncertainty surrounding the financial health of members pushed credit unions to set aside more money to cover loan losses in the fourth quarter.

Blogs

Are Credit Unions Heading Toward A Liquidity Crisis?

Sluggish share growth, record loan demand, and mounting unrealized losses on investment securities are putting pressure on liquidity across the industry.

Graph Of The Week

Overdraft Fees Jumped 18.1% Last Year

Tighter budgets and higher prices for consumer goods caused members to overdraft their accounts more frequently in the third quarter of 2022.

Industry Insights

5 Key Takeaways From Trendwatch 3Q 2022

Lending was the theme of the third quarter as the economic environment undergoes a complete reversal.

Blogs

It Takes Time For Loan Portfolios To Reprice

If history is a guide, the average yield on loans will take time to adjust to the sharp increases in the federal funds rate.

Graph Of The Week

Consumer Sentiment Slides Amid Recession Fears

High inflation and low unemployment are clashing, resulting in economic pessimism that hasn’t been seen in more than a decade.

Industry Insights

Cash At Credit Unions Declined 26% In The Second Quarter

Amid market volatility and ongoing loan demand, cash balances decreased nearly $66 billion. What else happened in the investment portfolio?

Industry Insights

What’s Next for the Housing Market?

The U.S. is experiencing a shortage of homes amid record demand, which is likely to have an impact on mortgage lending moving forward.

Graph Of The Week

Mortgage Slowdown Cuts Origination Fees In Half

Income from mortgage originations and servicing were down from one year ago following slowdowns in sales and refinancing.

Industry Insights

Callahan’s Guide To The 2022 Final Four

The sports analysts at Callahan & Associates wrap up March Madness with predictions based on credit union performance data. Which team will reign supreme?

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