Roman Ojala
Roman Ojala is an industry analyst at Callahan & Associates.

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.
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.
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.
5 Key Takeaways From Trendwatch 3Q 2022
Lending was the theme of the third quarter as the economic environment undergoes a complete reversal.
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.
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.
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?
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.
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.
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?