Roman Ojala
Roman Ojala is an industry analyst at Callahan & Associates.
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 ...
Auto Lending Surges As Other Categories Stall
Credit unions increased market share for auto originations in the first quarter, but that wasn't true across the board.
How Did First Quarter Economic Trends Impact Credit Unions?
Inflation eased, and GDP was better than expected, but widespread uncertainty has members seeking financial stability.
Mortgage Originations Drop. Market Share Remains Flat.
Credit union mortgage market share is largely unchanged from one year ago; however, the percentage of adjustable-rate loans has jumped substantially.
Credit Union Liquidity Profile By State
The failure of First Republic Bank in early May has consumers worried about liquidity in the financial system. Here’s where credit unions landed at year-end ...