Roman Ojala

Roman Ojala is an industry analyst at Callahan & Associates.

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.


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?

Industry Insights

3 Investment Trends From The Fourth Quarter Of 2021

Credit unions are positioning their balance sheets to deliver greater yields as investment and lending conditions adapt to a late-pandemic environment.

Industry Insights

Credit Unions Have A Staffing Problem

The U.S. labor shortage is wreaking havoc on businesses. How is it impacting credit unions, and what are they doing about it?

Industry Insights

From Liquidity To Investments: Credit Unions Put Cash To Work

Deposits jumped $35.0 billion during the third quarter, and credit unions adjusted their investment portfolios to take advantage of the changing yield curve.

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