Roman Ojala
Roman Ojala is an industry analyst at Callahan & Associates.
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 ...
Share Growth Slows In Lockstep With Personal Savings Rate
Annual share growth has slowed for seven straight quarters, mirroring the decline in the personal savings rate.
Which Credit Unions Top The Chart In Average Member Relationship?
The ability to expand existing member relationships is a strong foundation for any growth strategy.
Will Tax Refunds Relieve Liquidity Fears?
Tax refunds typically underpin share growth in the first quarter; this year, these deposits are especially welcome.
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.