Roman Ojala
Roman Ojala is an industry analyst at Callahan & Associates.
Share Growth Slows In Lockstep With Personal Savings Rate
Roman Ojala
May 8, 2023
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?
Roman Ojala
May 1, 2023
The ability to expand existing member relationships is a strong foundation for any growth strategy.
Will Tax Refunds Relieve Liquidity Fears?
Roman Ojala
April 10, 2023
Tax refunds typically underpin share growth in the first quarter; this year, these deposits are especially welcome.
Loan Loss Provisions Jumped By Triple Digits
Roman Ojala
February 13, 2023
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?
Roman Ojala
January 23, 2023
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
Roman Ojala
January 17, 2023
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
Roman Ojala
November 21, 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
Roman Ojala
October 31, 2022
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
Roman Ojala
October 10, 2022
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
Roman Ojala
September 12, 2022
Amid market volatility and ongoing loan demand, cash balances decreased nearly $66 billion. What else happened in the investment portfolio?