Trace Jerrett

Trace Jerrett is an Industry Analyst at Callahan & Associates.

Graph Of The Week

Two-Thirds Of U.S. Workers Want More Professional Growth Support

Gallup data shows employers aren’t engaging workers nearly as deeply as they would like.
Industry Insights

Interest Margins Are Up. ROA Is Not.

Rising interest rates helped credit unions boost margins in 2023; however, increased provisions ate into ROA.
Industry Insights

High Rates + Costly Assets = Slow Lending

Following years of elevated output, lending returned to historic norms in 2023.
Graph Of The Week

22% Of Americans Have No Emergency Savings

The average share balance per credit union member dropped more than $200 across 2023 as high inflation weakened savings.
Graph Of The Week

Does Service Suffer With A Smaller Branch Footprint?

A side-by-side look at the nationwide branch footprints of credit unions versus banks.
Graph Of The Week

Credit Union Revenue Hits $89 Billion

Higher interest rates in 2023 underpinned an increase in total revenue, which hit a record high in the third quarter.
Graph Of The Week

Tightening Liquidity Pushes Cooperatives To Slow Indirect Lending

Third quarter data highlights the dynamic between liquidity challenges and lending strategy.
Industry Insights

Navigating Asset Quality In A Slowing Economy

Delinquency in on the rise, but some areas of the loan portfolio are performing notably better than others.
Blogs

Have High Interest Rates Put A Dent In Housing Prices?

Surging interest rates historically have dampened homebuyer enthusiasm, but housing supply also is playing a role in today’s originations.
Blogs

Year-To-Date Loan Originations Drop From Last Year

Real estate and consumer originations are down substantially from recent record-setting levels; but pipelines remain fuller than pre-pandemic levels.
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