Trace Jerrett
Trace Jerrett is an Industry Analyst at Callahan & Associates.
Rebranding Takes A Post-Pandemic Hit
Marketing spend is up since the onset of COVID-19, but fewer institutions are pursuing new identities, choosing instead to embrace familiarity.
Rising Interest Rates Are Good For Something
Revenue per member has soared despite an industrywide slowdown in membership growth.
7 Liquidity Trends From The First Quarter
Liquidity has been front of mind for credit union leaders in recent quarters as loan and share growth battle it out on the balance sheet.
When It Comes To Housing, Prices Are Outpacing Income
Census data shows credit unions have a lot of work in front of them to make housing affordable for members.
Where Are The Gaps In Financial Inclusion?
Marginalized communities are largely unbanked or underserved, but credit unions can bolster inclusivity and enhance the financial wellbeing of these groups.
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.
Interest Margins Are Up. ROA Is Not.
Rising interest rates helped credit unions boost margins in 2023; however, increased provisions ate into ROA.
High Rates + Costly Assets = Slow Lending
Following years of elevated output, lending returned to historic norms in 2023.
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.
Does Service Suffer With A Smaller Branch Footprint?
A side-by-side look at the nationwide branch footprints of credit unions versus banks.
