Trace Jerrett
Trace Jerrett is an Industry Analyst at Callahan & Associates.
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.
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.
Tightening Liquidity Pushes Cooperatives To Slow Indirect Lending
Third quarter data highlights the dynamic between liquidity challenges and lending strategy.
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.
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.
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.
Credit Card Spending Rebounds. Penetration Holds Steady.
Credit union members are more willing to pull out their plastic post-pandemic, but the industry can still gain ground with wallet share.
5 Takeaways From Trendwatch 2Q 2023
With liquidity still a top concern, credit unions are shifting their focus to find more ways to draw in additional sources of funding.
Loan Delinquency Rates Take Divergent Paths Amid Uncertain Economy
Credit card delinquencies have reached a post-recession high; meanwhile, first mortgage delinquencies have hit an all-time low. What gives?