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This Fourth of July, Callahan & Associates is celebrating patriotically named credit unions with a look at how they return value to their member-owners.
At year-end, balances, utilization, and credit quality tell the story of cards at cooperatives.
The worlds of social media and search are ever-changing. Below, we've highlighted some of the most groundbreaking updates from 2019 that may impact your credit union's 2020 strategy.
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A decade-long, side-by-side snapshot reveals how the credit union landscape has changed from the tail end of the Great Recession to today.
This Veterans Day, see how military credit unions stack up to the industry as a whole.
Total assets at credit unions reached a record high of $1.5 trillion at year-end despite a drop in the number of institutions.
Credit unions increased member value through lending, savings, community support, and more.
The economic landscape looks much different today than it did 10 years ago. How have credit unions navigated the changes in the larger economy?
Low-income credit unions from 42 states and the District of Columbia received grants from the NCUA this year. Where did the money go?
Better understand how to serve different generations with this guide from Callahan & Associates.
Different generations require different conversations. This interactive series shows how credit unions can serve all ages.
See how money in the movement has shifted in the past 10 years in this interactive graphic from Callahan & Associates.
How has the credit union auto loan portfolio changed over the past 20 years? Take this interactive infographic on a test drive to learn more.
Secondary capital supports lending and financial services as well as buffers against the impact of potential losses. But how much do credit unions use it?
The credit union industry is full of acronyms. Use this guide to learn the lingo.
The confluence of technology, research, capital, and optimism has given rise to a frenetic pace of innovation.These four will have far-reaching effects on credit unions everywhere. Part 4: The gig economy.
Total assets at credit unions reached a record high of $1.4 trillion at year-end despite a drop in the number of institutions.
The confluence of technology, research, capital, and optimism has given rise to a frenetic pace of innovation.These four will have far-reaching effects on credit unions everywhere. Part 3: Workforce automation.
The credit union industry's impressive growth in 2017 sets the tone for a remarkable 2018.
Lending, savings, community support, and more. Credit unions had a busy year.
The confluence of technology, research, capital, and optimism has given rise to a frenetic pace of innovation.These four will have far-reaching effects on credit unions everywhere. Part 2: Autonomous Vehicles In A Connected World.
Is a digital footprint really that important? You bet your bottom dollar.
Growth percentiles in major lending categories highlight opportunity and success in the credit union loan portfolio.
The confluence of technology, research, capital, and optimism has given rise to a frenetic pace of innovation.These four will have far-reaching effects on credit unions everywhere. Part 1: Blockchain.
HSAs give members a way to save for medical expenses and credit unions the potential to increase share growth.
These ratios help credit unions deliver excellent member value while also maintaining productive and efficient operations. Operational strategy impacts productivity and efficiency metrics. It’s important for credit unions to strike the right balance for their strategy while bearing in mind national averages.
Third quarter data reveals a colorful mix of performance across the country.
Credit card lending among credit unions is growing and reaching more members. To develop a successful credit card program at your credit union, pay attention to these key metrics.
The world is moving toward a completely digital environment. Understanding a credit union's digital penetration is crucial to building a strong marketing and communications strategy.
Contextualizing costs based on location can make a big difference when analyzing the bottom line.
Loan delinquency has been steadied by a balancing act between rising consumer and falling real estate loan delinquency.
Online shoe retailer Zappos energizes, rewards, and celebrates employees. Steal these ideas to increase employee engagement and satisfaction at any credit union.
Analytics and technology are supporting a new wave of automated compliance and risk decisioning. Is your credit union ready to take the leap?
Credit unions lent $461.2 billion throughout 2016, surpassing 2015 totals by 12.3%. See how top, middle, and lagging performers differed.
Cybersecurity is a leadership issue but requires action from the entire enterprise.
What electronic services do credit unions offer?
Low-income credit unions from 41 states, the District of Columbia, Puerto Rico, and the Virgin Islands received grant awards last year. How much did they receive? And where did the money go?
Credit unions originated $343.6 billion through third quarter 2016 — that's an all-time record. See which areas contributed to this double-digit year-over-year growth.
If credit unions continue on their current path, will they be able to fund future loans solely through share growth?
The national average for each of these six mighty metrics is less than 10 percentage points, but even a change of a few basis points can make a big difference to a credit union.
Credit unions have ramped up marketing efforts and are reaping the benefits.
One asset-based peer group is 2.5 times more likely to convert core processors than other peer groups. Which one is it?
HMDA data reveals who is, and who isn't, taking out mortgages.
Check out how the credit union loan portfolio fared in the first six months of 2016.
While home equity lines of credit and second mortgages account for a smaller portion of real estate loans, consumers are using them to a great extent.
Which 10 credit unions top the origination list in MortgageAnalyzer?
How credit unions, assets, and member relationships have evolved the past decade and a half.
How do credit unions in the Buckeye State stack up against regional peers?
Which 10 credit unions top the list for largest branching network?
How do financial cooperatives in the Lone Star State stack up against other credit unions?
Five graphs show how technology offers a competitive advantage.
Credit unions step up to empower members with responsible student lending options.
In July 2016, Callahan & Associates surveyed 170 credit union executives from 40 states to gain insight into their current and emerging sources of non-interest income.
Credit unions are serving members better than ever before, and these three graphs show just how much ground the cooperative industry has gained.
As strategic planning season rolls in, consider what metrics will showcase the credit union to members, the board, and the community.
Strategies to help credit unions increase their social media presence.
Retailers use sight, sound, smell, taste, and touch to their advantage every day. Credit unions can do the same.
Enlisting the support of a third-party service provider can be a major boon for a credit union's member service and bottom line. But determining whether a partner will be a good fit can be a difficult decision to make.
Apple Pay, Android Pay, and other mobile payments are part of a rapidly growing industry that credit unions cannot afford to miss out on.
Credit unions with strong technology offerings outperform their peers in growth, penetration, and average relationships.
The number of institutions has decreased even as the industry's total assets have grown. But what else has happened in the past 60 months?
Risk managers monitor disparate areas of the credit union. For key ratios to follow, start with the measures that correspond to the risk indicators outlined by the NCUA.
Results from the Callahan & Associates Training and Development Survey, completed by HR managers at credit unions nationwide, reveal how programs have adapted to changes in people, technology, and the industry.
The demand for member business loans and services is growing, and offering MBL options are one way to remain competitive in the financial industry.
Since the beginning of 2015, the NCUA placed a final ruling on 14 regulations. What are these regulations and how will they impact credit unions?
When implemented and maintained properly, credit union call centers can increase efficiency, reduce costs, and improve member satisfaction.
Here’s how CUSOs and sales to secondary markets affect non-interest income.
Spring is an excellent time to assess efficiency and clean up clutter to make way for new products and measures.
Which credit unions lead the industry in mortgage production growth? Find out in this Callahan & Associates leader table.
How do credit unions in Alabama stack up against the nation?
What credit unions top the charts for employee payout? Find out in this Callahan & Associates leader table.
Before year-end data closes the books on 2015, take a look at these successes in the credit union loan portfolio.
At which credit unions did employees post the highest gains in fourth quarter 2015? Find out in this leader table.
How much money did credit unions lend in 2015? How much loan interest did credit unions return to members? How many institutions offered financial education? All that and more in this year's report.
Adding 3.1 million members over 12 months, credit unions report the highest ever membership. Here are some of the leaders in overall membership.
In what areas of the loan portfolio are credit unions posting particularly stellar performance?
The largest and most diverse generation in the United States is challenging the status quo of financial institutions with its demand for convenience, expanded choice, and social responsibility.
We weren't afraid to ask. Results from the Callahan & Associates 2016 Supplier Market Share Guide: Credit Union Core Processors underscore an evolving space, with new offerings and providers popping up.
Why member experience is important (and how to manage complaints when experience falls short).
Credit unions received more than $50 million in grants over the past 12 months. Where did that money come from? And where is it going?
Results from a Callahan & Associates online poll show which lending models lead to higher credit union performance.
Credit unions are increasing their share of the shrinking mortgage market.
Members expect more options for technology and convenience than ever before. The power of mobile not only provides that for members but also helps credit unions reduce costs.
Positive employee interactions improve member service, promote organizational culture, and build stronger teams.
Credit unions broke deposit records during second quarter 2015. Which state led the nation? And how are credit unions doing it?
A 2015 Callahan & Associates survey of 466 credit union CEOs and CFOs reveals attitudes and activity surrounding patronage dividends.
What do they do? How much do they cost? What do those initials mean? All that and more in this CreditUnions.com Graphic Of The Week.
Selecting a third-party vendor can be a long, stressful, and confusing process, but the following steps will help any credit union establish beneficial supplier relationships.
Strong consumer and real estate lending helped credit union loan originations set a record midyear high.
How do young people communicate? What brands do they like? How can employers attract them? All this and more in this CreditUnions.com Graphic Of The Week.
Auto lending hit an all-time high in March 2015. What should credit unions know to keep up with the changing auto lending landscape? Find out in this graphic of the week.
As of March 31, 2015, natural person credit unions reported a total of $217.4 million in supplemental capital. What is this capital and where does it come from?
As former Campbell Soup CEO Doug Conant said, "To win in the marketplace you must first win in the workplace."
When done correctly, member onboarding can be an effective way to deepen financial relationships. These few simple steps can help any credit union better connect with its members.
Mobile banking convenience and smartphone prevalence is prompting more consumers to use mobile banking. See what they are doing in this week's graphic.
To buck the trend in rising merger rates, credit unions are developing innovative ways to operate independently.
Hard hit during the recession, the Sand States kickoff 2015 with a return to growth.
Today, 40% fewer credit unions offer member insurance than in 2011. That's an opportunity for credit unions to offer members a dependable product and peace of mind.
Millennials and new organizational structures are shaping the credit union industry for today and tomorrow.
Credit unions face the reality of a merger every year, so how are mergers reshaping the credit union landscape?
How would a bump in interest rates affect investments at U.S. credit unions?
This Graphic Of The Week offers five reasons to start benchmarking today and three strategies to make the most of benchmarking efforts.
Credit unions demonstrate a commitment to add numbers to their employee rosters and dollars to their employee salaries.
Marketing expenses, measurable goals, and more in this Graphic Of The Week.
Homeownership rates, origination volume, market share, and more in this Graphic Of The Week.
As a way to get rich quick, fraudsters are using payment card skimming devices to target the financial services industry.
Is the credit union footprint shrinking? Find out in this infographic.
News reports of an impending increase in the interest rate environment are widespread. These three graphs show whether credit unions are positioned to respond.
Seven graphics highlight where the credit union industry gained the most momentum during the past year.
These four performance metrics will help CFOs explain the business of credit unions and show how every employee helps the credit union achieve its goals.
Consumers expect a seamless, real-time, consistent, and engaging experience in all their banking channels.
This cheat sheet offers a visual breakdown of the meaning behind two often-confused metrics.
Credit cards are increasing in consumer popularity.
A pictorial peer group comparison illustrates how auto lending business models perform differently.
A look at the good (gym), the bad (traffic), and the just plain ugly (flu season) realities of the modern workplace to help credit unions build a better alternative for their employees.
Better benchmark and enhance your ALM strategy
Consumers that conduct their financial business with credit unions rather than banks enjoy an annual benefit of $69 per member, or $131 per household, CUNA estimates.
Business lending is playing a larger role at credit unions and accounts for 6.4% of the industry's loan portfolio.
The core processing marketplace is evolving as providers work to to obtain and retain market share.
A great annual report goes beyond financial reporting and creates a sense of ownership, urgency, and belonging among members.
Mergers are a fact of life, so here's a timeline of industry trends and notable mergers.
Truths about credit scores and tips on how to improve them.
HMDA data breaks down industry trends and spotlights areas of local opportunity.
Young adults are faced with challenges in today's competitive economy.
Cooperatives are impacting the world economy on a larger scale
Credit unions across the United States are capturing market and expanding branch networks.
Americans are graduating from high school in larger numbers and continuing on with their education.
Changing market conditions make employee productivity more important than ever.
A variety of special services help struggling members get into the financial groove.
Whether you consider them partners or competitors, nontraditional financial services providers are challenging the established order.
The pace of credit union mergers has picked up, but the average size of merging credit unions has fallen.
Credit unions are modifying loans to help members in financial distress.
Charter changes and laser-focused community building demonstrate two different ways to entice members to join the credit union fold.
Growth in core deposits underscores members' trust in credit unions.
Credit unions are benefitting from the low rates and improved confidence that are prompting consumers to purchase cars.
Investments in human capital and employee engagement help credit unions step apart from the pack.
Marketing budgets took a hit during the Great Recession. Now, credit unions are concentrating on getting more bang for their marketing bucks.
Nearly 30% of households in the United States are un- or underbanked. This is not a segment to dismiss.
Credit unions offer several ways to make banking with the institution easier.
Credit union members are using more products than they were one year ago.
A growing credit union workforce comes with a higher price tag for staff turnover.
Across all industries, companies move toward automation and home-based agents.
As fewer first-time buyers purchase homes, more credit unions help them navigate the process.
A touch of tech savvy helps even small credit unions outperform their larger peers.
Not all credit unions need economies of scale to make a big impact.
Consumers who think credit unions offer only standard loans should check out the interesting options available across the United States.
Balances, market share, and transaction volume are all on the rise.
With NCUA’s proposed risk-based capital rule, banks come out on top.
Two state leader tables show a link between employment and productivity trends.
Credit unions have steadily changed and grown over the past 20 years.
Credit unions can establish an appropriate industry benchmark by comparing key financial ratios against their bank competitors.
Credit union mortgage market share increased over the past few years as refinancings rose during the low-rate environment.
A look at the top 10 core providers by market share. Plus, industry consolidations — is less really more?
An at-a-glance look at how credit unions impacted their communities and consumers in 2013.
A quick look at the latest trends in productivity at credit unions.
An at-a-glance look at what’s happening in the investment portfolio of credit unions.
An at-a-glance look at what’s happening with loan originations and the loan portfolio.
An at-a-glance look at capital levels, earnings, and expenses at credit unions.
Takeaways from Callahan's 2013 Technology Priorities Survey.
An at-a-glance look at share draft penetration, average member relationship, average balances and more.
An at-a-glance look at credit card penetration, average balance, outstanding balances, and more.