Mortgages, Autos, And Credit Cards, Oh My!

Five can’t-miss data points this week on

This week, tackles credit union lending from deep dives into the member business lending portfolio, to the exponential growth in loan participations. In addition, we identify four ways credit unions can build loyalty with credit cards and profile a credit union making auto loans through a credit score analysis program.

Here are five can’t-miss data points for the week:

$84 Million

Pioneer Federal Credit Union began its Credit Score Analysis program in January 2015. Since then, it has completed more than 5,000 credit reviews, gained 20,000 new members, and made nearly $84 million in direct auto loans.

See how in 30 Months. 20,000 New Members. $84 Million New Auto Loans.


A well-managed credit card program can support critical priorities, provide income, serve a variety of member expectations, and function as a lynchpin product that deepens member relationships. But to realize this potential, every credit union needs to match these benefits with the commitments it takes to be a successful issuer. So, what does it take to be successful? For starters, a razor-sharp focus on four key areas.

For more, read Loans That Build Loyalty.


Lenders categorize HMDA origination reporting based on loan type as well as loan purpose: whether for purchase, refinance, or home improvement. It is refinancing loans that account for the majority 49.5% of credit union mortgages nationally.

But to see how loan purpose breaks down across the five NCUA regions, read 1 Mortgage Metric Sliced 6 Ways (Part 3).

$65.7 Billion

Member business loans at credit unions expanded over the past 12 months, to $65.7 billion, and are one of the fastest-growing loan segments in the credit union loan portfolio.

Learn more about how this portfolio is constructed in Member Business Lending By The Numbers.

$26.4 Billion

Five years ago, U.S. credit unions had $2.5 billion in outstanding sold participation loans and $10.7 billion in purchased participation loans outstanding. At second quarter 2017, those numbers have risen sharply to $6.0 billion and $26.4 billion, respectively. In addition, sales into the secondary market remain dominant but relatively flat among America’s member-owned financial cooperatives.

What gives? Find out more in Participations Grow While Secondary Sales Slow.

Happy Reading!

November 13, 2017

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