Slicing A Mortgage Metric And Managing Liquidity

Five can’t-miss data points this week on

This week slices one mortgage metric six ways, shows how to generate income through a FHLB arbitrage program, offers best practices for rising up Yelp’s search algorithm, and more.

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


The number of mortgage originations by credit unions increased 15.4% year-over-year, according to recently released HMDA data. And although credit union origination market share dropped 14 basis points from the year prior, in human impact, those originations represent 758,762 new mortgage loans funded by the cooperative industry.

Read more in 1 Mortgage Metric Sliced 6 Ways (Part 1).


Kane County Teachers Credit Union makes approximately $12,000 a month through a Federal Home Loan Bank arbitrage program created to manage liquidity and risk that also lets participants generate income. How? KCT borrows about $70 million at a time from the FHLB, typically overnight, puts the cash in a Fed account and makes a bit of cash each time from the spread.

Learn more about the strategy in How To Turn $70 Million A Night Into $12,000 A Month. ContentMiddleAd


For the past 18 months, Financial Partners Credit Union has focused on moving up Yelp’s search algorithm. The credit union runs an individual Yelp page for each of its branches, and encourages member’s to check-in and leave a review whenever they visit these locations. So far, so good.

Learn more in How Yelp Can Help Credit Unions Get Noticed.


Strong share growth at U.S. credit unions continued into the second quarter of 2017. Annual growth at mid-year topped 8.1%. That’s 16 basis points higher than the second quarter of 2016.

For a deeper dive into this side of the balance sheet, read Shares By The Numbers.


It’s well documented that nearly 50% of millennials are willing to switch financial institutions if given a good reason. So what’s a good reason?

In 3 Ways Financial Institutions Are Getting Millennials Wrong, we uncover three key pain points millennials have with financial institutions, and ways to overcome them.

Happy Reading!

November 6, 2017

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