Disruptor, Disrupted: The Choice Is Yours
Credit unions appear to be taking divergent paths, but will mission trump “bank lite” as the year unfolds?
Credit unions appear to be taking divergent paths, but will mission trump “bank lite” as the year unfolds?
Growth in consumer credit has sparked concern about credit quality. How will credit unions know when it’s really time to worry?
When employees prioritize what is best for the member, they demonstrate the cooperative difference.
Does the Fed still matter to bond traders?
Will the health care bill make it to the floor? And how will the market respond to Congressional pressuring?
Why the merger system is too rigged for “insider gains.”
The debate over credit union mergers should be about engaging member-owners as much as throwing shade at sales jobs by self-serving insiders.
Bond traders responded fervently to yesterday’s rate hike.
A focus on aspirations and results trumps obsessing about weaknesses and threats.
Last week’s Dow rally fades into memory as the market looks for additional positive reinforcement.

Alltru FCU stopped treating education as the end goal. Now, financial empowerment guides product design, access, and risk decisions.

More than 50 million U.S. households earn less than the minimum average income needed to cover basic costs of living.

Automatic enrollment and community partnerships help the credit union foundation expand access to early savings for underserved families.

Studies show credit card debt and Buy Now, Pay Later usage continue to rise. Bigger increases could be around the corner.

The credit union completed a three acre headquarters campus in 2021 that offers 52% more space while consuming a fraction of the resources. It’s a model of how cooperatives can lead on sustainability without sacrificing performance.

CDFI credit unions might be fewer in number, but their impact reaches millions of members, and their footprint highlights how targeted mission can translate into broad, measurable reach.

Preventable fraud losses quietly erode credit union margins. The difference between a 25% and 6% loss rate isn’t risk. It’s execution.

Holy Rosary Credit Union has embedded itself into a local high school’s career and technical education program, offering scholarships, internships, and courses eligible for college credit.

Credit union leaders want to know where peers are placing their focus. These six priorities reflect how leadership teams are responding to change with intention and clarity.

As margin support begins to fade, earnings performance is becoming more sensitive to revenue mix and harder to interpret through public reporting alone.
Disruptor, Disrupted: The Choice Is Yours