Personal Savings Rate Plummets
October 9, 2022
No Comments
After a pandemic-era spike, American consumers are saving at a lower rate than they have in over a decade.
Graph Of The Week
Neobank Growth Slips After 2020 Peak
September 19, 2022
No Comments
The number of neobanks launching around the world has fallen significantly, but that doesn’t mean fintech adoption rates are following suit.
Liquidity Takes A Dive As Lending Ticks Up
September 12, 2022
No Comments
NET LIQUIDITY CHANGE FOR U.S. CREDIT UNIONS | DATA AS OF 06.30.22 © Callahan & Associates | CreditUnions.com The federal government took a variety of steps to provide economic relief during the first year of the pandemic, including distributing trillions of dollars directly to consumers. As a result, credit union shares grew at record rates
Credit Union Compensation Is Not Keeping Up With Inflation
September 6, 2022
No Comments
Wage growth for full-time equivalent employees has stayed well above the Consumer Price Index for years, but surging inflation has turned the tables, resulting in a nearly six-point gap.
Financial Literacy Offerings Drive Down Credit Union Delinquency Rates
August 29, 2022
No Comments
For institutions with $100 million or more in assets, educational offerings are often a key factor when it comes to preventing late loan payments.
GRAPH OF THE WEEK: Subordinated Debt Levels Surge
August 22, 2022
No Comments
U.S. Treasury investment and updated rules from the National Credit Union Administration have resulted in a massive jump in the number of credit unions issuing subordinated debt and the overall dollar amount.
GRAPH OF THE WEEK: CUSO Investments Keep Climbing
August 15, 2022
No Comments
Credit unions have seen an almost 8% rise in loans and investments to credit union service organizations since the start of the pandemic.
GRAPH OF THE WEEK: Low-Income Credit Unions Feel The Pinch As Fee Income Falls
August 8, 2022
No Comments
Institutions designated to serve low-income memberships – shops that may be more reliant on fee revenue than others – are seeing those funds fall at a faster rate than non-LICUs.
Mortgage Slowdown Cuts Origination Fees In Half
August 1, 2022
No Comments
Income from mortgage originations and servicing were down from one year ago following slowdowns in sales and refinancing.
Credit Card Delinquency Rates Inching Back Up
July 25, 2022
No Comments
After a decline in consumer spending during the pandemic, the end of government relief programs has contributed to an increase in credit card usage – and a rise in delinquencies.
Personal Savings Rate Plummets
After a pandemic-era spike, American consumers are saving at a lower rate than they have in over a decade.
Neobank Growth Slips After 2020 Peak
The number of neobanks launching around the world has fallen significantly, but that doesn’t mean fintech adoption rates are following suit.
Liquidity Takes A Dive As Lending Ticks Up
NET LIQUIDITY CHANGE FOR U.S. CREDIT UNIONS | DATA AS OF 06.30.22 © Callahan & Associates | CreditUnions.com The federal government took a variety of ...
Credit Union Compensation Is Not Keeping Up With Inflation
Wage growth for full-time equivalent employees has stayed well above the Consumer Price Index for years, but surging inflation has turned the tables, resulting in ...
Financial Literacy Offerings Drive Down Credit Union Delinquency Rates
For institutions with $100 million or more in assets, educational offerings are often a key factor when it comes to preventing late loan payments.
GRAPH OF THE WEEK: Subordinated Debt Levels Surge
U.S. Treasury investment and updated rules from the National Credit Union Administration have resulted in a massive jump in the number of credit unions issuing ...
GRAPH OF THE WEEK: CUSO Investments Keep Climbing
Credit unions have seen an almost 8% rise in loans and investments to credit union service organizations since the start of the pandemic.
GRAPH OF THE WEEK: Low-Income Credit Unions Feel The Pinch As Fee Income Falls
Institutions designated to serve low-income memberships – shops that may be more reliant on fee revenue than others – are seeing those funds fall at ...
Mortgage Slowdown Cuts Origination Fees In Half
Income from mortgage originations and servicing were down from one year ago following slowdowns in sales and refinancing.
Credit Card Delinquency Rates Inching Back Up
After a decline in consumer spending during the pandemic, the end of government relief programs has contributed to an increase in credit card usage – ...
Browse Topics
Future Bets From Today’s Credit Unions
Marc Rapport
Industry leaders share how they approach fintech investment, balancing immediate needs with longer-term bets while keeping member value and mission at the center.
Competing For Gen Z, SMBs, And The Future Of Money
Callahan & Associates
Credit unions that enable seamless movement between fiat and digital assets position themselves as a trusted on- and off-ramp.
The Financial Readiness Gap: Credit Unions Evaluate It Every Day. But Who Builds It?
Callahan & Associates
The credit unions that win the next generation will be the ones that showed up early, when young members were forming habits and deciding whom to trust.
Defending Your Credit Union Against Fraud Means Fighting Fire With Smarter Fire
Callahan & Associates
The challenge is no longer whether to adopt AI, but how to adopt it responsibly with the right governance, the right partners, and the right balance between technology and human oversight.
Digital Assets Are Coming For Payments. Are Credit Unions Ready?
Andrew Lepczyk
McKinsey projects trillions of dollars in growth across digital assets, with money movement emerging as one of the biggest opportunities.
The Long Game For Fintech At FORUM Credit Union
Marc Rapport
The Indiana cooperative blends internal development with selective partnerships to meet members’ needs today now while positioning for what’s next.
Mission Fed Weighs Fintech Returns Against Real-World Fit
Marc Rapport
The San Diego cooperative leans on its CUSO and the CURQL network to make fintech investments, but member needs still guide which solutions ultimately make it into the credit union’s operations.
AI Boot Camp Is More Than Basic Training At Clearview FCU
Aaron Passman
Hands-on work with artificial intelligence tools is future-proofing staff members, giving them the confidence to adopt new technology and embrace efficiencies.
Stable Economy. Strained Households.
Andrew Lepczyk
Wages briefly caught up with inflation, but rising costs have pushed them back into negative territory. Here’s what that shift means for member finances and credit union performance.
Fintech Grounded In Mission As Much As Market Opportunity
Marc Rapport
Suncoast Credit Union balances near-term needs with longer-term bets, applying discipline to timing, valuation, and fit to decide when to invest and when to walk away.