Earnings By The Numbers (1Q 2016)
Return on assets fell to 0.75% at the end of the first quarter. What else happened to industry earnings?
Return on assets fell to 0.75% at the end of the first quarter. What else happened to industry earnings?
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.
Financial health impacts the day-to-day lives of many Americans, and credit unions are providing programs, products, and services to help households in need.
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.
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?
More than 19 million members hold an auto loan originated by a credit union. What does that mean for the industry’s auto loan portfolio?
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.

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.