Industry Trends: Loans (3Q19)
Third quarter lending performance rebounds from a slow first half of the year.
Third quarter lending performance rebounds from a slow first half of the year.
Despite mixed signals to end the year, signs do point to a strong economy to begin 2020. What else should credit unions know at third quarter?
Four can’t-miss data points this week on CreditUnions.com.
Credit unions report improved earnings following 2018 rate cuts. However, increased expenses put downward pressure on margins.
Product penetration rates hit all-time highs in most major categories, as memberships and member relationships continue to rise.
As employee productivity rises industrywide, so, too, does compensation.
Third quarter deposit performance resulted in slightly eased liquidity pressures.
First mortgage origination growth tops 12% as refinancing opportunities fuel activity.
Despite slowing consumer demand across the country, auto loans remain big business for credit unions. However, this is a segment worth tracking in the months to come.
Real comments from online review sites to inform strategies, policies, and practices.

As Super Bowl LX nears, the Callahan Bowl prediction model says the Seahawks will see green en route to the Lombardi Trophy.

Lending is evolving, and credit unions are adapting. This week, CreditUnions.com examines how shifting economic conditions are reshaping lending strategies.

Affordability pressures, extended loan terms, and shifting vehicle values are forcing institutions to look beyond familiar structures and reconsider how to balance risk and return.

Credit unions are uniquely well-positioned to guide members through uncertainty and fill essential funding gaps.

A closer look at the trade-offs of mandated lower credit card rates reveals a delicate balance between portfolio health and member access.

A handful of regional credit unions pair up with the GoWest Foundation to offer 100% financing for eligible borrowers.

Learn how to identify, track, and manage four commercial lending exceptions to reduce risk, strengthen compliance, and streamline operations.

Declining savings rates and rising financial pressure are reshaping why members borrow, pushing credit unions to rethink lending strategies.

How can credit unions stay true to their mission while evolving to meet modern needs?

Ultra-low rates might feel like a boost to affordability, but they can create unintended challenges that ripple through housing markets, lenders, and the members credit unions serve.