Financial Performance

Income

By William Hunt | June 30, 2020

A locked-down economy combined with volatile changes in monetary policy put lenders in a difficult position in the first quarter of 2020, as total revenue growth slowed as sources of income shifted away from interest-driven streams.

By Max Manalo-LeClair | June 29, 2020

This Fourth of July, Callahan & Associates is celebrating patriotically named credit unions with a look at how they return value to their member-owners.

By William Hunt | April 16, 2020

General uncertainty regarding the interest rate environment made it difficult for institutions to accurately price deposit and loan products, which is reflected in year-end income statements.

 

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By Samantha Cristobal | Dec. 30, 2019

Credit unions report improved earnings following 2018 rate cuts. However, increased expenses put downward pressure on margins.

By William Hunt | Oct. 1, 2019

Earnings growth extended into the second quarter as cooperatives reported higher net interest income than operating expenses for the second consecutive period.

By Samantha Cristobal | May 13, 2019

Credit unions reaped the benefits of upward rate movement and the associated repricing benefits for new loan originations in 2018.

By Aman Johal | March 25, 2019

Largely a result of rising loan demand and interest rate trends, the amount of income generated at credit unions expanded throughout 2018.

By Samantha Cristobal | Feb. 19, 2019

As interest rates tick up, the margin between interest income and interest expenses at U.S. credit unions slowly expands. Test your knowledge of the state of the net interest margin in the fourth quarter.

By Maya Neuman | Jan. 2, 2019

Cash and investment balances at credit unions fell 5.4% year-over-year, however, investment yields reached the highest third quarter level since September 2010.

By Samantha Cristobal | Dec. 10, 2018

Credit unions covered their operating expenses with net interest income alone for the first time in seven years.

By Samantha Cristobal | Nov. 14, 2018

Test your knowledge of third quarter industry trends with this quiz on earnings by Callahan & Associates.

By Aman Johal | Oct. 22, 2018

Investment balances at credit unions remained strong in the second quarter despite a year-over-year contraction.

By Rebecca Wessler | Oct. 22, 2018

Five can't-miss data points this week on CreditUnions.com.

By Aman Johal | Aug. 20, 2018

The net interest margin at credit unions nationwide increased as interest income expanded more than $3 billion in the past year.

By Samantha Cristobal | May 21, 2018

Take this industry performance pop quiz from Callahan & Associates to learn about trends in income.

By Ian Melhorn | April 23, 2018

Credit unions in the Mid-Atlantic reported faster MBL growth than credit unions outside the region. In what other areas did these Mid-Atlantic cooperatives excel?

By Ian Melhorn | March 12, 2018

The need for credit unions to generate non-interest income continues to grow in a narrowing margin environment.

By Rebecca Wessler | Feb. 20, 2018

Five can’t-miss data points this week on CreditUnions.com.

By Marc Rapport | Feb. 19, 2018

The Silicon Valley cooperative consistently ranks among the top performers nationally in terms of yield on investments.

By Erik Payne | Feb. 14, 2018

Changes in auto lending and questions of liquidity highlight credit union performance in the fourth quarter of 2017.

By Rebecca Wessler | Dec. 25, 2017

Credit unions share their best practices with CreditUnions.com all year. Here, Callahan’s staff writers share their selections for a handful of lesser-known pieces that are worth revisiting.

By Rebecca Wessler | Nov. 6, 2017

Five can’t-miss data points this week on CreditUnions.com.

By Marc Rapport | Nov. 6, 2017

KCT Credit Union shows how arbitrage through the Federal Home Loan Bank adds income where there was none.

By Rebecca Wessler | Sept. 25, 2017

Five can't-miss data points featured this week on CreditUnions.com.

By Marc Rapport | Sept. 25, 2017

A new strategy at Purdue Federal has delivered a $1.5 million bump in interest income and an anticipated 3-basis-point jump in ROA.

By Rebecca Wessler | Sept. 18, 2017

Five can't-miss data points featured this week on CreditUnions.com.

By Jay Johnson | Sept. 18, 2017

Interchange income at credit unions swaps places with punitive fees as a growing driver of industry revenue.

By Marc Rapport | Aug. 28, 2017

Interest on loans drive the income train, but other revenue streams are steaming along.

By Aman Johal | Aug. 17, 2017

Star One Credit Union and Dow Chemical Employees Credit Union posted impressive dividend numbers in the second quarter of 2017.

By Marc Rapport | June 6, 2017

The movement’s investment portfolio in the first quarter remains liquid for lending and buffers against rising interest rates.

By Greg Gonsalves | June 5, 2017

The percent of revenue going toward employee compensation is reversing trend.

By Rebecca Wessler | June 5, 2017

Five can't-miss data points featured this week on CreditUnions.com.

By Ian Melhorn | June 5, 2017

Credit unions generate income in a multitude of ways to stay competitive in a narrowing margin environment.

By Michelle Parker | March 27, 2017

Callahan data shows there is a growing reliance on NII in keeping credit unions surviving and thriving.

By Sharon Simpson | March 20, 2017

When Keys FCU put itself into voluntary conservatorship in 2009, its leaders and staff knew rebuilding together was the only way to save the credit union.

By Rebecca Wessler | Feb. 13, 2017

Five can't-miss data points featured this week on CreditUnions.com.

By Erik Payne | Feb. 13, 2017

Coastal FCU cut 20 fees worth $600,000 in annual income. Here’s how the credit union will make it all back — and then some.

By Sharon Simpson | Dec. 19, 2016

University Credit Union in Orono, ME, creates new positions and titles to streamline its lending environment.

By Callahan & Associates | Nov. 21, 2016

Total revenue for all credit unions topped $29 billion in the second half of 2016. Learn what happened with interest income, non-interest income, and ROA.

By Rebecca Wessler | Oct. 18, 2016

This quarter, Credit Union Strategy & Performance is all about showing off successes and looking forward to the future.

By Callahan & Associates | Sept. 28, 2016

A monthly collection of Callahan content that, together, addresses a single topic from a variety of perspectives.

By Michelle Parker | Sept. 12, 2016

In July 2016, Callahan & Associates surveyed 170 credit union executives from 40 states to gain insight into their current and emerging sources of non-interest income.

By Rebecca Wessler | Sept. 6, 2016

Five data points from this week on CreditUnions.com.

By Michelle Parker | Aug. 22, 2016

Callahan & Associates surveyed 170 credit union executives to gain insight into their current and emerging sources of non-interest income.

By Liz Furman | Aug. 19, 2016

Second quarter data shows the industry’s ROA is up quarter-over-quarter but slightly down year-over-year.

By Rebecca Wessler | Aug. 8, 2016

Sure, credit unions are not-for-profit financial institutions, but that doesn't mean they can exist without steady sources of income. See how credit unions are making money and deepening relationships this week on CreditUnions.com.

By Stephanie Clark | May 10, 2016

With a few weeks to go before the NCUA officially releases first quarter data, early numbers reveal four notable highlights for total income, income composition, fee income, and more.

By Susan Levi Wallach | April 18, 2016

How an Iowa credit union increased its interchange revenue by 41% over four years.

By Erik Payne | April 18, 2016

How Members 1st Federal Credit Union sells mortgages and makes itself more efficient.

By Marc Rapport | April 18, 2016

A debit payback program at Warren FCU builds member interest and non-interest income.

By Erik Payne | April 11, 2016

A monthly fee at CommonWealth One FCU has helped the credit union encourage higher checking account balances and close inactive accounts.