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Concerned with cooperative values and not stock prices, credit unions have sacrificed short-term earnings to bolster reserves and give members a break on fees.
Due to economic lockdowns and government relief efforts, in the second quarter financial institutions had to develop creative strategies to generate revenue.
With second quarter data now available, COVID-19’s impact on industrywide metrics is more apparent. Discover how credit union balance sheets are shifting and other key insights from Callahan’s quarterly webinar.
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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.
This Fourth of July, Callahan & Associates is celebrating patriotically named credit unions with a look at how they return value to their member-owners.
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.
Credit unions report improved earnings following 2018 rate cuts. However, increased expenses put downward pressure on margins.
Earnings growth extended into the second quarter as cooperatives reported higher net interest income than operating expenses for the second consecutive period.
Credit unions reaped the benefits of upward rate movement and the associated repricing benefits for new loan originations in 2018.
Largely a result of rising loan demand and interest rate trends, the amount of income generated at credit unions expanded throughout 2018.
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.
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.
Credit unions covered their operating expenses with net interest income alone for the first time in seven years.
Test your knowledge of third quarter industry trends with this quiz on earnings by Callahan & Associates.
Investment balances at credit unions remained strong in the second quarter despite a year-over-year contraction.
Five can't-miss data points this week on CreditUnions.com.
The net interest margin at credit unions nationwide increased as interest income expanded more than $3 billion in the past year.
Take this industry performance pop quiz from Callahan & Associates to learn about trends in income.
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?
The need for credit unions to generate non-interest income continues to grow in a narrowing margin environment.
Five can’t-miss data points this week on CreditUnions.com.
The Silicon Valley cooperative consistently ranks among the top performers nationally in terms of yield on investments.
Changes in auto lending and questions of liquidity highlight credit union performance in the fourth quarter of 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.
KCT Credit Union shows how arbitrage through the Federal Home Loan Bank adds income where there was none.
Five can't-miss data points featured this week on CreditUnions.com.
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.
Interchange income at credit unions swaps places with punitive fees as a growing driver of industry revenue.
Interest on loans drive the income train, but other revenue streams are steaming along.
Star One Credit Union and Dow Chemical Employees Credit Union posted impressive dividend numbers in the second quarter of 2017.
The movement’s investment portfolio in the first quarter remains liquid for lending and buffers against rising interest rates.
The percent of revenue going toward employee compensation is reversing trend.
Credit unions generate income in a multitude of ways to stay competitive in a narrowing margin environment.
Callahan data shows there is a growing reliance on NII in keeping credit unions surviving and thriving.
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.
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.
University Credit Union in Orono, ME, creates new positions and titles to streamline its lending environment.
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.
This quarter, Credit Union Strategy & Performance is all about showing off successes and looking forward to the future.
A monthly collection of Callahan content that, together, addresses a single topic from a variety of perspectives.
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.
Five data points from this week on CreditUnions.com.
Callahan & Associates surveyed 170 credit union executives to gain insight into their current and emerging sources of non-interest income.
Second quarter data shows the industry’s ROA is up quarter-over-quarter but slightly down year-over-year.
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.
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.
How an Iowa credit union increased its interchange revenue by 41% over four years.
How Members 1st Federal Credit Union sells mortgages and makes itself more efficient.
A debit payback program at Warren FCU builds member interest and non-interest income.
A monthly fee at CommonWealth One FCU has helped the credit union encourage higher checking account balances and close inactive accounts.