Financial Performance


By Rebecca McClay | Dec. 19, 2011

The New York-based credit union has an “aggressive” incentive program that Brenda Carhart, senior vice president of lending for Empower, says has paid off.

By Rebecca McClay | July 12, 2011

Credit unions have a good reason to be wary of title insurers with exclusivity agreements: they could be illegal.

By | Feb. 21, 2011

Will force-placed insurance increase delinquency or predict it?


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By John M. Pearson | Feb. 21, 2011

Will force-placed insurance increase delinquency or predict it?

By Chip Filson | May 4, 2010

The fund reports a $186 million positive variance to budget.

By Elliott Kashner | Dec. 14, 2009

Insurance funds like the FDIC were set up to pay off relatively small claims, not solve problems during systemic failure. NCUSIF in 1984 and the CLF were set up differently, with capital. The financing now facing credit unions is best solved not with an “insurance” mindset but a capital one.

By Chip Filson | April 27, 2009

Rather than matching investment losses as incurred, either from payment defaults or bond sales, NCUA has required all credit unions to expense today these loss estimates which go out years into the future. Chip Filson proposes a better solution, one that is consistent with how cooperatives generate capital, that is from future earnings.

By Alix Patterson | Nov. 10, 2008

Last week, we posted a call to arms: How can NCUA be more effective in their messaging to the American Public?

By Pete Snyder | Sept. 29, 2008

In the current difficult rate environment, credit unions are increasingly looking to non-interest income as a way to increase revenue and provide needed services to members. In contrast to investment services, Loan Protection Products provide a significant opportunity for credit unions to increase gross revenues and, more importantly, increase net income margins.

Health care premiums are rising at a rate of 11% per year —increasing costs don’t include other benefits like long-term disability and 401(k) matching. Many employers feel they have no choice but to decrease employee coverage or raise co-pays. There are better options, though—including CUES Yield Enhancement, a smart pre-funding strategy.