Lending By The Numbers (4Q 2016)

Credit unions lent $461.2 billion throughout 2016, surpassing 2015 totals by 12.3%. See how top, middle, and lagging performers differed.

 
 

The median credit union loan portfolio expanded 4.0% year-over-year in 2016. Performers in the top 20th percentile posted 12.4% growth. Credit unions in the bottom 20th percentile posted growth of -3.8%.

Read more about credit union lending.

Large lenders enjoyed notable success in 2016, driving up the average auto balance growth rate to 14.1%. Median auto growth was 6.4%. The top 20th and bottom 20th percentiles grew 19.2% and fell 5.2%, respectively.

Read more about credit union auto lending.

Check out the credit union auto market share map.

Sales to the secondary market increased 16.2% year-over-year to $56.7 billion as of Dec. 31, 2016. Credit unions in the bottom 20th percentile sold, on average, 15.8% of their first mortgage loan originations to the secondary market. The industry median for sales to the secondary market fell to 44.4% from 45.1%. Credit unions in the upper 20th percentile sold 79.4% on average.

Read more about credit union mortgage lending.

Usage rates across each percentile declined from previous year-end levels, with the top 20th, median, and bottom 20th declining 34, 72, and 33 basis points, respectively.

Read more about credit union credit card lending.

The median MBL delinquency fell to 1.01% in the fourth quarter of 2016. That's 3 percentage points lower than credit unions in the bottom 20th percentile. Credit unions in the top 20th percentile posted an MBL delinquency rate of 0.20%. The industry average MBL delinquency rate, heavily impacted by large lenders, rose to 1.53% as of Dec 31, 2016.

Read more about credit union member business lending.

You can dive deep into the various aspects of your loan portfolio with Callahan's Peer-to-Peer software. Click here to learn more.

 
 

May 8, 2017


Comments

 
 
 

No comments have been posted yet. Be the first one.