Auto Loan Penetration (4Q 2015)
There are 20 credit unions that boast an auto loan penetration rate of more than 50%. Who are they?
There are 20 credit unions that boast an auto loan penetration rate of more than 50%. Who are they?
Citadel Federal Credit Union in Thorndale, PA, recently took a novel approach to starting our credit union service organization (CUSO), Citadel Financial Services – buying a pre-existing business. We at Citadel have already had experience with CUSOs. We have long had a 60% ownership of a check processing organization and 100% ownership of an indirect lending CUSO that works through 165 auto dealer
By using personalized emails with an interest rate special, Northwest FCU attracted more than $1 billion in new loans.
According to third quarter 2005 data, ILWU Credit Union has increased its loan portfolio, share accounts and assets tremendously.
Travis Credit Union shares three practices for structuring a remarketing program.
Like everything else in Texas, indirect auto lending is big. Find out how one credit union successfully broke the mold of the typical Texan program.
A car. An education. A home. Wright-Patt helps its members live their lives.
SECU’s green car loan fills a niche for environmentally conscious members. That segment of the credit union’s billion-dollar-plus auto loan portfolio also happens to perform well.
Sticking to its roots kept this New Jersey credit union standing firm in uncertain times.
Affinity FCU demonstrates that sticking by their membership, in good times and bad, can lead to phenomenal growth—even when the competition comes roaring back.

The annual conference offered insights on why service organizations remain a strategic asset for credit unions and how collaboration, AI, and advocacy are shaping what comes next.

Alltru FCU stopped treating education as the end goal. Now, financial empowerment guides product design, access, and risk decisions.

More than 50 million U.S. households earn less than the minimum average income needed to cover basic costs of living.

Automatic enrollment and community partnerships help the credit union foundation expand access to early savings for underserved families.

Studies show credit card debt and Buy Now, Pay Later usage continue to rise. Bigger increases could be around the corner.

The credit union completed a three acre headquarters campus in 2021 that offers 52% more space while consuming a fraction of the resources. It’s a model of how cooperatives can lead on sustainability without sacrificing performance.

CDFI credit unions might be fewer in number, but their impact reaches millions of members, and their footprint highlights how targeted mission can translate into broad, measurable reach.

Preventable fraud losses quietly erode credit union margins. The difference between a 25% and 6% loss rate isn’t risk. It’s execution.

Holy Rosary Credit Union has embedded itself into a local high school’s career and technical education program, offering scholarships, internships, and courses eligible for college credit.

Credit union leaders want to know where peers are placing their focus. These six priorities reflect how leadership teams are responding to change with intention and clarity.