How Credit Unions Can Safely Expand Into Lower Score Tiers
Analytics that identify pay-back characteristics can help lenders expand into C segment of borrowers.
Analytics that identify pay-back characteristics can help lenders expand into C segment of borrowers.
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.

Arriba Advisors co-founder Tom Russell explores how credit unions can bridge the gap between a growth mindset and their technical reality.

RKL offers insight, expertise, and experience to help fight off growing threats.

Members are anxious about their financial futures, even as credit unions remain financially strong. Institutions that respond to this moment can make 2026 a turning point.

Global events are flowing directly into household budgets, reshaping how credit union members save, borrow, and cope. Such trends don’t always show up in headline data.

Credit unions are benefiting from a rare margin advantage as loans reprice slower than deposits. The question now is how institutions will use that strength to better serve members.

Membership growth is slowing, but financial activity is not. What does the modern financial relationship look like?

Inflation, war, and uncertain futures have reshaped members’ needs in 2026. What does credit union performance data from the first quarter of 2026 say about household budgets, inflation pressures, and more?

Look beyond the headlines to better understand what is driving current market trends and how they could impact credit union investment portfolios.

Today’s job market is shaped by skills based expectations, with employers slowing entry level hiring and placing greater emphasis on applied experience.

St. Cloud Financial is betting on digital assets to protect member relationships and future relevance. It’s picked up lessons for other leaders along the way.