Cost of Funds

Blogs

Credit Unions Are Spending Money To Lend Money

First quarter data shows the cost of funds increased 78 basis points annually as share certificate balance growth helped credit unions build liquidity.
Graph Of The Week

Borrowing Costs Pinch Credit Unions

Line of credit usage increased just as the Federal Reserve began to hike interest rates, increasing the cost of borrowing for credit unions across the ...
Graph Of The Week

Dividends Have Slipped, But Is A Turnaround On The Horizon?

In honor of International Credit Union Day, a look at how credit union dividends have shifted over time and why a rebound might be just ...
Features

Industry Performance: Investments (4Q21)

Cooperatives are using cash to meet rebounding loan demand and invest in higher-yielding securities and investments.
Features

Industry Performance: Shares (4Q21)

Consumers spent at pre-pandemic levels through the second half of the year.
Industry Insights

3 Takeaways From The First Quarter Of 2021

The lasting effects of the COVID-19 pandemic — and the national economic response to it — linger on credit union financial statements.
Industry Insights

4 Trends To Watch In 2021

The financial constraints credit unions faced in 2020 provide insights for how to move forward in the coming year.
Industry Insights

Credit Union Revenue Increases 11% In 1Q19

Interest income from loans and investments drove annual revenue growth among America's credit unions in the first quarter of 2019.
Industry Insights

Performance Pop Quiz: How Do Rising Rates Impact Credit Union Liquidity?

The federal funds rate increased four times in 2018. Test your knowledge on the role these rate hikes play in credit union loan and deposit ...
Industry Insights

6 Graphs About Revenue In The Third Quarter Of 2018

Credit unions covered their operating expenses with net interest income alone for the first time in seven years.

5 Takeaways From Trendwatch

As the Federal Reserve cuts interest rates, credit unions are adapting in tandem, balancing membership needs with asset quality. This balance will be one of many topics discussed during Callahan’s quarterly Trendwatch webinar.

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5 Takeaways From NLCUP 2026

On-site coverage at the National Association of Latino Credit Union Professionals’ 2026 conference explores how representation, emotional experience, and community trust are converging to shape the future of credit unions.

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