As margin support begins to fade, earnings performance is becoming more sensitive to revenue mix and harder to interpret through public reporting alone.
Credit union and bank earnings reflect different business objectives. Those differences matter for how financial institutions serve their markets.
A look at year-end performance trends reveals how earnings, affordability pressures, and asset quality are redefining the operating environment heading into 2026.
As credit unions move deeper into 2026, the earnings conversation is shifting. Elevated interest rates have boosted margins and strengthened earnings flexibility, but that advantage won’t persist indefinitely.
Ultra-low rates might feel like a boost to affordability, but they can create unintended challenges that ripple through housing markets, lenders, and the members credit unions serve.
Third quarter performance data is a reminder that credit unions perform best when conditions are hardest.
Credit unions face rising costs from compensation and services — can they balance investment with efficiency to sustain member value?
Consumers are adjusting their financing habits to the new economy, and as economic realities shift, members are rethinking how — and where — they access credit.
Six data points showcase key dynamics shaping the U.S. economy that could direct credit union decision-making in the year to come.
Delinquency and charge-offs have largely plateaued from last year. Encouragingly, many products improved compared to the previous quarter.
As margin support begins to fade, earnings performance is becoming more sensitive to revenue mix and harder to interpret through public reporting alone.
Harvard FCU combines digital estate planning with human financial guidance to support positive, proactive wealth transfer across generations.
Discover how small to midsize credit unions can weather the economic headwinds hitting their communities right now.
Look beyond the headlines to better understand what is driving current market trends and how they could impact credit union investment portfolios.
At Service Credit Union, Dave Widener connects data, strategy, and culture to shape better outcomes for members.
The Ohio-based cooperative has partnered with a fintech to offer fractional investing as part of its financial education curriculum in local schools.
Seven questions credit union board members should ask to ensure alignment on executive benefit plan goals.
As credit unions move from experimentation to adoption, leaders offer firsthand knowledge on what separates weak policies from strong ones that actually work.
How Members Cooperative focuses on structure, oversight, and clear expectations to ensure AI supports, not undermines, long term strategy.
As Hudson Valley Credit Union’s artificial intelligence chief, Preetha Sekharan holds a rare role in the industry, but it’s one that is likely to become far more common in the future.