How Are Credit Unions Holding Up As ROA Dips Down?
Rising expenses and inefficiencies are contributing to declining returns for the industry.
Rising expenses and inefficiencies are contributing to declining returns for the industry.
The Federal Reserve is projected to cut rates several times in 2024; however, soaring prices and dwindling savings still leave Americans with little incentive to make a big purchase.
Liquidity has been front of mind for credit union leaders in recent quarters as loan and share growth battle it out on the balance sheet.
With interest rates up and economic growth tepid, credit union leaders are tracking key performance ratios in their loan portfolios.
Asset quality, liquidity, and revenue are all on the minds of credit union leaders. Here’s what the data has to say about that and more.
The playing field isn’t always even, but credit unions can attract new members, increase deposit volume, and remain viable without sacrificing ethics, standards, or community commitment.
Credit unions are turning toward the Federal Reserve’s Bank Term Funding Program to mitigate liquidity pressure.
Rising interest rates helped credit unions boost margins in 2023; however, increased provisions ate into ROA.
The performance of the industry’s largest credit unions can skew averages; considering median data in performance analysis uncovers different insights.
Despite building savings during the pandemic, less than half of Americans feel comfortable with their level of emergency savings today. Even that comfort is not evenly distributed.
Rising expenses and inefficiencies are contributing to declining returns for the industry.
The Federal Reserve is projected to cut rates several times in 2024; however, soaring prices and dwindling savings still leave Americans with little incentive to make a big purchase.
Liquidity has been front of mind for credit union leaders in recent quarters as loan and share growth battle it out on the balance sheet.
With interest rates up and economic growth tepid, credit union leaders are tracking key performance ratios in their loan portfolios.
Asset quality, liquidity, and revenue are all on the minds of credit union leaders. Here’s what the data has to say about that and more.
The playing field isn’t always even, but credit unions can attract new members, increase deposit volume, and remain viable without sacrificing ethics, standards, or community commitment.
Credit unions are turning toward the Federal Reserve’s Bank Term Funding Program to mitigate liquidity pressure.
Rising interest rates helped credit unions boost margins in 2023; however, increased provisions ate into ROA.
The performance of the industry’s largest credit unions can skew averages; considering median data in performance analysis uncovers different insights.
Despite building savings during the pandemic, less than half of Americans feel comfortable with their level of emergency savings today. Even that comfort is not evenly distributed.