A Mortgage By Any Other Name: HELOCs Show Spring
Home equity lines of credit are drawing renewed interest among banks and credit unions as housing prices rebound amidst consumer confidence.
Home equity lines of credit are drawing renewed interest among banks and credit unions as housing prices rebound amidst consumer confidence.
Credit unions can accommodate their older demographic with reverse mortgages, financial investment services, and elder abuse education.
Credit unions can and should identify HELOC candidates and win that business before interest rates rise.
Not all dark waters as TRID changes take effect and HMDA changes announced, but much work remains.
Call it what you will, CFPB’s promise to go easy on mortgage disclosure changes provides some temporary relief.
Credit unions can use number crunching to identify mortgage and HELOC candidates.
Credit unions can accommodate their older demographic with reverse mortgages, financial investment services, and elder abuse education.

A look at year-end performance trends reveals how earnings, affordability pressures, and asset quality are redefining the operating environment heading into 2026.

Members are struggling with an affordability crisis that is changing how they manage debt, and new behaviors are showing up across the credit union loan portfolio.

This year’s Innovation Series returns with bigger impact and broader horizons. Since 2018, this annual showcase has spotlighted forward-thinking solutions by giving innovators a stage to share ideas, demonstrate solutions, and spark meaningful change.
Credit union asset quality didn’t collapse in 2025 — but it didn’t cooperate, either. What’s going on, and are credit unions prepared to respond in 2026?

This year’s Innovation Series returns with bigger impact and broader horizons. Since 2018, this annual showcase has spotlighted forward-thinking solutions by giving innovators a stage to share ideas, demonstrate solutions, and spark meaningful change.

This year’s Innovation Series returns with bigger impact and broader horizons. Since 2018, this annual showcase has spotlighted forward-thinking solutions by giving innovators a stage to share ideas, demonstrate solutions, and spark meaningful change.
The affordability crisis extends far beyond big-ticket expenses. As the rising cost of basic necessities outpaces income growth, household budgets are under strain and long-term financial stability is increasingly at risk.
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.
A radical shift is taking place in the way consumers move money and engage with their financial institution.

How the Michigan-based cooperative’s “Culture of Finance” curriculum is reframing financial education.