The State Of Credit Union Investments In 2Q 2020
Investment balances were up 19.2% from the first quarter as consumer uncertainty powers growth in core deposits.
Investment balances were up 19.2% from the first quarter as consumer uncertainty powers growth in core deposits.
Cooperatives keep their sights on short-term investments as cash balances grow and participation in derivative programs declines.
Credit unions report the largest quarterly increase in investment balances on record as cash balances surge amid economic uncertainty and rate cuts push down investment yield.
Credit unions continue to prioritize short-term liquidity, apparent in the movement’s investment portfolio.
China trade, interest rate concerns make profitable risk management more critical.
The global economy provided a colorful backdrop for credit union financial executives, board members, and leaders planning for the coming year.
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A disciplined strategy and long-term focus provides consistency independent of fluctuating interest rates.
Stronger than expected seasonal first quarter inflows contributed to the largest quarterly jump since 2009. The average yield on investments also hit a 10-year high.
Cash and investments at credit unions was down at year-end 2018 as credit unions reallocated funds to fulfill loan demand.

Lending is evolving, and credit unions are adapting. This week, CreditUnions.com examines how shifting economic conditions are reshaping lending strategies.

Affordability pressures, extended loan terms, and shifting vehicle values are forcing institutions to look beyond familiar structures and reconsider how to balance risk and return.

Credit unions are uniquely well-positioned to guide members through uncertainty and fill essential funding gaps.

A closer look at the trade-offs of mandated lower credit card rates reveals a delicate balance between portfolio health and member access.

A handful of regional credit unions pair up with the GoWest Foundation to offer 100% financing for eligible borrowers.

Learn how to identify, track, and manage four commercial lending exceptions to reduce risk, strengthen compliance, and streamline operations.

Declining savings rates and rising financial pressure are reshaping why members borrow, pushing credit unions to rethink lending strategies.

How can credit unions stay true to their mission while evolving to meet modern needs?

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.
The cost of manufactured homes has increased even faster than that of traditional houses. That can affect members’ ability to qualify for and repay those loans.