Credit Card Balances Expand Through 2018
Delinquency in this portfolio remains the highest for any major credit union loan product.
Delinquency in this portfolio remains the highest for any major credit union loan product.
First mortgages added $36.3 billion to the total loan portfolio in 2018.
Credit unions reaped the benefits of upward rate movement and the associated repricing benefits for new loan originations in 2018.
How many credit unions offer a convenient and valuable experience that doesn’t require stepping foot into a physical branch?
More Americans are turning to credit unions and their member-focused, non-profit financial model.
Annual credit union loan growth was slower in 2018 than in 2017, but there is still evidence that loan demand remains robust.
Share growth continued to lag loan growth, which put further liquidity pressure on the industry.
Many credit unions with high loan balances are in pricey areas and serve tightly knit SEGs.
Callahan spotlights credit unions of all sizes that return the most value to members.
HSAs give members a way to save for medical expenses and credit unions the potential to increase share growth.

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.