Affordable Housing Isn’t About Business. It’s About People.
NOLA Firemen’s FCU helps members qualify for a mortgage in a state where poverty is high and insurance premiums are keeping many would-be borrowers out
Lending
Our Lending page is the spot for credit union strategies on product development, operations, and pricing.
Top Lending Articles
Midwestern Credit Unions Break New Ground With Auto Loans
Blaze, Consumers, and Interra credit unions pioneer a new path to liquidity under the guidance of Alloya Corporate.
7 Smart Loans For Life’s Big Moments
From funerals to education to gender-affirming care and beyond, credit unions are punching up the personal loan.
Best Of 2023: Fostering Financially Strong Credit Unions
December 26, 2023
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From liquidity challenges to slowdowns in lending, new regulations and more, credit unions embraced uncertainty this year.
The Coverage Ratio Is Falling
December 4, 2023
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Delinquency is climbing back to historic norms, but if increases continue at the current rate, credit unions will need to bulk up provisions to properly fund the allowance account.
Tightening Liquidity Pushes Cooperatives To Slow Indirect Lending
November 20, 2023
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Third quarter data highlights the dynamic between liquidity challenges and lending strategy.
Navigating Asset Quality In A Slowing Economy
November 13, 2023
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Delinquency in on the rise, but some areas of the loan portfolio are performing notably better than others.
5 Takeaways From Trendwatch 3Q 2023
November 13, 2023
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Credit union performance in the third quarter echoed that of the second, with continued tightening of liquidity, diminishing ROA, and deteriorating asset quality.
Inflation-Adjusted Yields Surge. Mortgage Rates March North Of 8% In October.
November 13, 2023
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Look beyond the headlines to discover the driving forces behind market trends and consider how they impact a credit union’s investment portfolio.
Different Incomes. Different Needs.
November 6, 2023
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An analysis of loan portfolios for credit unions with and without a low-income designation illustrates how consumers’ income levels impact borrowing.
3 Trends At Low-Income And CDFI Credit Unions
October 30, 2023
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Designations focused on serving members of modest means can lead to vastly different financial outcomes for credit unions.
The Canary In The Coal Mine: Does Collateral Protection Insurance Cause Defaults — Or Prevent Them?
October 30, 2023
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Worried the CPI on a borrower’s loan might increase the likelihood of default? Good news – it’s actually an opportunity to protect your member.
Credit Union Performance Extends Beyond The Balance Sheet
October 30, 2023
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A look at how broad economic trends are impacting the bottom line at credit unions.
Best Of 2023: Fostering Financially Strong Credit Unions
From liquidity challenges to slowdowns in lending, new regulations and more, credit unions embraced uncertainty this year.
The Coverage Ratio Is Falling
Delinquency is climbing back to historic norms, but if increases continue at the current rate, credit unions will need to bulk up provisions to properly ...
Tightening Liquidity Pushes Cooperatives To Slow Indirect Lending
Third quarter data highlights the dynamic between liquidity challenges and lending strategy.
Navigating Asset Quality In A Slowing Economy
Delinquency in on the rise, but some areas of the loan portfolio are performing notably better than others.
5 Takeaways From Trendwatch 3Q 2023
Credit union performance in the third quarter echoed that of the second, with continued tightening of liquidity, diminishing ROA, and deteriorating asset quality.
Different Incomes. Different Needs.
An analysis of loan portfolios for credit unions with and without a low-income designation illustrates how consumers’ income levels impact borrowing.
3 Trends At Low-Income And CDFI Credit Unions
Designations focused on serving members of modest means can lead to vastly different financial outcomes for credit unions.
The Canary In The Coal Mine: Does Collateral Protection Insurance Cause Defaults — Or Prevent Them?
Worried the CPI on a borrower’s loan might increase the likelihood of default? Good news – it’s actually an opportunity to protect your member.
Credit Union Performance Extends Beyond The Balance Sheet
A look at how broad economic trends are impacting the bottom line at credit unions.
Browse Topics
A Rewards Program That Relies On Relationships, Not Usage
Savana Morie
Nuvision’s Added Advantage program tracks member engagement across the credit union, then rewards relationships through better pricing and other perks.
Innovations Financial Bets Big On Small Business Lending
Aaron Passman
CDFI grant funding helps the Florida cooperative offer microloans for small businesses after many banks pulled out of its market.
How Marine Credit Union Shifted Its Foundation From Siloed To Symbiotic
Savana Morie
By aligning governance, leadership, and day to day operations, Marine Credit Union transformed its foundation from a parallel operation into a visible extension of the credit union brand.
How Today’s Market Is Stress-Testing Credit Union And Bank Earnings Models
Andrew Lepczyk
Credit union and bank earnings reflect different business objectives. Those differences matter for how financial institutions serve their markets.
The Case For Marketing That Doesn’t Lead With The Credit Union
Savana Morie
Whitefish Credit Union barely mentions itself in its member stories. Instead, its high-quality video storytelling spotlights people, businesses, and communities, building trust, advocacy, and impact that don’t always show up in traditional ROI metrics.
Exit Interview: Deb Vollmer
Aaron Passman
The retired Langley FCU executive looks back on a career shaped by industry change, evolving leadership responsibility, and a constant focus on serving members first.
How Affinity FCU Became A Financial First Responder
Callahan & Associates
The New Jersey-New York metro credit union shares how a wellbeing-led strategy ensures members know where to turn first when life gets difficult.
Running With Scissors: The Bold Side Of Personalization
Callahan & Associates
To become skilled at personalization, credit unions must stop making assumptions about what resonates with members and start leveraging data to be sure.
A Short Guide To Compliance With The New Succession Planning Rule
Jennie Boden
Check all the right boxes while tying your credit union compliance efforts to strategy.
Industry Intelligence For Credit Union Leaders
Callahan & Associates
Looking for quarterly data coverage, expert analysis, lessons from leading credit unions, and more? Callahan has it covered. Comparing top-level performance and digging into the details has never been easier.
Inflation-Adjusted Yields Surge. Mortgage Rates March North Of 8% In October.