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.
What Happened In The Investment Portfolio In The Third Quarter?
December 19, 2022
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The loan-to-share ratio continued to increase, pushing credit unions to look to their investment portfolios for funding.
Credit Unions Pivot In Response To Rising Rates (Part 2)
November 28, 2022
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Credit unions balance agility and liquidity as they raise rates on what they pay and what they lend while keeping an eye on members’ financial welfare.
Loan-To-Share Ratio Increases With Rate Bumps
November 21, 2022
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Increases in the federal funds rate normally have a negative effect on the loan-to-share ratio, but things were different in the third quarter.
Credit Unions Pivot In Response To Rising Rates (Part 1)
November 21, 2022
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Credit unions balance agility and liquidity as they raise rates on what they pay and what they lend while keeping an eye on members’ financial welfare.
4 Ways To Support Small Businesses Every Saturday
November 21, 2022
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No need to wait until Nov. 26, credit unions can back local businesses any day off the year.
Where Do Auto Lending And Inflation Intersect?
November 14, 2022
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Auto inflation has slowed since its second quarter peak but remains significantly higher than historical levels.
What Is The Future Of Student Lending For Credit Unions?
November 8, 2022
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In late August, the Biden-Harris administration announced their long-awaited plans for easing the financial burden of the millions of Americans who hold federal student loans. Watch this session to get answers!
Credit Card Lending Rebounds As Savings Declines
November 7, 2022
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Record inflation has contributed to a surge in credit card spending, reversing a trend noted early in the pandemic.
The Last Crisis Vs. Today: A Credit Union Perspective
November 7, 2022
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A look back at the Great Recession and subsequent industry performance offers an understanding of risks and opportunities in the current economic climate.
It’s Time To Join The Robot Revolution
October 31, 2022
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AI, chat bots, autonomous programs, and more are improving member service and back-office efficiency.
What Happened In The Investment Portfolio In The Third Quarter?
The loan-to-share ratio continued to increase, pushing credit unions to look to their investment portfolios for funding.
Credit Unions Pivot In Response To Rising Rates (Part 2)
Credit unions balance agility and liquidity as they raise rates on what they pay and what they lend while keeping an eye on members’ financial ...
Loan-To-Share Ratio Increases With Rate Bumps
Increases in the federal funds rate normally have a negative effect on the loan-to-share ratio, but things were different in the third quarter.
Credit Unions Pivot In Response To Rising Rates (Part 1)
Credit unions balance agility and liquidity as they raise rates on what they pay and what they lend while keeping an eye on members’ financial ...
4 Ways To Support Small Businesses Every Saturday
No need to wait until Nov. 26, credit unions can back local businesses any day off the year.
Where Do Auto Lending And Inflation Intersect?
Auto inflation has slowed since its second quarter peak but remains significantly higher than historical levels.
What Is The Future Of Student Lending For Credit Unions?
In late August, the Biden-Harris administration announced their long-awaited plans for easing the financial burden of the millions of Americans who hold federal student loans. ...
Credit Card Lending Rebounds As Savings Declines
Record inflation has contributed to a surge in credit card spending, reversing a trend noted early in the pandemic.
The Last Crisis Vs. Today: A Credit Union Perspective
A look back at the Great Recession and subsequent industry performance offers an understanding of risks and opportunities in the current economic climate.
It’s Time To Join The Robot Revolution
AI, chat bots, autonomous programs, and more are improving member service and back-office efficiency.
Browse Topics
Credit Union Data Predicts Who Will Win Super Bowl 2026
Andrew Lepczyk
As Super Bowl LX nears, the Callahan Bowl prediction model says the Seahawks will see green en route to the Lombardi Trophy.
140 Million Reasons To Lend
Aaron Passman
Lending is evolving, and credit unions are adapting. This week, CreditUnions.com examines how shifting economic conditions are reshaping lending strategies.
Rethinking Auto Lending And The Choices Facing Credit Union Leaders
Callahan & Associates
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.
What Credit Unions Can Do NOW To Launch And Expand Student Lending Programs
Callahan & Associates
Credit unions are uniquely well-positioned to guide members through uncertainty and fill essential funding gaps.
What Would A 10% Credit Card Rate Cap Mean For Credit Unions And Members?
Andrew Lepczyk
A closer look at the trade-offs of mandated lower credit card rates reveals a delicate balance between portfolio health and member access.
5 Tucson Credit Unions Join Forces For Affordable Housing
Savana Morie
A handful of regional credit unions pair up with the GoWest Foundation to offer 100% financing for eligible borrowers.
4 Important Exceptions To Track For Commercial Lending
Callahan & Associates
Learn how to identify, track, and manage four commercial lending exceptions to reduce risk, strengthen compliance, and streamline operations.
The Personal Loan Landscape Has Shifted
Aaron Passman
Declining savings rates and rising financial pressure are reshaping why members borrow, pushing credit unions to rethink lending strategies.
Simplify Credit Card Issuing For Sustainable Growth
Callahan & Associates
How can credit unions stay true to their mission while evolving to meet modern needs?
Will Ultra-Low Interest Rates Improve Housing Affordability?
Andrew Lepczyk
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.