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.
Mortgage Sales Fall To Decades-Long Low
January 9, 2023
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Sustained increases to the federal funds rate have driven credit unions to keep more loans on the books for longer
CreditUnions.com 2022: Best Of Lending
December 26, 2022
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As we celebrate the holiday season, the office of Callahan & Associates will be closed Dec. 26 through Jan. 2. Enjoy this selection of the best of 2022, and we’ll see you in 2023. A Call For Cooperatives To Close The Racial Homeownership Gap GreenState Credit Union has committed $1 billion toward home loans
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.
Mortgage Sales Fall To Decades-Long Low
Sustained increases to the federal funds rate have driven credit unions to keep more loans on the books for longer
CreditUnions.com 2022: Best Of Lending
As we celebrate the holiday season, the office of Callahan & Associates will be closed Dec. 26 through Jan. 2. Enjoy this selection of the ...
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.
Browse Topics
Markets React To Consequential Announcements
Jason Haley
Look beyond the headlines to better understand what is driving current market trends and how they could impact credit union investment portfolios.
Meet The Finalists For The 2026 Innovation Series: Data And Decision Intelligence
Callahan & Associates
This year’s finalists are reimagining how credit unions use data to boost service levels and improve efficiencies.
A New Product Playbook Is Driving Change At Premier Credit Union
Savana Morie
In order to adopt a more proactive strategy, the Iowa cooperative is using a dedicated product development team to promote visibility and follow-through from idea to launch.
Meet The Finalists For The 2026 Innovation Series: AI-Powered Member Experience
Callahan & Associates
This year’s finalists are reimagining how credit unions can use AI to combine cutting-edge technology with old-school member service.
When Members Don’t Turn To FIs, They Turn To Friends And Family
Andrew Lepczyk
Financial advice comes in many forms. How can credits union make sure they are the No. 1 choice for their members?
Meet The Finalists For The 2026 Innovation Series: Reimagining The Lending Experience
Callahan & Associates
This year’s finalists are uncovering new ways to harness the power of technology to improve and expand lending across the industry.
A Small Match Builds Big Emergency Savings At Lake Trust
Aaron Passman
A program to help staffers improve their savings skills generated more than $200,000 in deposits and helped change participants’ financial habits.
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.