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.
As the Federal Reserve cuts interest rates, credit unions are adapting in tandem, balancing membership needs with asset quality. This balance will be one of many topics discussed during Callahan’s quarterly Trendwatch webinar.
Falling interest rates are changing the game for credit unions. Explore how potential shifts in lending, savings, and margins are set to affect the bottom line.
Despite economic uncertainty, credit unions and their members are displaying resilience through methodical improvement.
The U.S. economy is throwing up mixed signals, but America’s credit unions are delivering value and, in turn, enjoying deeper relationships, higher originations, and a stronger bottom line.
With economic uncertainty on the horizon, credit union members are moving money into lower-term deposits and paying down debt, helping to boost margins and lower delinquency across the industry.
With shares outpacing loans and indirect lending bringing in fewer members, credit unions focused on what they do best in the fourth quarter: serving core members.
Member-first strategies come to the forefront in a changing rate environment.
With the Fed poised to continue cutting interest rates, the near-term outlook for the credit union earnings model is much more promising.
Credit unions leverage their member-first mission to better serve all members, even those of modest means, making cooperatives especially valuable in challenging economic times.
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.