Understanding key performance metrics will help gauge early successes and identify any operational adjustments needed to achieve strategic goals.
As interest rates tick up, the margin between interest income and interest expenses at U.S. credit unions slowly expands. Test your knowledge of the state of the net interest margin in the fourth quarter.
ROA for credit unions hit 0.96%. This is the highest it has been since the third quarter of 2003.
The net interest margin at credit unions nationwide increased as interest income expanded more than $3 billion in the past year.
Third quarter data reveals strong earnings momentum among the nation’s financial cooperatives.
A new strategy at Purdue Federal has delivered a $1.5 million bump in interest income and an anticipated 3-basis-point jump in ROA.
Interchange income at credit unions swaps places with punitive fees as a growing driver of industry revenue.
Credit unions generate income in a multitude of ways to stay competitive in a narrowing margin environment.
The national average for each of these six mighty metrics is less than 10 percentage points, but even a change of a few basis points can make a big difference to a credit union.
Besting national averages across various penetration and efficiency rates, financial cooperatives in the Keystone State are efficiently serving members and expanding books of business with their current staffing models.
As credit unions move from experimentation to adoption, leaders offer firsthand knowledge on what separates weak policies from strong ones that actually work.
How Members Cooperative focuses on structure, oversight, and clear expectations to ensure AI supports, not undermines, long term strategy.
As Hudson Valley Credit Union’s artificial intelligence chief, Preetha Sekharan holds a rare role in the industry, but it’s one that is likely to become far more common in the future.
Artificial intelligence for credit unions has moved from a future concept to today’s full-fledged leadership and governance challenge.
What happens when credit union performance data meets March Madness? Callahan’s proprietary model breaks down state-level results to forecast who takes home the hardware.
Nuvision’s Added Advantage program tracks member engagement across the credit union, then rewards relationships through better pricing and other perks.
CDFI grant funding helps the Florida cooperative offer microloans for small businesses after many banks pulled out of its market.
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.
Credit union and bank earnings reflect different business objectives. Those differences matter for how financial institutions serve their markets.
AI governance matters as much as innovation when it comes to AI. Learn how BCU built an AI practice that prioritizes data integrity, risk management, and real world decision making.
The Virtuous Circle Of Lower Fees And Higher Income