Earnings By The Numbers (3Q18)
ROA for credit unions hit 0.96%. This is the highest it has been since the third quarter of 2003.
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.
The Loan Star State has the highest number of credit unions at 475, and its stellar growth and member metrics evokes the saying “Don’t mess with Texas.”
Lending and asset growth have been capturing industry headlines, but tight margins from sustained low interest rates and slowly rising operating expenses make some other benchmarks worth watching.

Longer onboarding, focus groups, and peer leadership help Community First retain strong employees year after year.

Kelli Wisner-Frank serves as the linchpin between finance and innovation at Community Choice Credit Union, aligning automation, smarter processes, and cost discipline to turn behind the scenes fixes into front line — and bottom-line — wins.

Delivering human-centered service in a digital world is no longer a luxury for credit union contact centers — it’s a necessity.
The CEO of Adventure Credit Union shares tips to maintain credibility amid rapid executive turnover and organizational change.

A cross-functional team comprising nearly 20% of staff helped the Maryland-based credit union manage the crisis while staying focused on helping members.

When money stops making sense, people suffer a crisis of financial confidence. Now’s the time to reconnect with members to help them establish long-term stability.

From the teller line to the corner office, CEO Cheryl Sio’s story spans five decades of industry transformation and enduring leadership lessons.

Structured protection strategies provide potentially higher long-term total returns than bonds while muting the volatility and downside risk traditionally associated with equities.

The CEO of Peninsula Community Federal Credit Union highlights how active listening and lessons from the basket ball court shape a culture of inclusive banking that serves members and employees.

Look beyond the headlines to better understand what is driving current market trends and how they could impact credit union investment portfolios.
The Virtuous Circle Of Lower Fees And Higher Income