State In The Spotlight: Texas
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.”
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.
DFCU Financial has been in the media spotlight because of its bid to convert to a mutual savings bank. Find out how the credit union performed in the first three months of 2006.
Third quarter performance data showcases credit union successes in lending and shares.
Making it easy to modify loans increases yield and revenue while building loyal relationships to last beyond the original note.
Credit unions can and should identify HELOC candidates and win that business before interest rates rise.
Second quarter performance data showcases current and future areas of growth for credit unions, including loans, shares, and variety of income.
Deflating news to Patriots partisans: Callahan data points to Seahawks triumph.

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.