State In The Spotlight: New York
Both the average share balance and average share accounts per member for New York credit unions was higher than national averages.
Both the average share balance and average share accounts per member for New York credit unions was higher than national averages.
Credit unions share their best practices with CreditUnions.com all year. Here, Callahan’s staff writers share their selections for a handful of lesser-known pieces that are worth revisiting.
The government relations and engagement chief at Visions FCU shares how the New York-Pennsylvania-New Jersey credit union makes lobbying a team effort.
Managing risk and building relationships helps two small credit unions lend to C-D-E-paper borrowers.
High-interest savings programs, financial education, and in-school branches form the backbone of the western New York cooperative’s strategy.
How a new headquarters building and a community charter underpinned growth at Peru FCU.
Down payment assistance, home-buyer education, and savings plans are among the tools used by New York University FCU and San Mateo Credit Union to put members in homes in the hottest markets.
How financial services cooperatives are leveraging CDFI, NCUA, and NCUF grants to underwrite their expanding reach and impact.
There’s no secret code to control members’ actions, but gamification can still help credit unions encourage financially sound behavior.
Small Credit Union Roundtable kicks off GAC with diverse success stories, NCUA pitch for leveraging grant opportunities.

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.