Niche Mortgage Products Fatten Loan Portfolio
Many credit unions develop specialized mortgage products for specific homeowner groups.
Many credit unions develop specialized mortgage products for specific homeowner groups.
Private student lending has grown significantly in the credit union space, but it’s also often been viewed with a skeptical eye. Here’s a look at the perceptions and realities.
Agency rule seen as especially favorable for real estate lending as regulatory relief languishes on Capitol Hill.
Rescue loans, allowance for loan and lease losses, strategies for non-indirect auto loan growth, and more this week on CreditUnions.com.
Manatee Community uses a stair-step loan strategy to help members establish a relationship with a financial institution, build savings, build credit, and apply for unsecured funds.
Veridian Credit Union’s Green Initiative Project includes auto and home improvement loans to encourage members to make eco-friendly choices.
California-based Travis Credit Union combines the credit union experience with cultural customs.
Point-of-sale consumer lending in retail and medical services can help increase loan portfolios and distinguish local credit unions from large, universal banks.
Credit unions with niche portfolios offer advice to prospective lenders.

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.