3 Takeaways From Trendwatch 2Q 2019
Both sides of the balance sheet and the income statement see significant changes in the second quarter.
Both sides of the balance sheet and the income statement see significant changes in the second quarter.
Staffing costs are a typical credit union’s largest operating expense; therefore, tracking the performance of the workforce is crucial.
Metrics to evaluate credit union marketing spend and bridge the gap between macro trends and micro performance.
Understanding key performance metrics will help gauge early successes and identify any operational adjustments needed to achieve strategic goals.
U.S. credit unions reported a 169-basis-point decline in the efficiency ratio year-over-year. And that’s a good thing.
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.
The credit union industry’s efficiency ratio of 69.8% as of June 30 was the lowest it’s been since 2010.
Credit unions in the Mid-Atlantic reported faster MBL growth than credit unions outside the region. In what other areas did these Mid-Atlantic cooperatives excel?
Contextualizing costs based on location can make a big difference when analyzing the bottom line.
Credit unions generate income in a multitude of ways to stay competitive in a narrowing margin environment.
First quarter data shows how rising costs are pushing consumers toward flexibility and reshaping borrowing and saving habits.

A dedicated CUSO holding company allows WSECU to move beyond building and back fintech partners it helps shape and scale.

Advancial FCU links internal service standards, employee feedback, and peer recognition to create a more consistent experience for both staff and members.

MSUFCU takes a hands-on approach to fintech, piloting solutions through its in-house lab before scaling and backing them through a wholly owned CUSO.

Affinity Plus FCU has a clear member service mantra: digital for daily, human when it’s hard. Its CEO and CFO share what that looks like in practice.

The New Hampshire cooperative shares how its fintech arm, Service Ventures, evaluates investments, balances risk, and defines success.

Industry leaders share how they approach fintech investment, balancing immediate needs with longer-term bets while keeping member value and mission at the center.

New data from Gallup shows half of all employees who work for companies that pay for AI tools use them. Credit unions are building their own momentum.

For Mike and Dave Valentine, the family business just happens to be credit unions. The father-son duo talk leadership styles, cooperative values, and the lessons they’ve learned from each other along the way.

People who are truly financially thriving have both means and a sense of security that comes from confidence about the future. Building that kind of emotional engagement requires a deliberate design of everyday interactions.