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.

The credit union completed a three acre headquarters campus in 2021 that offers 52% more space while consuming a fraction of the resources. It’s a model of how cooperatives can lead on sustainability without sacrificing performance.

CDFI credit unions might be fewer in number, but their impact reaches millions of members, and their footprint highlights how targeted mission can translate into broad, measurable reach.

Preventable fraud losses quietly erode credit union margins. The difference between a 25% and 6% loss rate isn’t risk. It’s execution.

Holy Rosary Credit Union has embedded itself into a local high school’s career and technical education program, offering scholarships, internships, and courses eligible for college credit.

Credit union leaders want to know where peers are placing their focus. These six priorities reflect how leadership teams are responding to change with intention and clarity.

As margin support begins to fade, earnings performance is becoming more sensitive to revenue mix and harder to interpret through public reporting alone.

Harvard FCU combines digital estate planning with human financial guidance to support positive, proactive wealth transfer across generations.

Discover how small to midsize credit unions can weather the economic headwinds hitting their communities right now.

Look beyond the headlines to better understand what is driving current market trends and how they could impact credit union investment portfolios.

At Service Credit Union, Dave Widener connects data, strategy, and culture to shape better outcomes for members.