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ARTICLES BY Liz Furman

By Liz Furman | Sept. 3, 2018

Better understand how to serve different generations with this guide from Callahan & Associates.

By Liz Furman | Aug. 27, 2018

Different generations require different conversations. This interactive series shows how credit unions can serve all ages.

By Liz Furman | Aug. 20, 2018

Different generations require different conversations. This interactive series shows how credit unions can serve all ages.

By Liz Furman | Aug. 13, 2018

Different generations require different conversations. This interactive series shows how credit unions can serve all ages.

By Liz Furman | Aug. 7, 2018

Different generations require different conversations. This interactive series shows how credit unions can serve all ages.

By Liz Furman | Aug. 7, 2018

Credit card availability and use are on the rise. So are delinquency and charge-off rates.

By Liz Furman | July 2, 2018

Credit union auto lending growth revs up top-line growth.

By Liz Furman | June 11, 2018

Student lending at credit unions increased 14.0% to $4.0 billion in the first quarter of 2018. Test your knowledge of student lending in this data quiz.

By Liz Furman | June 4, 2018

Take this industry performance pop quiz from Callahan & Associates to learn about trends in credit union auto lending.

By Liz Furman | May 7, 2018

Credit unions headquartered in the Central Region reported more loan accounts per members than those headquartered in other states. In what other areas did these cooperatives excel?

By Liz Furman | April 9, 2018

No credit union exists solely to serve millennials ... yet. However, making up First Millennial Credit Union brought to light what its creators really want from a financial institution.

By Liz Furman | April 9, 2018

Credit card balances, penetration, and usage all grew at credit unions in the last quarter of the year.

By Liz Furman | April 1, 2018

At year-end 2016, see which credit unions lead the way in six key cooperative metrics.

By Liz Furman | Feb. 28, 2018

Lending, savings, community support, and more. Credit unions had a busy year.

By Liz Furman | Feb. 19, 2018

Don’t hike the hill on an empty stomach. Stop in to one of these recommended restaurants during the GAC.

By Liz Furman | Jan. 1, 2018

With investment rates rising, investment growth and yield on investments increase.

By Liz Furman | Dec. 25, 2017

Net interest margin and provision expense both rise, leading to flat ROA.

By Liz Furman | Dec. 18, 2017

These ratios help credit unions deliver excellent member value while also maintaining productive and efficient operations. Operational strategy impacts productivity and efficiency metrics. It’s important for credit unions to strike the right balance for their strategy while bearing in mind national averages.

By Liz Furman | Dec. 11, 2017

It's taken for granted that small credit unions are more reliant on fee income. But are they really?

By Liz Furman | Dec. 1, 2017

Quarter-over-quarter, credit union investments shrank 3.0% as credit unions diverted assets from the investment portfolio to the loan portfolio.

By Liz Furman | Dec. 1, 2017

To say goodbye to this quarter’s Strategy & Performance, find the 14 credit unions whose names are reminiscent of Europe.

By Liz Furman | Nov. 29, 2017

Earning assets are the majority of assets at credit unions. What factors impact how credit unions can leverage them?

By Liz Furman | Nov. 15, 2017

SEGs and local businesses help credit unions capture IRA and Keough balances.

By Liz Furman | Nov. 13, 2017

Secondary market sales of burgeoning credit union mortgage share remains dominant, but credit unions are selling more loans to each other, too.

By Liz Furman | Oct. 30, 2017

New HMDA data illuminates which credit unions, banks, and mortgage finance companies generate the most mortgages across the country.

By Liz Furman | Oct. 17, 2017

Did your state increase mortgage market share? See what state-level trends emerged with the recently released HMDA data.

By Liz Furman | Sept. 22, 2017

The much-publicized Google memo got me thinking. Finance is a traditionally male-dominated field. In credit union land, 51.4% of CEOs are female yet collectively manage only 18.5% of the industry’s assets.

By Liz Furman | Sept. 11, 2017

Do delinquencies and charge-offs suggest the economic recovery faces extinction?

By Liz Furman | Sept. 1, 2017

The following ideas are sure to increase employee engagement and satisfaction at any credit union.

By Liz Furman | Sept. 1, 2017

Investment growth at credit unions has been positive for four out of the past six quarters.

By Liz Furman | Sept. 1, 2017

Hawaiian credit unions are performing well in mortgage, auto loans, and regular savings products; however, financial cooperatives in the Aloha State have an opportunity to increase members relationships further via loans and long-term saving products.

By Liz Furman | July 24, 2017

Deciding whether, and with whom, to merge can be tricky. Use this list to spark conversations that will lead to a deeper understanding of the benefits, drawbacks, and other implications.

By Liz Furman | July 3, 2017

Contextualizing costs based on location can make a big difference when analyzing the bottom line.

By Liz Furman | July 1, 2017

Total revenue reached $15.5 billion in the first quarter of 2017. That’s up 8.1% year-over-year from the $14.3 billion credit unions posted in the first quarter of 2016.

By Liz Furman | July 1, 2017

With rising Federal Reserve rates and increased consumer confidence, the credit union industry posted positive year-over-year investment growth in the first quarter for the first time since 2013.

By Liz Furman | July 1, 2017

Grab a towel and relax by the water with this credit union crossword puzzle.

By Liz Furman | June 19, 2017

In this interview with CUbroadcast's Mike Lawson, Callahan industry analyst Liz Furman highlights auto lending trends and more from CU Direct's DRIVE17.

By Liz Furman | June 12, 2017

Online shoe retailer Zappos energizes, rewards, and celebrates employees. Steal these ideas to increase employee engagement and satisfaction at any credit union.

By Liz Furman | June 7, 2017

Takeaways from CU Direct’s DRIVE17 include the importance of speed, the impact of innovation, and improvements in dealer relationships.

By Liz Furman | May 10, 2017

Mortgage loan originations had a strong first quarter, but credit unions are keeping a larger percentage of mortgages on their books.

By Liz Furman | May 1, 2017

Use this strategy from Granite to take your MMAs from sedimentary to igneous.

By Liz Furman | April 3, 2017

Cybersecurity is a leadership issue but requires action from the entire enterprise.

By Liz Furman | April 1, 2017

Mergers are on the rise, but smaller credit union still continue to play an important role in the industry.

By Liz Furman | March 27, 2017

What electronic services do credit unions offer?

By Liz Furman | Feb. 28, 2017

After Bitterroot Community FCU in Montana opened a new branch, it posted a 21.2% increase in new members.

By Liz Furman | Feb. 23, 2017

Washington, DC, is home to more than 2,000 restaurants. Which ones are worth a visit while attending the 2017 Governmental Affairs Conference?

By Liz Furman | Feb. 21, 2017

Credit unions added more than 10,000 employees nationwide over the course of 2016.

By Liz Furman | Jan. 30, 2017

The national average for each of these six mighty metrics is less than 10 percentage points, but even a change of a few basis points can make a big difference to a credit union.

By Liz Furman | Jan. 7, 2017

Credit unions have ramped up marketing efforts and are reaping the benefits.

By Liz Furman | Dec. 12, 2016

Use these metrics to better understand what third quarter auto data means to a credit union’s loan portfolio.

By Liz Furman | Dec. 5, 2016

A top-line evaluation of the market is a great way to begin assessing a new or existing core processor relationship.

By Liz Furman | Dec. 1, 2016

More options might seem like a good idea, but streamlined offerings also benefit both credit unions and their members.

By Liz Furman | Dec. 1, 2016

13 words and phrases that will help you fit right in with the millennial generation. Plus, a word search of credit union whose names call to mind these phrases.

By Liz Furman | Nov. 30, 2016

Credit union asset, loan, share, and member growth were strong in the third quarter of 2016, both for the industry and on a state-by-state level.

By Liz Furman | Nov. 15, 2016

With market uncertainty, it’s surprising to see a quarter-over-quarter and year-over-year increase in investments. Less surprising is the attraction of short-term investments.

By Liz Furman | Nov. 14, 2016

Callahan & Associates surveyed 333 credit unions to learn about automated decisioning practices in the consumer lending portfolio. Read about the results in this interactive article.

By Liz Furman | Nov. 14, 2016

Callahan & Associates surveyed 333 credit unions to learn about automated decisioning practices in the consumer lending portfolio. What did it find?

By Liz Furman | Nov. 4, 2016

In episode No. 658, Callahan Industry Analyst Liz Furman digs deep into national and regional data and debunks the myth that credit union membership and asset growth is strictly due to mergers.

By Liz Furman | Oct. 19, 2016

In honor of International Credit Union Day, Callahan spotlights credit unions of all sizes that return the most value to members.

By Liz Furman | Oct. 18, 2016

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.”

By Liz Furman | Oct. 17, 2016

How credit unions, assets, and member relationships have evolved the past decade and a half.

By Liz Furman | Sept. 29, 2016

Student lending predatory practices at big banks highlight the credit union difference.

By Liz Furman | Sept. 26, 2016

How do financial cooperatives in the Lone Star State stack up against other credit unions?

By Liz Furman | Sept. 26, 2016

Five graphs show how technology offers a competitive advantage.

By Liz Furman | Sept. 20, 2016

Callahan & Associates has launched a new way to help clients get the data they need, when they need it.

By Liz Furman | Sept. 19, 2016

Credit unions step up to empower members with responsible student lending options.

By Liz Furman | Sept. 12, 2016

Want to win at data? Then look no further than the newsletter that is built to help you do that and more.

By Liz Furman | Aug. 22, 2016

Loans surpassed $800 billon in the first three months of the year. Here’s how to make sure the industry's growing portfolio stays strong.

By Liz Furman | Aug. 22, 2016

New car balances take up more of the portfolio, but big credit unions find big business in indirect lending.

By Liz Furman | Aug. 19, 2016

Second quarter data shows the industry’s ROA is up quarter-over-quarter but slightly down year-over-year.

By Liz Furman | Aug. 15, 2016

As strategic planning season rolls in, consider what metrics will showcase the credit union to members, the board, and the community.

By Liz Furman | Aug. 11, 2016

Like your golf score, your credit union’s efficiency ratio should be low.

By Liz Furman | Aug. 5, 2016

Overall delinquency is following the traditional cycle, but this year’s numbers might indicate a break in generally declining delinquency rates.

By Liz Furman | June 13, 2016

Risk managers monitor disparate areas of the credit union. For key ratios to follow, start with the measures that correspond to the risk indicators outlined by the NCUA.

By Liz Furman | June 6, 2016

Indirect auto lending overtook direct lending one year ago, and first quarter data shows no sign of a slow down.

By Liz Furman | May 30, 2016

Low oil prices can seem great at the pump, but some states are feeling the pinch.

By Liz Furman | May 10, 2016

Membership growth is on the rise across the industry, but the performance of one New York credit union makes it a notable outlier.

By Liz Furman | April 18, 2016

Here’s how CUSOs and sales to secondary markets affect non-interest income.

By Liz Furman | April 11, 2016

Spring is an excellent time to assess efficiency and clean up clutter to make way for new products and measures.

By Liz Furman | March 29, 2016

The NCAA tournament is down to the Final Four, and regional credit union performance data from Callahan & Associates has predicted the winner.

By Liz Furman | March 21, 2016

Which financial cooperatives are maximizing non-interest income without raising service fees for members? Find out in this Callahan leader table.