eBrief: Kermit Was Wrong
When industry market giants start to wave the banner on any initiative, there are only two conclusions.
240 Reads
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eBrief: 4 Reasons to Offer PFM
Helping members better manage their finances increases the credit union’s bottom line in more ways than one.
280 Reads
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6 Degrees of SEG Relationships
Check off these six degrees of SEG relationships to assure you aren’t six degrees away from your potential members!
344 Reads
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Staying In Front of Mortgage Trends
In many ways, 2010 is going to be a dramatically different year. The recession which lasted throughout the first half presented a unique set of challenges for mortgage lenders, but this year’s hangover may yet produce a more complicated collection of conditions in which credit unions must compete.
386 Reads
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Credit Unions’ Potential & Actual Membership Continues to Grow while Penetration Rate Declines to 6.8%
Nationally, 12-month membership growth increased 1.9% through the third quarter of 2009 as consumers turned back toward local financial institutions and focused on saving. Additionally over the past 10 years, many credit unions have expanded their field of membership significantly, 1,900 by more than 200%.
823 Reads
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Accounting for Troubled-Debt Restructures: A Crash Course
In the waning days of 2009, the evidence is mounting that loan losses in credit unions have reached historic levels, and have contributed significantly to earnings degradation and capital erosion. Whether your credit union is in the sand states or just feeling the general effects of this severe recession, most likely you have regulators and auditors demanding ever-increasing adjustments to the Allowance for Loan Losses (ALL).
602 Reads
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Cost-Effective Growth Strategies for 2010
Is your membership increasing on par with your potential membership? Here are three suggestions for member growth in 2010.
656 Reads
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3 Internal Growth Strategies Marketers Can’t Ignore
Credit unions have hit 2010 running. Twelve-month membership growth at 3Q increased 1.91% as the industry set record pace in both loan originations and deposits. How do marketers build on this momentum while combating renewed vigor (see also: spending) from formerly beleaguered competitors
720 Reads
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Credit Unions Manage Mortgage Risk: Credit Risk
Mortgage lenders did not expect 2009 to be kind to their balance sheets. For consumers who lost their jobs, went underwater on their homes, or suffered through plunging net worth, paying the mortgage seemed an increasingly daunting task. The year wasn’t shaping up to be a “growth” year in the mortgage market.
541 Reads
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“Stabilization Income” Adds Another Layer to Stabilization Confusion
Just when you thought your 2009 income statement couldn’t get any more complicated, the September call report changed reporting practices once again. No doubt one of the biggest issues affecting credit union income statements this year has been the NCUSIF Stabilization Expense.
379 Reads
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