Financial Performance

Dividends

By Aman Johal | Aug. 17, 2017

Star One Credit Union and Dow Chemical Employees Credit Union posted impressive dividend numbers in the second quarter of 2017.

By Greg Gonsalves | May 29, 2017

Strategies to reward loyal patrons differ among financial institutions as well as from region to region.

By Michelle Parker | Dec. 1, 2016

Besting national averages across various penetration and efficiency rates, financial cooperatives in the Keystone State are efficiently serving members and expanding books of business with their current staffing models.

By Rebecca Wessler | Oct. 18, 2016

This quarter, Credit Union Strategy & Performance is all about showing off successes and looking forward to the future.

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 Ted Goldwyn | Sept. 28, 2015

A Colorado credit union’s popular CD special drew in $80 million as well as rate chasers looking for a good deal during bad times.

By E.C. Harrison | Sept. 21, 2015

CoVantage Credit Union’s $1.7 million patronage payout in 2014 marked the 33rd consecutive year the Wisconsin credit union has returned extra value to its loyal member-owners.

By Erik Payne | Sept. 21, 2015

Workers’ Credit Union started its patronage dividend in 2013. In 2015, it wants to give back $3 million to its membership. Here’s how.

By Marc Rapport | Sept. 21, 2015

A 2015 Callahan & Associates survey finds capital is a key reason to pay out to members. Yet despite the fact everyone likes to get money back, financial cooperatives don’t appear concerned about reaping the positive publicity.

By Rebecca Wessler | Sept. 21, 2015

Paying a patronage dividend helps engender loyalty among a credit union's membership and strengthens its brand in the community.

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By Sharon Simpson | Sept. 15, 2014

Bonus dividends help credit unions stand out from banks and increase their member rosters.

By Catherine Siskos | April 11, 2014

Introducing monthly dues was a risky move for Arizona Federal. Yet one year later, the credit union has a more engaged membership as a result.

By Janet Lee | Feb. 24, 2014

Credit unions have much to celebrate when they visit their legislators during this year's GAC. Here are five significant ways credit unions impacted their communities and members in 2013.

By Janet Lee | Nov. 8, 2013

By Alix Patterson | Oct. 15, 2013

By Andrew Bolton | July 30, 2013

By Andrew Bolton | May 1, 2013

By Yun Ma | April 18, 2013

With dividend bonuses, credit unions drive home the message that their members are appreciated by timing the payouts with a holiday.

By Yun Ma | April 15, 2013

Distributing patronage dividends is a great way to educate members about the benefits of credit unions and encourage them to use more services.

By Callahan & Associates | Sept. 10, 2012

The ability to create shared member value differentiates credit unions from other financial services providers.

By Randy Karnes | Nov. 21, 2011

Turn to a model of thinking that embraces consumer ownership and member’s economic participation.

By Rebecca Wessler | Sept. 19, 2011

For more than 30 years, MECU of Baltimore has offered a year-end dividend to reward loyal members. Now, the Maryland credit union provides a summertime boost as well.

By Lydia Cole | Sept. 5, 2011

A post-merger financial analysis of United Federal Credit Union.

By Brooke C. Stoddard | July 1, 2011

Green Bay's PCMCU uses generous member rebates to turn its hefty capital ratiointo a member benefit.

By Thomas Cullen | Dec. 20, 2010

Patronage dividends enhance relationships and the bottom line, but they demand a thorough cost-benefit analysis.

By Chip Filson | Dec. 20, 2010

Positive indicators abound for credit unions, and it’s never too soon to start lifting expectations.

By Rebecca Wessler | July 29, 2010

In challenging market and regulatory environment, building member loyalty is one way to foster future success.

By Rebecca Wessler | July 20, 2010

A message from the banking sector provides a ray of light contrary to gloom and doom forecasting.

By Rebecca Wessler | July 19, 2010

In a time of industry-wide reduced patronage dividend payouts, Doug Fecher offers his thoughts on how Wright-Patt Credit Union returns value to its members.

By Aaron Pugh | July 1, 2010

The economic strength of CUSOs, signified by large yearly dividends and the success of the CUSO-centric services such as shared branching, boost the finances of participating credit unions and create a healthier bottom line for the industry.

By Nick Connors | May 12, 2010

With over 7,500 credit unions reporting March data in our FirstLook program, the industry as a whole remains in the black for the fourth consecutive quarter.

By Elliott Kashner | July 13, 2009

Three mutually reinforcing relationships at the core of the virtuous cycle promote credit union growth, even during times of economic fluctuation.

By Nick Connors | Aug. 11, 2008

One of the most important issues facing credit unions today is capital options. San Francisco Fire CU has developed an innovative solution in the form of their Member Capital Account.

By Nick Connors | June 16, 2008

While the average credit union ROA may have slipped in the first quarter of 2008, a little perspective can go a long way.

By Mike Werstuik | April 14, 2008

As earnings have been a major focus in the credit union media, the cause for the decline in net income may not be what you think. Two CUs also share their thoughts on the current environment.

By Lydia Cole | Dec. 17, 2007

Interest refunds and bonus dividends offer members additional value, extend the cooperative model, and differentiate your CU from the neighborhood bank.

By Lydia Cole | Dec. 3, 2007

Credit unions around the U.S. differentiate themselves by giving patronage refunds. What can we learn from their example?

By Callahan & Associates | Dec. 1, 2007

Three recent credit union announcements of patronage refunds as presented on the Credit Unions’ websites.

By Chip Filson | Dec. 1, 2007

Credit unions that make patronage refunds – rebates on loans and bonus dividends on savings – have the confidence to act on their vision of what credit unions should be. In this they have made a unique credit union differentiator and demonstrated some inspiring leadership.

By Lydia Cole | Nov. 19, 2007

340 credit unions disbursed $67.5M in interest refunds to members in 2006. Should more credit unions think about the practice for 2007?

By Callahan & Associates | July 1, 2007

The first quarter was a good start in more ways than one.

By Jay Johnson | March 19, 2007

Ensuring employees understand the credit union difference is critical in educating members. One idea for how to demonstrate the difference to both may be to post recent press releases – the value difference in clear.

By Jon Jeffreys | March 13, 2006

Activist investors may be a thorn in the side of corporate America, but thinking like they do can focus credit union decisions about capital and investing.

By Molly Francis | March 6, 2006

Financial services headlines are talking about the impact of the changing bankruptcy law on the bottom line. During 2005, loan balances subject to bankruptcy in credit unions rose by 17 percent. But is this really what caused a decline in ROA?

By Tom Geggel | Nov. 28, 2005

Learn six distinct strategies to grow your shares in a period of slow growth. These best practices range from tiered pricing and bonus dividend approaches to marketing promotions.

By Tom Geggel | Oct. 31, 2005

The net spread per employee ratio is a productivity measure that portrays a wide array of business models among credit unions over $1 billion in assets.

By Tom Geggel | Oct. 24, 2005

CUs' dividend payout ratio dropped from 43 percent in 1998 to a low of 23 percent at the end of 2004. Are credit unions caught between a rock and a hard place?