Examine Critical Credit Union Industry Issues

Callahan's Credit Union Report provides you the analysis and insight to make informed decisions about the current credit union system

Every month, Callahan & Associates President Chip Filson, credit union leaders, and select experts provide commentary to help busy credit union executives stay engaged in the current credit union system.

From the most recent actions by NCUA to a major shift in the legislative environment, Callahan's Credit Union Report is your source for perspective on the future challenges and opportunities of the industry.

This month's discussion topic: Understanding OTTI
By now, we have all heard about OTTI. It is the primary factor in the negative financial performance of six corporate credit unions. But, do you really know what OTTI is? Do you know how OTTI losses are estimated? This month, we delve into OTTI, helping you understand its origins, why you should care about this, and what you can do in the midst of further assessments from NCUA.

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No single estimate is conclusive, let alone final.

By now, we have all heard about OTTI. It is the primary factor in the negative financial performance of six corporate credit unions. But, do you really know what OTTI is? Do you know how OTTI losses are estimated? This month, we delve into OTTI, helping you understand its origins, why you should care about this, and what you can do in the midst of further assessments from NCUA:

Two critical issues have been raised by credit unions from these events:

1. Are more substantial OTTI losses likley to occur? That is, what is the additional exposure a credit union may have to its (remaining) membership capital?

2. How do we resolve those few situations where losses will cause the corporate to be without capital and/or sufficient earnings capability to continue operations?

Previous Callahan Report topics: Creating a 'Plan B' vs. System Reform, the Local Advantage in Lending, Why Credit is Vital to the Credit Union System, and many more!

Order Your Subscription Now!
*online orders receive immediate access to the Callahan Report Online

Subscriptions Include access to ....
Past Issues

The Importance of Long-Term Member Value - Tangible and Intangible
The lifetime value of credit union membership is tremendous. But this lifetime value is difficult to communicate to members especially investments back into the credit union's infrastructures, and the value of being a member/owner rather than a customer.

Moving Out of Step, Getting Out of Line
Nationwide Insurance has hit on a new tactic for converting credit unions: buying the member. This is potentially the biggest challenge yet to the industry's survival. How should we respond?

Hearing Heralds New Era in Credit Union Significance
The past Ways and Means Committee hearing had caused a credit union search for community contribution. But such is only a portion of credit union benefit. Credit unions offer democracy not available through for-profit institutions, and they engender a spirit of cooperation that is essential to the progress of society.