Michael Zelna

Michael Zelna is an industry analyst at Callahan & Associates. As part of his responsibilities, Michael supports research and data-driven written analysis for CreditUnions.com as well as other Callahan publications. In addition, Michael provides real-time support to clients regarding Callahan’s analytics software. Prior to his current position, he worked on the advisory services team as an account management associate. Michael graduated from The Catholic University of America with a bachelor’s degree in finance.


By Michael Zelna | Feb. 22, 2021

Auto lending continues to dominate in penetration and market share; loan quality also improves.

By Michael Zelna | Dec. 14, 2020

Credit unions in the West reported the largest decline in ROA. See what else has happened across the United States.

By Michael Zelna | Dec. 14, 2020

Concerned with cooperative values and not stock prices, credit unions have sacrificed short-term earnings to bolster reserves and give members a break on fees.


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By Michael Zelna | Oct. 19, 2020

Credit unions have made deposit and market share gains during the year; now, many must re-evaluate their branch channels as they work to better align products and services with the changing needs of members.


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