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Samantha Cristobal is an industry analyst at Callahan & Associates. As part of her responsibilities, Samantha assists credit unions with data analytics, teaches Peer-to-Peer and other Callahan analytical tools, and contributes to CreditUnions.com and other Callahan publications. She graduated from George Washington University with a Bachelor's Degree in business administration with a concentration in finance and a minor in economics.
Borrowers were incentivized to look for refinancing opportunities in the second half of 2019. With refinances projected to outweigh purchases through the first quarter of 2020, credit unions are primed for a strong start to the decade.
Despite slowdowns in indirect lending and auto loan demand, auto penetration and market share remain strong at year-end.
Gains to liquidity and member loyalty provide credit unions the flexibility and opportunity to serve their members financial needs into the new decade.
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Mortgage lending helps drive the loan portfolio to new heights while membership engagement deepens at cooperatives over the decade following the Great Recession.
First mortgage origination growth tops 12% as refinancing opportunities fuel activity.