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Strategy & Performance 4Q 2015

Letter From The Editor
Hello Again
Credit Union Strategy & Performance is in new, but familiar, hands.

Consumer Sentiments & Employee Insights (4Q 2015)
Real comments from online review sites can help credit unions fortify morale on the frontline, find a middle ground between vocal members and the silent majority, and learn how to loan for a lifetime.

On Leadership
Kim Alexander On Leadership
The Warren Federal Credit Union executive vice president and chief financial officer talks team leadership, growth management, and sitting tall in the saddle — no matter the challenge.
By E.C. Harrison

It’s Kickoff Time For The Housing Season
As the season for home sales approaches, the outlook for mortgage lending remains positive.
By Dwight Johnston

State In The Spotlight: Virginia
Virginia credit unions set records in loan originations, members, shares, loans, and much more in 2015. More members than ever are choosing Virginia credit unions as their financial institution of choice, driving up penetration metrics and average member relationships across the state.

Industry Performance

Purpose Drives Performance
Credit unions are operating from a position of strength; now, credit union leaders want to leverage that strength to have a greater impact on their members and communities.
By Jay Johnson

Industry Performance By The Numbers
A break down of the industry’s financial performance and impact in fourth quarter 2015.

The Consolidated Credit Union Financial Statement

Peer Group Comparisons
Summary Financial Profiles

Credit unions of various sizes can easily compare their business models against institutions of similar sizes using these summary income statements and balance sheets.

Peer Group Comparisons
Performance Scorecard

It’s never been easier to compare the quarterly performance of up to three credit unions using Callahan's Search & Analyze online reports. The Performance Scorecard shows stats for the average credit union in eight peer groups.

Credit Union Annual Report


Financial Wellness Is More Than A Campaign Pledge
Credit unions have the opportunity to build on historic growth by helping members achieve fiscal fitness, one family at a time.
By Jon Jeffreys

2015 Credit Union Impact Report (infographic)
Lending, savings, community support, and more. Credit unions had a busy year.
By Sam Taft

Leader Table
Return Of The Member
Which credit unions topped the charts in returning value to members?

Leader Table
Member Relationship Growth
Which credit unions posted the largest growth in loan and share balances per member?

Leader Table
CUSO Investments
Which credit unions are investing dollars in and loaning money to credit union service organizations?

Leader Table
Share Draft Penetration
Which credit unions are members choosing to make their primary financial institution?

Leader Table
Auto Loan Penetration
There are 20 credit unions that boast an auto loan penetration rate of more than 50%. Who are they?

Leader Table
First Mortgage Origination Growth
Which credit unions lead the nation in 12-month first mortgage origination growth?

2016 Economic Outlook
Callahan's annual executive outlook survey shines a light on the challenges and opportunities for credit unions in the months ahead.
By Marc Rapport

2016 Priorities At-A-Glance
Competition, regulation, and business analytics remain key strategy drivers, with an overlay this year of rising rates and the impact that could have on lending, deposits, and more.
By Marc Rapport

Anatomy Of A Credit Union

Anatomy Of Langley Federal Credit Union
How the Virginia-based institution introduced a culture of growth and set an ambitious goal for the end of the decade.
By Erik Payne


Ideas In Action: 6 Big Ideas For 2016

Financial Wellness Is A Big Idea For 2016
Now's the time to double down on the credit union difference and spread financial wealth and wellness.
By Jay Johnson

Crowdfunding Is A Big Idea For 2016
Crowdfunding provides opportunities for credit unions, small businesses, investors, and local communities.
By Jon Jeffreys

Team Development Is A Big Idea For 2016
Why three credit unions are turning to team-based learning to develop current and future leaders.
By Sharon Simpson

Responding To Cyberthreats Is A Big Idea For 2016
Cyber risk touches every part of a credit union, so CEOs and other members of the C-suite must prepare for real-time, hands-on management of such events.
By Chris Howard

Building Relevancy Is A Big Idea For 2016
Brad Green, CEO of Listerhill Credit Union, discusses how the Alabama institution searches for relevancy, speaks to Gen Z, and captures business at the point of purchase.
By Erik Payne

Disruptive Collaboration Is A Big Idea For 2016
If credit unions can embrace the idea of Collaboration 3.0, they can become the disruptors rather than the disrupted.
By Chris Howard

Technology@CU: Mobile Mobile Everywhere

Mobile Onboarding That Works In And Out Of The Branch
As USAlliance works to increase traffic to its remote channels, it recognizes the branch is still the No. 1 place to deepen relationships and cross-sell.
By Marc Rapport

How To "Go Mobile" And Reach Young Members
Altra Credit Union's specialized strategy to develop relationships with youth and gain long-term loyalty has helped the Wisconsin institution decrease its average member age by five years.
By Sharon Simpson

The Eyes Have It At Arizona Federal Credit Union
Members of this Grand Canyon State cooperative are giving new identity authentication choices the thumbs-up.
By Sharon Simpson

Mobile Services And Delivery Channels (infographic)
Members expect more options for technology and convenience than ever before. The power of mobile not only provides that for members but also helps credit unions reduce costs.
By Stephanie Clark

How To Keep Pace In A Changing Payments Space
Navy Federal offers the newest solutions in mobile wallets and shares how smaller credit unions can, too.
By Ted Goldwyn


The Ownership Difference Is Black And White
Credit unions are a financial services option different by design. So why not show members what they are a part of right from the get-go?
By Rebecca Wessler

The Last Word
Fair Weather Friends
Find your favorite weather and nature references in the names of credit unions location from the scorching Southwest to the frigid North.
By Leigh Anne Terry and Maya Neuman


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