Financial Performance

Non-Interest Income (NII)

By William Hunt | May 17, 2021

The lasting effects of the COVID-19 pandemic — and the national economic response to it — linger on credit union financial statements.

By Sam Taft | Jan. 11, 2021

Spread analysis deconstructs credit union earnings to gauge the health of an institution and its broader industry.

By William Hunt | Oct. 26, 2020

A study of performance data from nearly 150 credit unions sheds light on what is happening beneath the broad categories represented on the 5300 Call Report.


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By William Hunt | July 22, 2020

Early data from Callahan & Associates’ new non-interest income tool shows dramatic differences in NII strategy among credit unions.

By Samantha Cristobal | Dec. 10, 2018

Credit unions covered their operating expenses with net interest income alone for the first time in seven years.

By Rebecca Wessler | March 26, 2018

Five can’t-miss data points this week on

By Rebecca Wessler | March 12, 2018

Five can’t-miss data points this week on

By Ian Melhorn | March 12, 2018

The need for credit unions to generate non-interest income continues to grow in a narrowing margin environment.

By Rebecca Wessler | Dec. 12, 2017

Four can’t-miss data points this week on

By Liz Furman | Dec. 11, 2017

It's taken for granted that small credit unions are more reliant on fee income. But are they really?

By Jay Johnson | Sept. 18, 2017

Interchange income at credit unions swaps places with punitive fees as a growing driver of industry revenue.

By Marc Rapport | Aug. 28, 2017

Interest on loans drive the income train, but other revenue streams are steaming along.

By Ian Melhorn | June 5, 2017

Credit unions generate income in a multitude of ways to stay competitive in a narrowing margin environment.

By Michelle Parker | March 27, 2017

Callahan data shows there is a growing reliance on NII in keeping credit unions surviving and thriving.

By Erik Payne | Feb. 22, 2017

Loans, member relationships, and sources of non-interest income. How did credit unions perform in fourth quarter?

By Sharon Simpson | Jan. 2, 2017

Five lessons in setting short- and long-term goals.

By Sharon Simpson | Dec. 26, 2016

Five lessons in growing and improving the credit union deposit portfolio.

By SWBC | Dec. 26, 2016

The Indiana credit union increased GAP sales by nearly 50% by thinking outside the vehicle protection box.

By Marc Rapport | Dec. 20, 2016

Overlooked editorial gems provide insight and inspiration for the challenges and opportunities that lay ahead in 2017.

By Callahan & Associates | Nov. 21, 2016

Total revenue for all credit unions topped $29 billion in the second half of 2016. Learn what happened with interest income, non-interest income, and ROA.

By Rebecca Wessler | Oct. 17, 2016

Five can't-miss data points featured this week on

By Callahan & Associates, Inc. | Oct. 14, 2016

Callahan & Associates and Dave Mooney, CEO of Alliant Credit Union, discuss the value of non-interest income, the top and emerging sources, and ways to boost this type of income at your credit union.

By Erik Payne | Oct. 10, 2016

In a state affected by coal restrictions, the Kentucky-based cooperative finds an avenue for non-interest income that doesn’t require raising rates or fees.

By Michelle Parker | Oct. 10, 2016

How do credit unions in the Buckeye State stack up against regional peers?

By Rebecca Wessler | Oct. 10, 2016

Four can't-miss data points featured this week on

By Callahan & Associates | Sept. 28, 2016

A monthly collection of Callahan content that, together, addresses a single topic from a variety of perspectives.

By Liz Furman | Sept. 26, 2016

How do financial cooperatives in the Lone Star State stack up against other credit unions?

By Marc Rapport | Sept. 19, 2016

Michigan’s Genisys Credit Union meets member needs while boosting its bottom line.

By Rebecca Wessler | Sept. 19, 2016

Five can't-miss data points featured this week on

By Michelle Parker | Sept. 12, 2016

In July 2016, Callahan & Associates surveyed 170 credit union executives from 40 states to gain insight into their current and emerging sources of non-interest income.

By Rebecca Wessler | Sept. 6, 2016

Five data points from this week on

By Marc Rapport | Sept. 4, 2016

The Illinois credit union has a lower-than-average reliance on non-interest income and plans to increase those revenue streams in the coming years.

By Callahan & Associates | Aug. 29, 2016

See how the credit union uses CUSOs to diversify its sources of non-interest income.

By Michelle Parker | Aug. 22, 2016

Callahan & Associates surveyed 170 credit union executives to gain insight into their current and emerging sources of non-interest income.

By Callahan & Associates | Aug. 19, 2016

In July 2016, Callahan & Associates surveyed 170 credit union executives from 40 states to gain insight into their current and emerging sources of non-interest income.

By Callahan & Associates | Aug. 19, 2016

In July 2016, Callahan & Associates surveyed 170 credit union executives from 40 states to gain insight into their current and emerging sources of non-interest income.

By Liz Furman | Aug. 19, 2016

Second quarter data shows the industry’s ROA is up quarter-over-quarter but slightly down year-over-year.

By Marc Rapport | Aug. 8, 2016

The Los Angeles-based credit union sees a bright future for its “non-punitive” insurance option.

By Stephanie Clark | May 10, 2016

With a few weeks to go before the NCUA officially releases first quarter data, early numbers reveal four notable highlights for total income, income composition, fee income, and more.

By Sam Taft | April 19, 2016

Credit unions must continue to build diversified income streams that strike a balance between profit and purpose.

By Susan Levi Wallach | April 18, 2016

How an Iowa credit union increased its interchange revenue by 41% over four years.

By Erik Payne | April 18, 2016

How Members 1st Federal Credit Union sells mortgages and makes itself more efficient.

By Marc Rapport | April 18, 2016

A debit payback program at Warren FCU builds member interest and non-interest income.

By Liz Furman | April 18, 2016

Here’s how CUSOs and sales to secondary markets affect non-interest income.

By Rebecca Wessler | April 18, 2016

This week, features articles showing how credit unions are driving non-interest income, from PIN fees to secondary market sales.

By CUSO Financial Services, L.P. | Oct. 19, 2015

Here are some things to think about to attract and serve new generations of self-directed investors.

By E.C. Harrison | Sept. 28, 2015

An account that pays members up to $200 a year in merchant rebates plus unlimited cash back rewards on signature-based debit card transactions has helped members at One Nevada ease into new checking options.

By Callahan & Associates | Sept. 10, 2015

Firefighters Credit Union expects to make $250,000 in net income in 2015 from its in-house insurance agency. Learn how the Los Angeles credit union expects to push this revenue stream to $1 million per year in the near future.

By Stephanie Clark | Aug. 28, 2015

Credit unions reported 7.1% year-over-year growth in income, and that’s just the beginning.

By | Aug. 25, 2015

Learn how credit unions performed in second quarter 2015 and find new opportunities in today's economic environment.

By SWBC | June 1, 2015

Cross-selling is a key component in creating true value in your auto lending strategy and increasing member loyalty.

By Marc Rapport | June 1, 2015

Credit unions on both coasts share how they ramped up new insurance and investment services.

By Janet Lee | June 1, 2015

Today, 40% fewer credit unions offer member insurance than in 2011. That's an opportunity for credit unions to offer members a dependable product and peace of mind.

By Callahan & Associates | April 15, 2015

Does the future look bright for U.S. credit unions? Industry leaders weigh in on where they see opportunities and challenges.

By Callahan & Associates, Inc. | Feb. 23, 2015

Learn how credit unions performed in fourth quarter 2014 and find new opportunities in today's encouraging economic environment.

By Sam Taft | Feb. 23, 2015

These four performance metrics will help CFOs explain the business of credit unions and show how every employee helps the credit union achieve its goals.

By Aaron Pugh | Jan. 26, 2015

In 2004, Redwood Credit Union took the leap from making auto loans to managing its own auto dealership. Now it has advice for others on how to do it, too.

By Janet Lee | Aug. 27, 2014

Income from loan and investments is the driving force behind the quarter’s 1.2% growth in total revenue.

By IWS | Aug. 4, 2014

Strengthen your strategy by asking three key questions.

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 Andrew Bolton | March 26, 2014

Lending, originations, revenue, and membership all show how the state’s financial cooperatives have positioned themselves for success this year.

By Mark Reed | Feb. 12, 2014

Callahan's annual non-interest income survey highlights the crucial role NII plays in a credit union's bottom line.

By Andrew Bolton | Jan. 31, 2014

Callahan’s FirstLook data shows increased originations as consumer lending continues to gain ground in the portfolio.

By Callahan & Associates | Jan. 31, 2014

This year-end survey provides insight into an important source of revenue and highlights industry trends in non-interest income that are not readily apparent in the 5300 Call Report.

By Janet Lee | Nov. 20, 2013

Credit unions increased the net interest margin by 2 basis points in 3Q13, marking the first time in three years that net interest margin rose from the previous quarter.

By Mark Reed | Nov. 11, 2013

What effects does a robust credit card portfolio have on a credit union's financial performance?

By Drew Grossman | Oct. 29, 2013

Seeman talks about income, tight margins, and how to remain competitive in a low interest rate environment.

By Janet Lee | Sept. 3, 2013

By Mark Reed | July 29, 2013

Partner Perspective
The Changing Debit Market

By | July 8, 2013

How post-Durbin developments are impacting credit union strategies.

By MIAC | June 24, 2013

How credit unions can better position their mortgage hedging strategy for a changing secondary market environment.

By Drew Grossman | May 6, 2013

Star One Credit Union's real estate modification program lowers rates quickly and efficiently.

By Brooke Van Vleet | April 15, 2013

St. Helens Community hopes to simplify, stabilize, and strengthen its core competencies and relationships in the coming year.

By Andrew Bolton | April 5, 2013

By remaining vigilant of interest rate risk and implementing mitigation strategies, credit unions can continue to safely provide great mortgage options to members.

By Parth Kapoor | March 20, 2013

By Yun Ma | Feb. 4, 2013

Known for its strong investment portfolio, Langley is now shifting its resources to loans. Here’s why.

By Catherine Siskos | Jan. 21, 2013

Real estate services at this credit union funnel revenue back to the membership while acting as a launching pad for entering new markets.

By Catherine Siskos | Jan. 21, 2013

Federal regulations govern a credit union’s subsidiaries, and the devil is in the details.

By Aaron Pugh | Dec. 17, 2012

Follow the lead of cooperative peers to add value, grow membership, and boost interchange earnings.

By Parth Kapoor | Nov. 30, 2012

September data shows credit unions are relying on non-interest income to boost the overall health of their bottom line.

By Mark Reed | Nov. 19, 2012

Credit unions are increasing alternative sources of income and turning in an outstanding performance in the third quarter in face of historically low interest rates.

By Cetera Financial Institutions | Oct. 29, 2012

Tap into a well of new income potential through these small, strategic shifts.

By Jay Johnson | Oct. 22, 2012

In an environment in which consumers are looking for a better way, credit unions are standing apart.

By Alix Patterson | Sept. 17, 2012

A credit union-owned company commands the stage at Finovate New York.

By Callahan & Associates | Sept. 10, 2012

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

By Mark Reed | Sept. 10, 2012

Non-interest income, including interchange income from payment sources, has increased in importance at credit unions nationwide.

Partner Perspective
Fee Income Growth Opportunities

By Cetera Financial Institutions | July 9, 2012

Credit unions have potential to be more profitable with investment and insurance services.

By Rebecca McClay | May 3, 2012

Credit unions fearing the Durbin Amendment would hurt interchange revenue can rest assured – the law has had little impact so far, according to a Federal Reserve study.

By Mark Reed | Jan. 23, 2012

Non-interest income is an important metric for any credit union. How did it fare in 2011, during the calm before the Durbin Amendment storm?

By Rebecca Wessler | Dec. 7, 2011

Even in an environment where “fee” is a four-letter word, there are friendly ways to encourage member participation and increase fee income.

By Rebecca McClay | Nov. 23, 2011

Indiana Members Credit Union's CEO is ensuring employees are well versed in the new interchange rules.

By Rebecca McClay | Sept. 21, 2011

The new swipe fee law takes effect in less than a month, but all signs indicate it will have a minimal impact on credit unions.

By Rebecca Wessler | Aug. 29, 2011

CU Community Credit Union doesn’t rely on what’s worked in the past to guarantee success in the future.

Partner Perspective
Debit After Durbin

By | July 25, 2011

The Federal Reserve’s new debit interchange rules are the latest in a series of events that have buffeted the financial services industry during last three years.

By Rebecca McClay | July 4, 2011

Credit unions will have to “get innovative” now that a new regulation on debit swipe fees is finalized, one credit union executive says.

By Callahan & Associates | July 1, 2011

The prepaid card market is one of the fastest growing segments in the payments industry.

By Alix Patterson | June 21, 2011

Jay Johnson outlines five key operational and strategic topics that credit unions across the country are debating in their Board rooms.

By Thomas Cullen | June 14, 2011

Small businesses need help, consumers don't like fees, and your credit union needs a mobile strategy.

By Thomas Cullen | May 24, 2011

Some towns are on the rebound, retailers want to reduce swipe fees, and a solid chunk of families couldn’t come up with $2,000 in an emergency.

By Lydia Cole | April 28, 2011

It’s that time of year. Banks and credit unions are reporting first quarter 2011 financial results.

By Callahan & Associates | April 7, 2011

The top 10 credit union leaders in non-interest income as a percent of total income.

By Callahan & Associates | April 7, 2011

A comparison of credit unions that do and do not offer courtesy pay.

By Andrew Bolton | April 7, 2011

Non-interest income grew in 2010.

By Lydia Cole | March 21, 2011

What components of non-interest income are affecting your credit union’s performance?

By Thomas Cullen | Jan. 24, 2011

Debit interchange regulation is moving the market away from free checking, which gives credit unions a new way to enhance member relationships.

By Chip Filson | Jan. 17, 2011

What do the earnings reported by JP Morgan Chase mean for credit unions?

By CO-OP Financial Services | Nov. 22, 2010

Signal Financial Federal Credit Union reached out to the right members and increased its signature debit transactions by 80%.

By Alix Patterson | Nov. 15, 2010

Credit unions have the opportunity to fill in where macroeconomic policy falls short.

By Lydia Cole | Nov. 15, 2010

The full effect of Regulation E on credit unions is yet to be determined.

By Thomas Cullen | Nov. 1, 2010

When Regulation E hit, credit unions responded. Now industry leaders use it as a platform to engage members.

By Lydia Cole | Nov. 1, 2010

Loan origination, asset quality, and earnings are still the focus of many credit unions.

By Callahan & Associates | Oct. 6, 2010

The non-interest income per member ratio helps credit unions measure member participation.

By Rebecca Wessler | Sept. 8, 2010

An update from the West Coast brings good news and inspiration for all credit unions.

By Thomas Cullen | Aug. 30, 2010

Credit unions have the opportunity to employ innovation and hard work to avoid losing income from new overdraft regulation.

By Aaron Pugh | Aug. 9, 2010

How can credit unions provide affordable health savings accounts and protect long-term profitability and sustainability?

By Lydia Cole | July 19, 2010

Overall shifts in product revenue demonstrate the larger marketplace shifts in consumer investments.

By Lydia Cole | July 16, 2010

Shifts in product revenue demonstrate the larger marketplace shifts in consumer investments.

By Denise Senecal | July 15, 2010

The demise of free checking at banks offers another opportunity for credit unions to promote their consumer-friendly checking options.

By Aaron Pugh | July 9, 2010

How can credit unions use the benefits of the cooperative system to explore new non- interest income opportunities? The answer lies in the CUSO connection.

By Rebecca Wessler | July 8, 2010

The first quarter 2010 issue also features CUSO non-interest income data and an in-depth case study about Wright-Patt Credit Union’s living brand.

By Aaron Pugh | July 6, 2010

How can credit unions use the benefits of the cooperative system to connect the dots and green light new non-interest income opportunities? The answer lies in the CUSO connection.

By Denise Senecal | July 5, 2010

Allegacy Federal Credit Union offers an integrated investment services program to its members.

By Rebecca Wessler | June 30, 2010

Four resources to help you understand the issues brought on by today’s environment and evaluate if your credit union has a healthy mix of income sources.

By Lydia Cole | June 28, 2010

Threats to non-interest income highlight service organizations’ potential to diversity a credit union’s income.

By Denise Senecal | June 24, 2010

Financial institutions are using a variety of online strategies to increase overdraft opt-in.

By Lydia Cole | May 21, 2010

The passage of the financial reform bill will have a lasting effect on credit unions.

By Becca Clark | May 17, 2010

Surcharge limitations would create a toxic situation for consumers and small businesses alike.

By Elliott Kashner | May 17, 2010

Significant improvements to credit unions’ income statements yielded a $1 billion increase in net income over first quarter 2009.

By Becca Clark | May 6, 2010

As the Senate debate over financial reform sizzles, credit union non-interest income remains under fire.

By Timothy Kolk | May 3, 2010

A combination of economic forces and regulatory changes has created the perfect storm for credit card issuers, resulting in seriously impaired profitability.

By Lydia Cole | April 22, 2010

While firms may estimate large consumer and business savings with interchange regulation, credit union members may see the value of their membership decline with lost institutional income.

By Rebecca Wessler | April 6, 2010

A financial education strategy and smooth processes help this large credit union succeed. Take an in-depth look at its strategy.

By Sam Brownell | April 5, 2010

Callahan’s year end non-interest income survey provides a snap shot of the industry before Reg E changes take effect.

By Denise Senecal | April 2, 2010

Changes to Regulation E and consumer opt-in requirements could significantly impact credit union non-interest income.

By Lydia Cole | April 1, 2010

In 2009, credit union non-interest income totaled $11.6 billion; overdraft fees account for approximately $3.26 billion in income for the industry. What will that revenue stream be a year from now?

By Denise Senecal | March 29, 2010

Credit unions face challenges in educating members and gaining approval for overdraft protection before the July 1 deadline.

By Lydia Cole | March 26, 2010

Has Bank of America recently gone to bank rehab or is it taking pre-emptive strikes for the April 28 shareholders' meeting?

By Alix Patterson | March 16, 2010

We want to make sure the decisions we make are based in reality and as informed as possible, and we want the same for you.

By Lydia Cole | March 15, 2010

A $35 cup of coffee is still possible if you pay with a check.

By Rebecca Wessler | March 5, 2010

A glimpse at the cheer worthy, jeer worthy, and tear worthy stories for the week of March 1, 2010.

By Guy Messick | March 1, 2010

Collaborations, through CUSOs and otherwise, hold the promise of earning non-interest income from non-traditional financial products and of significantly reducing operating costs.

By Dane Coalson | Feb. 22, 2010

A focus on low rates and balance transfer opportunities resonates with consumers looking to switch their credit card relationship in the wake of the CARD Act.

By Elliott Kashner | Feb. 22, 2010

Share growth has rapidly outpaced loans throughout 2009. Despite this mismatch, credit unions experienced some positive changes in their business model.

By Alix Patterson | Feb. 21, 2010

Another NYT article the same day shown light on another source of income—foreign transaction fees of up to 3 percent when a merchant processes your card overseas. NYT coverage.

By Alix Patterson | Feb. 21, 2010

Today’s the day. Today, the most heinous bank practices with regard to credit cards are outlawed. So, what are the big banks doing? NYT coverage.


By Guy Messick | Feb. 8, 2010

Effective collaborations hold the promise of higher non-interest income and significantly reduced operating costs.

By Chris Tissue | Jan. 27, 2010

"Find a bright spot and clone it. That’s the first step to fixing everything from addiction to corporate malaise to malnutrition."

By Sam Brownell | Jan. 25, 2010

Re-examining existing and developing new member-friendly sources of fee income and other operating income will be critical to maintain revenue in 2010.

By Chris Tissue | Jan. 5, 2010

As public backlash about big bank practices rages on, expect more coverage like today’s New York Times piece titled How Visa, Using Fees Behind Its Debit Card, Dominates a Market.

By CU*Answers | Oct. 19, 2009

For all the hoopla in the press, the legislative grandstanding for consumer groups, and the finger pointing at financial institutions about the abuses of overdraft processing services, it still comes down to one simple idea.

By Callahan & Associates | Oct. 1, 2009

With member and market demand for debit and crdit cards increasing, credit unions need to understand the dynamics of their card portfolios to predict members' future needs. These trends, combined with added pressure on the bottom line, make interchange income a crucial component of credit union revenue.

By Lydia Cole | July 6, 2009

When measuring your investment services program’s performance, it is critical to understand how individual benchmarks represent a piece of the puzzle. If considered separately, the individual metrics do not tell the whole story as to how the program’s management team should improve the program’s overall productivity.

By Lydia Cole | June 22, 2009

When measuring your investment services program’s performance, it is critical to understand how individual benchmarks represent a piece of the puzzle. If considered separately, the individual metrics do not tell the whole story as to how the program’s management team should improve the program’s overall productivity.

By Elliott Kashner | March 16, 2009

It is a common belief that the credit union model is superior to the bank model when it comes to proving value to consumers. But what do the numbers say?

By Brooke C. Stoddard | Dec. 1, 2008

A credit union with experience in a troubled region knows how to manage difficulty and is taking advantage of opportunities.

By Pete Snyder | Sept. 29, 2008

In the current difficult rate environment, credit unions are increasingly looking to non-interest income as a way to increase revenue and provide needed services to members. In contrast to investment services, Loan Protection Products provide a significant opportunity for credit unions to increase gross revenues and, more importantly, increase net income margins.

By William Quinn | July 28, 2008

Non-interest income is a key source of revenue for credit unions. As interest margins continue to drop, the need for credit unions to understand and enhance their non-interest income becomes essential to diversifying their sources of income.

By Lydia Cole | June 30, 2008

The current economic environment is affecting the credit card market in a unique way. With a declining rate environment and increasing concerns about asset quality, credit unions have an opportunity to demonstrate the value of their credit card.

By Mike Werstuik | Nov. 19, 2007

Decoupled debit cards, cards that can be linked to an account at any financial institution, are revolutionizing payment systems. HSBC has an added twist to this.

By Strunk & Associates, L.P. | Nov. 12, 2007

With the uncertainty of interest rates and a highly competitive marketplace, a growing number of financial institutions are exploring new strategies and initiatives in an effort to grow and stabilize their funding base.

By Lydia Cole | Oct. 22, 2007

Callahan & Associates’ mid-year 2007 Non Interest Income Survey reveals changes in the composition of this important revenue stream.

By Strunk & Associates, L.P. | Sept. 10, 2007

For many credit unions, non-interest income from programs like discretionary overdraft payment services have become an essential source of income. Now it appears that to “survive,” credit unions must protect their overdraft payment program from unwarranted loss by consumer advocate extremists.

By Strunk & Associates, L.P. | Aug. 13, 2007

Recent media coverage portraying all overdraft payment programs as predatory and exploitive grossly misrepresents these financial products. Designed and implemented properly, these programs provide real value to members as well the credit unions who serve them.

By Strunk & Associates, L.P. | July 9, 2007

One perspective on how credit unions can adapt to the changing times.

By Seena Faqiri | July 2, 2007

Credit unions with a high Member Service Usage score have a high number of core account relationships with their members.

By Callahan & Associates | July 1, 2007

An analysis of expense growth shows that increases can presage good growth in other areas.

By Strunk & Associates, L.P. | May 14, 2007

One take on the forces behind core deposits – and some ideas for reversing the trend.

By Strunk & Associates, L.P. | April 16, 2007

Credit unions that are considering adopting an overdraft privilege service should consider two things: first is it a well designed product that produces projected results and second, is it member-friendly?

By Mike Werstuik | March 19, 2007

After a recent decision by the IRS, certain programs of state-chartered credit unions could be taxable. What impact could this have on non-interest income?

By Strunk & Associates, L.P. | March 12, 2007

Are you asking yourself the right questions about your overdraft payment programs? Or are you waiting for the examiners to ask them?

By Strunk & Associates, L.P. | Jan. 8, 2007

Beware of complacency when it comes to addressing compliance requirements.

By Appoorva Saxena | Jan. 1, 2007

Since 2000, debit card transaction volume has grown at a 21% rate compounded annually compared to 6% for credit card transactions. But what is more interesting for credit unions is the how and where of this change in use of debit cards.

By Jon Jeffreys | July 10, 2006

Share drafts used to be the entry level account credit unions used to attract member in order to market other services. Today however share drafts are important because of the non-interest income associated with them.

By Jon Jeffreys | June 5, 2006

The traditional credit union business model is gone for good. Future success belongs to credit unions who create new income opportunities with solid member benefits.

By Tom Geggel | April 24, 2006

While banks appear to be lowering checking account fees on average, the numbers do not tell the whole story.

By Carly Spring | Oct. 31, 2005

July 2005 corporate credit union data reinforces that corporates are relying much more on fee income than in the past.

By Andrew Creedon | Oct. 24, 2005

As credit unions face slimmer margins, non-interest income growth continues at a double-digit pace.

By Jon Jeffreys | Sept. 19, 2005

The credit union business model is not static; neither is the balance sheet.  As the balance sheet changes credit unions may need to assess the functionality of their ALM solution. 

By Molly Francis | Aug. 1, 2005

First Look data shows a significant increase in non-interest income growth over last year.

By Andrew Creedon | July 18, 2005

A shrinking net interest margin is putting the squeeze on earnings. What is the impact on overall credit union ROA?

By Tom Geggel | May 23, 2005

Over 50% of non-interest income is directly related to the core share draft account, according to a recent Callahan & Associates survey.

By Bret Remey | March 21, 2005

Service revenue is growing. For all credit unions, service revenue grew by 13.53 % from last year. Callahan compiled data on service revenue sources from 76 credit unions, representing over 12% of the industry’s assets.

By Bret Remey | Jan. 17, 2005

Quarterly ROA rose to six basis points to reach 98 basis points in the third quarter. The rise is partially attributed to many credit unions creating efficiencies within their organization and expanding non-interest income opportunities to grow revenue.

By Joe James | March 15, 2004

Quarterly Return on Assets for credit unions dropped 10 basis points in the 4th quarter to 0.90%. However, this drop would’ve been much greater had it not been for credit unions’ strong performance in service income.

By Joe James | Feb. 9, 2004

After a strong 3rd Quarter, credit unions could see a drop in service income for the 4th Quarter. The source of this drop is still to be determined but some potential causes could be the settlement between retailers and Visa/MasterCard and also a reduction in real estate loan originations.