Financial Performance

Operating Expense

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 Aman Johal | April 19, 2021

Credit union earnings rebounded toward the end of the year as industry players find a way to adapt their business models to a changing economic landscape.

By William Hunt | Aug. 31, 2020

Many Americans have been beefing up their savings during the COVID-19 lockdowns. Credit unions are putting those additional funds toward less fortunate members.


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By Aman Johal | April 27, 2020

Through 2019, traditional retail delivery continued to develop as credit unions increased branch and employee counts. In 2020, as the novel coronavirus begins to impact operational strategies, credit unions may shift focus to remote support networks in an effort to offer sustained member value.

By Aman Johal | Nov. 13, 2019

The loan-to-share ratio falls, and other can’t-miss insights from Callahan’s quarterly webinar.

By Maya Neuman | Sept. 6, 2019

New takes on service delivery at U.S. credit unions increase operational efficiencies and attract new members.

By Aman Johal | Aug. 15, 2019

Both sides of the balance sheet and the income statement see significant changes in the second quarter.

By Celeste Karwan | June 11, 2019

Understanding key performance metrics will help gauge early successes and identify any operational adjustments needed to achieve strategic goals.

By Maya Neuman | March 11, 2019

U.S. credit unions reported a 169-basis-point decline in the efficiency ratio year-over-year. And that’s a good thing.

By Samantha Cristobal | Feb. 19, 2019

As interest rates tick up, the margin between interest income and interest expenses at U.S. credit unions slowly expands. Test your knowledge of the state of the net interest margin in the fourth quarter.

By Samantha Cristobal | Nov. 1, 2018

The credit union industry's efficiency ratio of 69.8% as of June 30 was the lowest it's been since 2010.

By Ian Melhorn | April 23, 2018

Credit unions in the Mid-Atlantic reported faster MBL growth than credit unions outside the region. In what other areas did these Mid-Atlantic cooperatives excel?

By Liz Furman | July 3, 2017

Contextualizing costs based on location can make a big difference when analyzing the bottom line.

By Greg Gonsalves | June 5, 2017

The percent of revenue going toward employee compensation is reversing trend.

By Ian Melhorn | June 5, 2017

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

By Sam Taft | May 29, 2017

Check out this leader table to see which credit unions beat the industry average.

By Sam Taft | April 25, 2017

Check out this leader table to see which credit unions beat the industry average.

By Liz Furman | Jan. 30, 2017

The national average for each of these six mighty metrics is less than 10 percentage points, but even a change of a few basis points can make a big difference to a credit union.

By Lydia Cole | Jan. 9, 2017

Metrics to evaluate credit union marketing spend and bridge the gap between macro trends and micro performance.

By Michelle Parker | Dec. 1, 2016

Besting national averages across various penetration and efficiency rates, financial cooperatives in the Keystone State are efficiently serving members and expanding books of business with their current staffing models.

By Marc Rapport | Nov. 28, 2016

The Memphis credit union has improved retention, electronic services, and accounts per household by delivering the right messages to the right members.

By Sam Taft | Nov. 14, 2016

Credit unions posted a slight improvement in the efficiency ratio versus one year ago. Check out this leader table to see which credit unions beat the industry average.

By Rebecca Wessler | Oct. 18, 2016

This quarter, Credit Union Strategy & Performance is all about showing off successes and looking forward to the future.

By Liz Furman | Oct. 18, 2016

The Loan Star State has the highest number of credit unions at 475, and its stellar growth and member metrics evokes the saying “Don’t mess with Texas.”

By Liz Furman | Sept. 26, 2016

Five graphs show how technology offers a competitive advantage.

By Marc Rapport | July 4, 2016

New employer group strategies and a focus on financial wellness have helped KCT get back to basics and sparked a sharp recovery at the suburban Chicago credit union.

By Stephanie Clark | June 13, 2016

What metrics should human resource professionals use to measure employee and credit union performance?

By Sam Taft | June 13, 2016

Lending and asset growth have been capturing industry headlines, but tight margins from sustained low interest rates and slowly rising operating expenses make some other benchmarks worth watching.

By Liz Furman | June 13, 2016

Risk managers monitor disparate areas of the credit union. For key ratios to follow, start with the measures that correspond to the risk indicators outlined by the NCUA.

By Callahan & Associates | May 25, 2016

Callahan & Associates and Todd Lane discuss how California Coast Credit Union calculated its area's living wage and what that means for its employment strategy moving forward.

By Marc Rapport | Feb. 29, 2016

How the San Diego credit union is implementing a new compensation system and considering the living wage measure.

By Stephanie Clark | Aug. 28, 2015

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

By Origence, a CU Direct Brand | June 8, 2015

Assessing your credit union’s loan approval processes can show where automation can boost operational efficiency and member satisfaction.

By Sharon Simpson | May 5, 2015

Six small credit unions have projected more than $200,000 in compliance costs savings over the next two years with their new CUSO — and they say that’s just the beginning.

By Sam Taft | April 27, 2015

The combination of many ratios offers a complete picture of a credit union’s operational performance. These three will help COOs communicate successes and opportunities in meeting overall goals.

By Sam Taft | April 20, 2015

Credit unions demonstrate a commitment to add numbers to their employee rosters and dollars to their employee salaries.

Anatomy Of BECU

By Aaron Pugh | April 14, 2015

The ANATOMY series is a quarterly, multi-feature profile that explores the strategies and analyzes the performance of an exemplary credit union.

By Janet Lee | April 13, 2015

Marketing expenses, measurable goals, and more in this Graphic Of The Week.

By Sam Taft | Feb. 26, 2015

These seven charts highlight how things have changed in the past year and offer insight into what it means for credit unions moving forward.

By Andrew Bolton | Feb. 8, 2015

This cheat sheet offers a visual breakdown of the meaning behind two often-confused metrics.

By Aaron Pugh | Jan. 22, 2015

Employees have numerous reasons for jumping ship. Here’s how to mitigate those grievances.

By Callahan & Associates, Inc. | Jan. 12, 2015

Jared Dryer, district manager at Bellco Credit Union, discusses how a new branch concept that favors technology and universal staffing models is building member relationships.

By Callahan & Associates, Inc. | Jan. 12, 2015

Bellco Credit Union's district manager shows what its high-tech branch concept looks like.

By Wacom | Oct. 13, 2014

It may seem daunting, but it doesn’t have to be — some processes, such as teller line transactions, can be converted fairly simply. And the benefits extend well beyond just the cost savings of paper.

By Rebecca Wessler | Aug. 3, 2014

The ANATOMY series is a quarterly, multi-feature profile that explores the strategies and analyzes the performance of an exemplary credit union.

By Sharon Simpson | April 14, 2014

A Q&A with Maps Credit Union on how it evaluates its local bank and credit union competitors.

By Drew Grossman | March 17, 2014

How MECU doubled its assets while holding staffing expenses steady.

By Alogent | Feb. 24, 2014

Bluepoint Solutions Presents: The case for turning paper into an asset that improves service and builds relationships.

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 Alix Patterson | Sept. 23, 2013

By Aaron Pugh | Sept. 2, 2013

Credit unions are finding a middle ground between being large enough to scale and nimble enough to maneuver.

By Mark Reed | July 22, 2013

An examination of the planned merger of Pioneer and Capital credit unions in Wisconsin.

By Chip Filson | July 17, 2013

The June 30, 2013, update of the U.S. Central Federal Credit Union securities shows that of the total $3.5 billion other-than-temporary-impairment (OTTI) future loss estimates, more than $2.3 billion is still unused.

By Mark Reed | April 11, 2013

By Yun Ma | April 8, 2013

CEOs of big and small credit unions share their secrets for generating income with less cost.

By Sharon Simpson | April 8, 2013

APCO Employees Credit Union keeps its operational edge through economic booms and busts.

By Drew Grossman | April 8, 2013

Maroon Financial Credit Union lowered its efficiency ratio by generating more revenue from an expanded mortgage origination campaign.

By Aaron Pugh | April 8, 2013

How to use readily available resources, people, and technology to trim the excess and hit your efficiency stride.

By Parth Kapoor | April 8, 2013

Although credit unions spent more in 2012 for every dollar of income, their operating expenses as a proportion of total assets actually declined.

By Aaron Pugh | Jan. 14, 2013

A Q&A on core conversion strategies with the controller of Northwest Federal Credit Union.

By Aaron Pugh | Nov. 8, 2012

Re-envision branch strategy and rediscover your faith in brick-and-mortar.

By Aaron Pugh | Nov. 5, 2012

Alternative branching strategies can help carve out a foothold in the community, but embracing space is key to ongoing development.

By Aaron Pugh | Nov. 5, 2012

An emphasis on cross-training, experience, and culture can make branch employees more productive and branch networks more fruitful.

By Aaron Pugh | Nov. 5, 2012

Technology can create branch efficiencies and versatility while enhancing member convenience.

By Jay Johnson | Oct. 22, 2012

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

By Aaron Pugh | Oct. 15, 2012

Park Community demonstrates the value of strategically exiting a region, but only after leaving membership in good hands.

By Mark Reed | Oct. 9, 2012

Credit unions are weighing opportunities for growth against increased expenses.

By Callahan & Associates | Oct. 9, 2012

How changing member preferences and technology are impacting branch strategies.

By Aaron Pugh | Sept. 17, 2012

Sharing resources and leadership among separate credit unions and brand-aware merger partners creates scale without isolating a localized membership base.

By Andrew Bolton | July 27, 2012

Credit unions can weigh the value of indirect auto lending by comparing several financial metrics.

By Aaron Pugh | June 25, 2012

Credit unions have a full range of options to better connect with their communities.

By Mark Reed | April 30, 2012

Credit union employees are handling more members and accounts than ever before.

By Lydia Cole | April 23, 2012

Mid-sized credit unions report significant variation in both the operating expense and efficiency ratios for several reasons.

By Callahan & Associates | April 18, 2012

GUASFCU focuses on products and services for students through the cyclical changes of the school year.

By Aaron Pugh | April 16, 2012

A Southwestern credit union’s long-term wellness program revitalizes employees and contributes dollars to the balance sheet.

By Q2 | April 9, 2012

Credit unions need to stay on top of compliance challenges to maintain their competitive positioning.

By Andrew Bolton | April 9, 2012

Credit unions reported a two-basis-point decline in core earnings last year.

By Alogent | Feb. 13, 2012

This checklist will help credit unions quickly determine if it is time to replace their current document management system.

By Callahan & Associates | Jan. 1, 2012

Credit union are increasing technology spending in 2012, with budgets calling for investments that enhance member self-service capabilities and interactions as well as improve internal efficiences.

By Chip Filson | Dec. 21, 2011

There has been no public accounting for the Temporary Corporate Credit Union Stabilization Fund for nearly two years. Where are the voices calling for light?

By Rebecca Wessler | Nov. 21, 2011

The largest credit union in the hard-hit Californian Inland Empire is building on the area’s economic revival.

By Aaron Pugh | Nov. 7, 2011

A new take on innovation puts employees in control of everything from fixing glitches to building branches.

By Lydia Cole | Oct. 1, 2011

Does your credit union Board and executive team understand the terms, definitions, formulas, and metrics they see on the balance sheet and income statement? Share this quiz at your next Board meeting or executive staff retreat.

By Callahan & Associates | Oct. 1, 2011

Here are four key metrics from American Flag Credit Union's two-year report. Use this credit union's performance to kick-start the dialogue with your Board members or management team about important performance indicators to watch.

By Aaron Pugh | Oct. 1, 2011

Front-line representatives aren't just the first point-of-contact for members; they also play a key role in creating efficiencies.

By Aaron Pugh | Sept. 19, 2011

There are no easy solutions to drive adoption, but a combination of information and influence helps paper lovers make the switch.

By Aaron Pugh | July 18, 2011

Front-line representatives aren’t just the first contact point for members. They’re a key figure in the efficiency equation.

By Lydia Cole | July 4, 2011

Expenses for marketing grew 4% in the first quarter of 2011 as a result of credit unions’ priorities, not their size.

By Aaron Pugh | June 28, 2011

Stress and the avoidance of it can affect every aspect of your business.

Nice and Lean

By Thomas Cullen | May 2, 2011

The best way to achieve efficiency is to understand what it is and how to identify its absence.

By Lydia Cole | April 25, 2011

Operating expense to income, efficiency, members per employee: Three metrics to evaluate your credit union and bridge the gap between macro trends and micro performance.

By Lydia Cole | April 18, 2011

Delinquency, return on assets, net worth to assets: Three metrics to evaluate your credit union and bridge the gap between macro trends and micro performance.

By Branch Development Group | April 11, 2011

In the evolving multi-channel marketplace for financial services, the role of the branch is the subject of discussion and confusion.

By Lydia Cole | April 11, 2011

Cost of funds, net interest margin, operating expense ratio: Three metrics to evaluate your credit union and bridge the gap between macro trends and micro performance.

By Aaron Pugh | March 22, 2011

Can institutions monetize social commerce through business relationships?

By Rebecca Wessler | March 14, 2011

As an early adopter, Workers' Credit Union builds on more than 10 years of successful online services.

By Andrew Bolton | Feb. 17, 2011

How well did credit unions manage expenses in 4Q 2010?

By Thomas Cullen | Feb. 3, 2011

Credit unions are increasing efficiencies in the workplace and contributing to local economies.

By Aaron Pugh | Jan. 3, 2011

Remote teller systems provide more than a decade of convenience, safety, and efficiency for one Baltimore credit union.

By Rebecca Wessler | Jan. 3, 2011

Credit unions use profitability management to enhance membership value.

By Callahan & Associates | Jan. 1, 2011

Many credit unions can increase their service, expand hours, build revenue, and reduce operating costs through an often overlooked and under managed area of the front line -- the contact center.

By Thomas Cullen | Dec. 27, 2010

From enhanced expertise to reduced overhead and stress, the benefits of joining a CUSO are evident.

The Paper Caper

By Aaron Pugh | Dec. 23, 2010

Convert paper statement diehards to eStatements without breaking budget.

By Jay Johnson | Nov. 29, 2010

Credit unions are increasing their technology budgets, especially for features that enhance member service, improve accessibility, or help the institution keep pace with regulatory compliance.

By Alix Patterson | Oct. 25, 2010

Credit unions manage expenses despite economic challenges.

By Callahan & Associates | Oct. 21, 2010

Lower efficiency ratios allow credit unions to return more value to members, build capital, and invest in products and infrastructure.

By Sharon Simpson | Oct. 4, 2010

Declining operating expenses are forcing credit union marketers to do more with less.

By Callahan & Associates | Oct. 1, 2010

Credit unions are facing an incredible opporunity to be an engine for economic growth in their communities by using record liquidity to refinance member loans.

By Callahan & Associates | Oct. 1, 2010

The 2010 Technology Survey indicates most credit unions are increasing their technology budgets depsite a challenging earnings environment and uncertainty around NCUA assessments.

By Thomas Cullen | Sept. 16, 2010

FedEx posted profits but still feels the need to cut jobs; the shipping giant is constantly looking for ways to improve.

By Rebecca Wessler | Sept. 8, 2010

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

By Lydia Cole | Aug. 30, 2010

Nine graphs illustrate the industry’s resilient performance as of June 30, 2010.

By Sam Brownell | Aug. 16, 2010

The core components of credit union operating expenses indicate the business model is growing leaner.

By Sam Brownell | July 5, 2010

At the end of first quarter 2010, credit unions’ operating expense ratio was equal to or below its lowest point in the past five years.

By Callahan & Associates | July 1, 2010

During the "Great Recession" credit unions outperformed banks in many areas.

By Nick Connors | June 21, 2010

One-time expenses impacted earnings in 2009, but credit unions' ROA is back on the rise in 2010.

By Nick Connors | May 31, 2010

Whether it was the dollar amount, where on the call report to report it, or what quarter to record the expense, there is always uncertainty when tracking the NCUSIF Stabilization expense.

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 Denise Senecal | May 17, 2010

Callahan’s annual technology survey offers insight into priorities and investments.

By Nick Connors | May 12, 2010

With over 7,500 credit unions reporting March data in our FirstLook program, the industry as a whole remains in the black for the fourth consecutive quarter.

By Lydia Cole | May 10, 2010

What affect did marketing budgets have on financial performance during the Great Recession?

By Nick Connors | May 3, 2010

The 10 largest credit unions began 2010 in great shape, reporting strong growth, higher ROAs, and increasing capital levels.

By Chip Filson | April 26, 2010

First quarter results from North Island Financial Credit Union show a credit union on a journey back to health.

By Andrew Tilbury | April 16, 2010

In 2008, Saint Francis Federal Credit Union moved away from paper processing and transitioned to image-based item processing.

By Brooke C. Stoddard | April 5, 2010

John Tippets talks about the economy, California’s stinging real estate market, and the credit union’s return to its core competencies.

By Brooke C. Stoddard | April 1, 2010

North Island Credit Union put in place a rigorous cost-cutting regime as soon as the economic crisis hit.

By Alogent | March 29, 2010

Enhance member service, cut costs, and take control of a vital operation.

By Sam Brownell | March 8, 2010

The accounting difficulties of the NCUSIF stabilization expenses complicate how to determine the extent of credit union cost cutting in the face of the financial meltdown.

By My Credit Union | March 8, 2010

Nutmeg State leverages e-statement platform to go green and save green.

By Leigh Anne Terry | March 1, 2010

Real numbers support the move toward sustainability.

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 Nick Connors | Jan. 18, 2010

Credit unions accounted for the NCUSIF Stabilization Expense in numerous different ways. Now the recently announced assessment for ASI credit unions adds another layer of complexity to this issue.

By Synergent | Nov. 16, 2009

Credit unions are facing critical points for core processing replacement over the next few years. Credit union CEOs and their boards need to look ahead at where they want to guide their institution to handle today’s changing market forces and regulatory developments.

By Brooke C. Stoddard | Oct. 1, 2009

Sandia Labratories was conservative in the boom times, and is applying efficiencies now that give it sound financials.

By Callahan & Associates | Oct. 1, 2009

Credit unions are seeing the benefits of innovation and spending more of their budgets on technology.

By Brooke C. Stoddard | Sept. 28, 2009

MidWest America has been growing at a healthy rate all the while cutting spending, in no small part because employees submit good cost-trimming ideas.

By Nick Connors | Aug. 10, 2009

Preliminary June data shows a number of key credit union efficiency and productivity metrics received a boost in the second quarter.

By Callahan & Associates | Aug. 3, 2009

The fundamentals remain good, but Meritrust CU is keeping a sharper eye on the financials.

By Elliott Kashner | July 13, 2009

Three mutually reinforcing relationships at the core of the virtuous cycle promote credit union growth, even during times of economic fluctuation.

By Brooke C. Stoddard | July 1, 2009

The fundamentals remain good, but Meritrust CU is keeping a sharper eye on the financials after NCUA's decision.

By Callahan & Associates | July 1, 2009

How much are credit unions spending on technology and is it more than last year?

By Jay Johnson | May 25, 2009

Callahan’s 2009 Technology Survey indicates credit unions continue to invest in applications that enhance both member service and operating efficiency.

By Callahan & Associates | May 18, 2009

By Nick Connors | May 11, 2009

Preliminary 1Q results show a mixed bag for efficiency metrics, as credit unions look to manage their expense levels to stay in the black.

By Nick Connors | May 7, 2009

Increasing operating efficiencies is becoming a major focus for a number of credit unions in the current environment. Can freeing up resources, operating more efficiently, and changing your credit union’s culture have the desired impact on the balance sheet?

By Callahan & Associates | May 4, 2009

By Finastra | April 20, 2009

By streamlining workflows and pumping up self-service offerings, credit unions can create a leaner, more productive operation to offset shrinking margins.

By Lydia Cole | March 30, 2009

Callahan’s Return of the Member score quantifies member value. But do leading credit unions in this metric also demonstrate above average financial performance?

By Lydia Cole | Feb. 23, 2009

A peer group comparison demonstrates larger branch networks can increase operating expenses, but the right approach can drive growth and increase sales productivity.

By Callahan & Associates | Jan. 1, 2009

3Q 2008: The Consolidated Credit Union Financial Statement, Peer Group Performance Comparison, Distribution of Assets and Institutions Across All Peer Groups, Asset Quality by Peer Group, The Average Credit Union $1B+ in Assets, The CUSP Financial Profile, Callahan's Credit Union Scorecard, 2008 Percentile Rankings for Peer Group and CUs between $250M-$500M in Assets, Credit Unions $1B Or More in Assets, Credit Unions $500M-$1B in Assets, Credit Unions $250M-$500M in Assets, Credit Unions $100M-$250M in Assets, Credit Unions $50M-$100M in Assets, Credit Unions $20M-$50M in Assets, Credit Unions $10M-$20M in Assets

By William Quinn | Oct. 20, 2008

Is this the time for credit unions to go on the offensive with their marketing campaigns? Market indicators say yes.

By Callahan & Associates | Oct. 1, 2008

The technology survey is an effort to understand current technology spending priorities in the credit union industry.

By Callahan & Associates | Oct. 1, 2008

2Q 2008: The Consolidated Credit Union Financial Statement, Peer Group Performance Comparison, Distribution of Assets and Institutions Across all Peer Groups, 2008 Percentile Rankings for Cus Between $100M-$250M in Assets, Asset Quality by Peer Group

By Ray Springsteen | Sept. 8, 2008

As you develop your 2009 marketing plan, how do you incorporate the impact of your marketing dollars at the credit union?

By Mike Weber | Sept. 1, 2008

Members 1st FCU finds early success with recent launch of private student lending solution.

By Ray Springsteen | Sept. 1, 2008

High performing call centers that are aligned with the goals of the organization look at performance metrics in three areas: service performance, call quality and sales productivity.

By Alpha Omega Laser | Sept. 1, 2008

Through the use of innovation and technology, postage costs can be held at bay and even reduced.

By Kathleen Peterson | Aug. 18, 2008

Turnover in the call center is very much like a fuel leak - only the fuel that is leaking is talent. The impact areas to your operation are multiple, significant, and costly.

By Equifax Inc. | Aug. 11, 2008

“Going green” really can add to your bottom line.

By Callahan & Associates | July 1, 2008

1Q 2008: Consolidated Credit Union Financial Statement, Financial Summary, Key Ratios, Peer Group Performance Comparison, Distribution of Assets & Institutions Across All Peer Groups, Asset Quality by Peer Group, Peer Group Consolidated Statement ($1B+), Peer Group Consolidated Statement ($50M-$1B)

By Callahan & Associates | July 1, 2008

How are credit unions budgeting and spending for technology in 2008 compared to last year?

By Ray Springsteen | April 7, 2008

Three credit unions focused on branch performance demonstrate the effects of their productivity on the bottom line.

By | April 7, 2008

What? Step up marketing efforts when the economy is tanking? It may be the best time.

By Nick Connors | March 24, 2008

Tyndall FCU’s performance-based culture has resulted in a dramatic increase in sales productivity, teller transitions and a $1 million cost savings in less than two years.

By Lydia Cole | March 10, 2008

Among credit unions between $250 million and $1 billion in assets, 40% opened a new branch in 2007. Did their performance differ significantly from the 60% that didn’t open a branch?

By Lydia Cole | March 3, 2008

Financial institutions are effectively leveraging the combination of legislation and technology to modernize the way checks are processed.

By The Members Group | Jan. 21, 2008

Learn three ways you can not only reduce your expenses but also increase efficiency and better protect member data.

How one credit union replaced 27 separate incentive plans with Stakeholders and experienced double-digit growth.

By Seena Faqiri | Nov. 12, 2007

Credit union branches are sprouting at a rate of almost 1,000 a year, but generally these are not the branches of small credit unions. With total office expenses rising 11.4% in 2006, even when credit unions outgrow their only branch, they find it very expensive to expand.

By Jay Johnson | Nov. 12, 2007

Some see mergers as the way to gain greater scale, reach and efficiency. However, it is not clear that size brings greater efficiencies in credit unions. Credit unions can instead look to gain scale effectiveness through collaboration.

By | Oct. 22, 2007

Research, however, shows that 75% of major change efforts fail to meet the expectations of stakeholders. What can you do to beat the odds?

By Pete Snyder | Oct. 1, 2007

Credit unions have a new opportunity to benchmark their Retail Investment Program performance and productivity.

By Jay Johnson | Sept. 3, 2007

Second quarter data shows that credit unions continue to be a steady resource for members as other lenders pull back from the market.

By CO-OP Financial Services | Aug. 6, 2007

Today’s consumers expect instant gratification, which is why credit unions must continue to emphasize convenience in all technological and marketing endeavors.

By Jay Johnson | July 16, 2007

The net interest margin reached a new low in the first quarter, and credit unions must focus on the area that is under their control – managing operating expenses.

By Callahan & Associates | July 1, 2007

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

By Nick Connors | June 25, 2007

There are many ways to measure a credit union’s efficiency. No matter how you slice it, the numbers show a wide variation in how efficient CUs are.

By Joe James | April 12, 2004

Over the course of 2003, 11 credit unions crossed the billion dollar asset mark and raised the total number of credit unions with over $1 billion in assets to 83. These credit unions have been effective in using their size to serve their members more efficiently.