Register to read, research, and engage with the industry on CreditUnions.com. Gain access to credit union performance analysis, case studies, and more. It's free to create an account.
Learn More About Peer-to-Peer
Upgrade Your Subscription
Update Your Company Affiliation
Loan purchases and participations reached record levels at U.S. credit unions. Some credit unions sold loans to generate revenue or reduce risk; others purchased loans to boost ratios or yields. Learn more about what happened throughout the industry.
The Federal Reserve kept interest rates at record lows throughout the second quarter, and the economic uncertainty wrought by COVID-19 supported record inflows at financial institutions.Consequently, credit union investment portfolios reported strong growth
Lower interest rates and overall economic uncertainty pushed the investment portfolios of commercial financial institutions nationwide toward shorter allocations in the first quarter of 2020.
Sign up for the CreditUnions.com free newsletter and be the first to read our newest coverage of credit union strategies and insights.
sign up today
Prioritizing liquidity to navigate the uncertain economic climate, institutions allocated a higher percentage of investments toward shorter-term products in 2019.
An interactive dashboard by Callahan & Associates offers insight into the loan portfolio of any credit union in the United States.
Earnings growth extended into the second quarter as cooperatives reported higher net interest income than operating expenses for the second consecutive period.
Interest income from loans and investments drove annual revenue growth among America's credit unions in the first quarter of 2019.
Total loans at U.S. credit unions increased 9.5% in the third quarter of 2018 and reached an all-time high.
Cash and investment balances at credit unions fell 5.4% year-over-year, however, investment yields reached the highest third quarter level since September 2010.
Test your knowledge of third quarter industry trends with this quiz on earnings by Callahan & Associates.
Total loans at U.S. credit unions increased by 9.7% in the second quarter of 2018 and reached an all-time high.
Investment balances at credit unions remained strong in the second quarter despite a year-over-year contraction.
Quarter-over-quarter, credit union investments shrank 3.0% as credit unions diverted assets from the investment portfolio to the loan portfolio.
Third quarter data reveals strong earnings momentum among the nation’s financial cooperatives.
Investment growth at credit unions has been positive for four out of the past six quarters.
With rising Federal Reserve rates and increased consumer confidence, the credit union industry posted positive year-over-year investment growth in the first quarter for the first time since 2013.
The movement’s investment portfolio in the first quarter remains liquid for lending and buffers against rising interest rates.
Callahan & Associates and Gene Pelham discuss how Rogue identified the opportunity in a high-yield loyalty program, how it determined the parameters of the program, how it positions the program, and what it expects from 2017 and beyond.
Rogue Credit Union beats the market and its peer averages with an ownership savings account.
Lending is the engine that powers credit unions, and these seven ratios will help every employee understand why.
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.
The NCAA tournament is down to the Final Four, and regional credit union performance data from Callahan & Associates has predicted the winner.
Kevin Kesecker, vice president and chief lending officer for SECU of Maryland, offers advice on how to review packaged loans to make sure they are attractive — and worthwhile — to the credit union.
Properly pricing and managing the loan portfolio is a major driver of success for a credit union.
Properly pricing and managing the loan portfolio is a major driver of success for a credit union.
Credit unions are keeping their powder dry waiting for rates to rise.
Lending, originations, revenue, and membership all show how the state’s financial cooperatives have positioned themselves for success this year.
Data shows how some credit unions are able to obtain a better investment return than others.
Luck only lasts so long. That's why every credit union needs a long-term roadmap for this crucial area of its business.
Credit unions in the Cornhusker state best national average by 25 basis points.
How can cooperatives best manage through the quantitative easing fog?
Financial institutions who sought a higher yield during the historically low interest-rate environment could see longer-term bond prices dive when rates go up.
Credit unions must balance aggressiveness in their investment strategy against their appetite for risk.
An in-depth investment policy and portfolio review can reveal new options and clarify next steps for growing credit unions.
Many MBS pools look alike on the surface but digging deeper can reveal major differences. Part 2 looks at how the Conditional Prepayment Rate can affect yield.
Callahan data shows the top quartile of credit unions by average investment return generate an average return of 1.92%, over six times the 31 basis point average return generated by the bottom quartile.
Credit unions can weigh the value of indirect auto lending by comparing several financial metrics.
Tracking total return provides multiple insights for ongoing asset and liability management and investment options.
Jeff Greenert, senior portfolio manager at VyStar Credit Union, addresses the investment struggles some credit unions are facing.
Credit Unions top the list of financial institutions that provide the highest yields on checking accounts, a recent survey found.
Credit unions can improve earning interest income.
There are no silver bullets for investments, but there are options to help credit unions create a portfolio mix that reflects their needs.
Board education is essential for credit unions that want to enhance their short-term investment yield while maintaining liquidity.
12-month loan growth, provision for loan losses, loan portfolio profile: Three metrics to evaluate your credit union and bridge the gap between macro trends and micro performance.
Credit unions manage expenses despite economic challenges.
Second quarter data highlights areas of loan opportunity within an otherwise flat-growth portfolio.
As interest rates hamper loan yields, credit cards are becoming a vital source of income and a crucial component in institutional lending strategies.
In an environment of shrinking loan demand, low investment yields, and excess deposits, credit unions that offer short-term loan products have advantages.
Looking for higher yields? Consider your card portfolio.
Share growth has rapidly outpaced loans throughout 2009. Despite this mismatch, credit unions experienced some positive changes in their business model.
Considering notional versus marginal costs is vital for deposit pricing during a period of sustained low interest rates.
The credit union investment portfolio has been a source of balance sheet growth in 2009, up 18.5 percent over the past year to $261.2 billion. Learn the composition of the industry’s portfolio and the opportunities available in 2010.
The Federal Open Market Committee (FOMC) Statement released last Wednesday had no major surprises. As the Fed recognized improvement in economic conditions, there are two important phrases that could influence the way credit unions manage their investment portfolios.
Members are seeking money market accounts to strike a balance between rates and liquidity.
The graphs in this section come courtesy of Card Services for Credit Unions. By using the CSCU portfolio as a proxy, we are able to infer trends that are having an impact on the credit union card portfolio as a whole.
It is our view that the U.S. economy has entered a recession, probably around the turn of the year. The question is--how deep and how long will the recession be?
Breaking down the old credit union investment model and shedding light on a better way to view your portfolio.
As a turbulent economy provides many worries for most financial institutions, credit unions have a unique opportunity.
After holding the Federal Funds rate at 5.25 percent for more than a year, the Federal Reserve has now lowered the target rate by one percent in less than two months. Will the reduction in rates be a positive for credit unions?
2006 saw ups and downs in the market. How did the top credit unions manage their investments in this changing marketplace?
Although recent indicators point toward a stronger economy than anticipated, positioning your portfolio for an interest rate decline in 2007 still makes sense.
While the average investment yield rose to 3.6 percent as of March 2006, credit unions should consider investing in mortgage-backed securities to generate even higher yields.
Economic theory and common sense tell us that loan demand should slack off as interest rates rise, but first-quarter data shows a different picture.
Over the past year interest rates have been on the rise, but quarterly loan yields have continued to fall. What should credit unions expect in the coming year?
Loan production is pushing the loan to share ratio upward. Will shares support this growth? Perhaps. But credit union managers are redefining growth strategies to extend credit to more of its membership.
The first quarter is typically when credit unions experience the largest increase in shares for the year. How can credit unions make the most of the environment?
The intermediate part of the yield curve has seen very little movement in the past year. The challenge for credit unions is forecasting this part of the curve in their ALM process.