Lending

Delinquency

By Marc Rapport | July 6, 2020

CFOs from Workers and Patelco share their thinking about what’s to come and what they’re doing to prepare.

By Sam Taft | June 30, 2020

Following one of the most productive lending years in the history of the credit union movement, the first quarter of 2020 offered new challenges. But strong mortgage originations negated a pullback in consumer lending to push overall loan balances higher.

By Aman Johal | June 30, 2020

Historically low rates to start the year has contributed to strong mortgage lending through March.

 

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By William Hunt | June 30, 2020

First quarter data provides the earliest picture of the COVID-19 crisis on the credit union industry.

By William Hunt | May 18, 2020

Early first quarter data shows the industry balance sheet is changing as credit unions respond to COVID-19.

By Aman Johal | April 16, 2020

2019 has been the most productive lending year in the history of the credit union movement. Despite coronavirus uncertainty, strong loan growth and low delinquency bode well for the strength of the credit union balance sheet in the months ahead.

By Samantha Cristobal | April 16, 2020

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.

By Marc Rapport | Feb. 10, 2020

Ironworkers USA FCU uses swag and swagger to steal business from fintechs and save members big bucks.

By William Hunt | Feb. 3, 2020

Third quarter 2019 data shows that indirect loans still dominate the credit union industry’s auto portfolio, though momentum appears to have stalled in recent quarters.

By Aman Johal | Dec. 30, 2019

Third quarter lending performance rebounds from a slow first half of the year.

By Samantha Cristobal | Nov. 26, 2019

Member engagement is on the rise as credit unions build on post-recession membership surge.

By Charlotte Taft | Nov. 7, 2019

An interactive dashboard by Callahan & Associates offers insight into the loan portfolio of any credit union in the United States.

By SWBC | Oct. 7, 2019

If your credit union works with a third-party vendor for your collections efforts, you know how important it is to ensure your partners perform at an optimal level. These are the five standard reports that you should expect from your collections partner.

By Samantha Cristobal | Sept. 11, 2019

As credit card lending nationwide continues to rise, consumers are increasingly looking to credit unions as a source of lending.

By Sam Taft | Aug. 26, 2019

Incorporating peer analysis is an ideal way to enhance the impact of planning season.

By SWBC | Aug. 5, 2019

Consumer protections apply equally to in-house and outsourced collections teams, and training for compliance should be a priority.

By Aman Johal | July 15, 2019

Credit unions reported the best delinquency rates since before the Great Recession. A deeper dive into the data shows which areas are performing the best.

By Rebecca Wessler | Feb. 25, 2019

Five can't-miss data points this week on CreditUnions.com.

By Maya Neuman | Feb. 21, 2019

As lending rolls along at U.S. credit unions, members show their appreciation by making timely payments.

By Aman Johal | Feb. 14, 2019

Find out how credit unions performed in 2018, 10 years after the economic downturn.

By SWBC | Feb. 4, 2019

Protecting consumers and lenders alike takes on new urgency as sticker prices surge and loan terms lengthen.

By Marc Rapport | Feb. 4, 2019

An automated credit card approval process at the Oklahoma cooperative makes it easy to deepen the member relationship.

By Maya Neuman | Feb. 3, 2019

The economic landscape looks much different today than it did 10 years ago. How have credit unions navigated the changes in the larger economy?

By Aman Johal | Jan. 28, 2019

Auto market share and penetration rates increased at U.S. credit unions in the third quarter of 2018 even as indirect lending growth slowed.

By Samantha Cristobal | Jan. 2, 2019

Total loans at U.S. credit unions increased 9.5% in the third quarter of 2018 and reached an all-time high.

By Aman Johal | Jan. 2, 2019

Credit card balances were up 8.4% annually to $59.9 billion as of Sept. 30, 2018.

By Aman Johal | Nov. 28, 2018

Takeaways from a survey on how 284 credit unions are interacting with the changing lending strategies arising from automated-decisioning practices.

By Aman Johal | Nov. 28, 2018

Takeaways from a survey on how 284 credit unions are interacting with the changing lending strategies arising from automated-decisioning practices.

By Maya Neuman | Nov. 13, 2018

Lending is strong, asset quality is, too, as third quarter performance data rolls in.

By Maya Neuman | Nov. 5, 2018

Total loans at U.S. credit unions increased by 9.7% in the second quarter of 2018 and reached an all-time high.

By Rebecca Wessler | Aug. 27, 2018

Five can’t-miss data points this week on CreditUnions.com.

By Aman Johal | Aug. 27, 2018

Asset quality is stronger than one year ago as 2018 shapes up to be the best year for delinquency since the Great Recession.

By Aman Johal | Aug. 13, 2018

Balances as well as delinquencies for credit union credit cards were on the rise in the first quarter of the year.

By Ian Melhorn | Aug. 6, 2018

First quarter lending at credit unions contributed to an expanding balance sheet.

By Marc Rapport | May 7, 2018

The opening day at Card Forum 2018 reveals insight about artificial intelligence and real human beings that credit unions can better reach out to and engage.

By Aman Johal | Feb. 12, 2018

Innovative consumer loan and financial education products have helped BECU perform admirably in asset quality.

By Samantha Cristobal | Jan. 31, 2018

Aggregate credit card balances outstanding at credit unions reached a record high at third quarter 2017.

By Rebecca Wessler | Dec. 25, 2017

Credit unions share their best practices with CreditUnions.com all year. Here, Callahan’s staff writers share their selections for a handful of lesser-known pieces that are worth revisiting.

By Ian Melhorn | Dec. 1, 2017

Credit unions across the nation have helped drive their local economies by increasing their investments in small business.

By Liz Furman | Nov. 29, 2017

Earning assets are the majority of assets at credit unions. What factors impact how credit unions can leverage them?

By Greg Gonsalves | Sept. 1, 2017

At second quarter, annual credit card balance growth has hit its highest rate in the past 11 quarters.

By Greg Gonsalves | Sept. 1, 2017

See why member business loans are one of the fastest growing loan segments in the credit union loan portfolio.

By Marc Rapport | Aug. 21, 2017

A southern Louisiana credit union combines collections with counseling to improve loan performance as well as members’ lives.

By Marc Rapport | July 24, 2017

Managing risk and building relationships helps two small credit unions lend to C-D-E-paper borrowers.

By Aman Johal | July 1, 2017

Credit card lending is on the rise at the nation's credit unions.

By Ian Melhorn | July 1, 2017

Credit unions that participate in member business lending, a full 35.9% of the industry, posted 15.2% year-over-year growth, and total MBL balances hit a record high of $62.7 billion as of March 31, 2017.

By Aman Johal | June 26, 2017

Loan delinquency has been steadied by a balancing act between rising consumer and falling real estate loan delinquency.

By Rebecca Wessler | June 26, 2017

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

By Callahan & Associates | April 10, 2017

Twenty-eight graphs, charts, and maps that evaluate credit union performance in the fourth quarter of 2016.

By Maya Neuman | March 6, 2017

Student loan growth is on the rise and delinquency is falling at this California credit union.

By Greg Gonsalves | March 3, 2017

How America First, Mountain America, and Security Service divide and conquer the Utah auto market.

By Sam Taft | Feb. 13, 2017

Credit unions originated $343.6 billion through third quarter 2016 — that's an all-time record. See which areas contributed to this double-digit year-over-year growth.

By Liz Furman | Dec. 12, 2016

Use these metrics to better understand what third quarter auto data means to a credit union’s loan portfolio.

By Callahan & Associates | Dec. 1, 2016

Twenty-eight graphs, charts, and maps that evaluate credit union performance in the third quarter of 2016.

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 Liz Furman | Nov. 14, 2016

Callahan & Associates surveyed 333 credit unions to learn about automated decisioning practices in the consumer lending portfolio. Read about the results in this interactive article.

By Liz Furman | Nov. 14, 2016

Callahan & Associates surveyed 333 credit unions to learn about automated decisioning practices in the consumer lending portfolio. What did it find?

By Sam Taft | Nov. 7, 2016

Check out how the credit union loan portfolio fared in the first six months of 2016.

By Callahan & Associates | Oct. 31, 2016

Twenty-eight graphs, charts, and maps that evaluate credit union performance in the second quarter of 2016.

By Erik Payne | Oct. 28, 2016

How the Wyoming institution takes in stride the booms and busts of a mineral-based economy.

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 Michelle Parker | Oct. 10, 2016

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

By Liz Furman | Sept. 26, 2016

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

By Liz Furman | Sept. 19, 2016

Credit unions step up to empower members with responsible student lending options.

By Marc Rapport | Aug. 22, 2016

Redstone Federal Credit Union combines risk and reward in its counseling-lending program and casts a wary eye at proposed CFPB changes in short-term loan regs.

By Liz Furman | Aug. 22, 2016

Loans surpassed $800 billon in the first three months of the year. Here’s how to make sure the industry's growing portfolio stays strong.

By Michelle Parker | Aug. 16, 2016

Second quarter data shows industry real estate loan growth is strong, but lenders should take portfolio quality and state-level trends into consideration.

By Liz Furman | Aug. 5, 2016

Overall delinquency is following the traditional cycle, but this year’s numbers might indicate a break in generally declining delinquency rates.

By Callahan & Associates | July 4, 2016

Twenty-eight graphs, charts, and maps that evaluate credit union performance in the first quarter of 2016.

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 Michelle Parker | June 13, 2016

Lending is the engine that powers credit unions, and these seven ratios will help every employee understand why.

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 Michelle Parker | June 1, 2016

Real estate originations and balances climbed in the first quarter of 2016, showing the credit union industry is well positioned to serve the housing needs of members.

By Michelle Parker | April 14, 2016

The new accounting standard from FASB presents challenges and opportunities to credit unions and CUSOs.

By CU Student Choice | March 7, 2016

Private student lending has grown significantly in the credit union space, but it’s also often been viewed with a skeptical eye. Here's a look at the perceptions and realities.

By Stephanie Clark | Nov. 16, 2015

Results from a Callahan & Associates online poll show which lending models lead to higher credit union performance.

By Marc Rapport | Aug. 1, 2015

How better portfolio tracking, a grounded MBL roster, and support from a broad line of CUSOs are helping Mazuma make a mark in the Kansas City area.

By Aaron Pugh | July 1, 2015

Greater Nevada shares seven changes it has made over the past decade that have helped it succeed, no matter how the dice roll.

By Sam Taft | June 22, 2015

Hard hit during the recession, the Sand States kickoff 2015 with a return to growth.

By Kaufman & Canoles | May 18, 2015

These four lawsuits can provide valuable lessons to the industry.

By Andrew Bolton | March 3, 2015

How much money did credit unions lend in 2014? How much higher were the interest rates they offered on deposit products? How many workers did they employ? All that and more in this year's report.

By Janet Lee | March 2, 2015

Seven graphics highlight where the credit union industry gained the most momentum during the past year.

By Marc Rapport | Feb. 26, 2015

Equifax report buttresses evidence that subprime auto lending is opportunity for credit unions to do good while doing well.

By Marc Rapport | Nov. 10, 2014

The California credit union uses a range of products to help members avoid payday lenders and build their credit.

By Marc Rapport | Nov. 10, 2014

Proposed changes under the Military Lending Act could limit payday lending alternatives.

By Rebecca Wessler | Oct. 13, 2014

Lending in South Texas might be riskier than some institutions’ appetites allow, but NavyArmy enjoys a little spice in its portfolio.

By Marc Rapport | Oct. 7, 2014

NBC, NYT pieces on collections give credit unions pause for thought.

By Timothy Kolk | Sept. 3, 2014

Tim Kolk of TRK Advisors discusses credit card program reporting strategies in this Credit Card Management School webinar.

By Janet Lee | Aug. 4, 2014

From higher loan balances to lower delinquency rates, credit unions outperformed all other auto lenders in the first quarter.

By Jay Johnson | April 14, 2014

How to re-examine traditional benchmarking metrics and truly tell the credit union’s story.

Six steps to help credit unions secure the ability to recover their funds.

By Andrew Bolton | Jan. 30, 2014

Callahan & Associates predicts the winner of Super Bowl XLVIII by analyzing credit union performance data.

By Andrew Bolton | Nov. 12, 2013

Credit union first mortgage originations beat 2012’s record pace through the first nine months of 2013.

By Mark Reed | Nov. 11, 2013

By Erik Payne | Oct. 7, 2013

How America’s Credit Union uses bankruptcy scores to improve its loan decision-making process.

By Catherine Siskos | Oct. 7, 2013

Both automated and decentralized underwriting systems offer pros and cons to consider.

By Alix Patterson | Sept. 11, 2013

By Alix Patterson | Aug. 13, 2013

By Janet Lee | July 19, 2013

By Catherine Siskos | June 17, 2013

A Los Angeles credit union's bold strategy of rate reductions and long-term financing attracts quality auto loans.

By Aaron Pugh | June 17, 2013

An adjustable rate consumer loan product is helping one Kentucky credit union mitigate ALM vulnerabilities and maintain a competitive alternative for borrowers when rates begin to rise.

By Mark Reed | June 14, 2013

By Parth Kapoor | May 23, 2013

By Aaron Pugh | May 21, 2013

Intuitive product development and positioning helped turn on the tap for new lending in a Florida community.

By Parth Kapoor | March 25, 2013

By Michael J. Sacher | Jan. 18, 2013

Mike Sacher and Alix Patterson review issues related to the allowance for loan losses including the latest data on credit union asset quality trends, given the recent changes in regulatory reporting, and what credit unions need to consider for the coming year. 

By Aaron Pugh | Dec. 31, 2012

Element Federal has lessons for all credit unions when it comes to innovation.

By Michael J. Sacher | Dec. 17, 2012

ALL insights and observations for year-end 2012.

By Andrew Bolton | Dec. 7, 2012

By Parth Kapoor | Dec. 6, 2012

By Rebecca McClay | Dec. 3, 2012

Texas-based Navy Army Community Credit Union’s loan growth surge in 3Q 2012 proves some risk is worth taking.

By Mark Reed | Dec. 3, 2012

Credit unions are improving asset quality across the board with all of the Sand States posting double- or triple-digit gains.

By Jay Johnson | Oct. 22, 2012

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

By Rebecca McClay | Oct. 15, 2012

Each mortgage modification a credit union makes to help members avoid foreclosure keeps the housing market in better health.

By Rebecca McClay | Oct. 10, 2012

Credit card delinquency has reached an 11-year low, indicating credit card borrowers are increasingly worthy of their credit.

By Aaron Pugh | Oct. 1, 2012

Michigan State University FCU invests in entrepreneurs to retain young membership and jump-start community businesses.

By Rebecca Wessler | Oct. 1, 2012

Individualized attention to decisioning and underwriting ensures Members 1st makes solid loans for every member, every time.

By Melissa Forsyth | July 12, 2012

Spokane Teachers Credit Union restructures members' mortgage loans to increase collections and avoid write-offs.

By Rebecca McClay | June 11, 2012

Credit unions catering to Ukrainian Americans are finding their footing in lending while reducing delinquency.

By Timothy Kolk | May 28, 2012

Keep your credit card management skills up-to-date as competitive risks are increasing.

By Rebecca McClay | May 28, 2012

Save your members from foreclosure and bankruptcy by connecting them with state assistance.

By Aaron Pugh | April 23, 2012

State Department FCU’s in-house legal counsel drives a double-digit increase in recoveries and shortens collection turnaround time.

By Lydia Cole | March 12, 2012

Bank delinquency figures have declined faster than credit unions’ delinquency rates, but remain elevated compared to the unemployment rate.

By Rebecca McClay | March 5, 2012

Navy Army Community Credit Union in Texas has secured 24.6% auto loan growth in 2011 in part by assessing its borrowers one by one.

By Mark Reed | Feb. 20, 2012

FirstLook Data indicates that credit unions may be able to improve their 2012 outlook as asset quality remains stable and some delinquency rates are improving.

By Michael J. Sacher | Jan. 27, 2012

A summary of key provisions of the proposed action with commentary on what the rule will mean for credit unions.

By TransUnion | Jan. 23, 2012

Data-driven lending strategies can help credit unions get the results they want.

By Callahan & Associates | Jan. 1, 2012

3Q 2011 Peer Group Performance Comparison: Distribution of Assets & Institutions Across All Peer Groups, Asset Quality by Peer Group, Distribution of State Performance: YTD Auto Loan Market Share

By TransUnion | Dec. 12, 2011

Credit unions can cautiously plan for a drop in late payments on home loans and credit cards by mid-2012, but not before a slight uptick.

By Aaron Pugh | Nov. 21, 2011

The need for borrower education, lender responsibility, and school transparency is at the heart of the student lending debate.

By Brianne Aiken | Nov. 16, 2011

Northwest Federal Credit Union turns a difficult situation into a chance to engage and help members.

By Timothy Kolk | Oct. 10, 2011

Managing a credit card program is difficult, but it can be very rewarding.

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

2Q 2011 Peer Group Performance Comparison: Distribution of all Assets & Institutions Across All Peer Groups, Asset Quality by Peer Group, Distribution of State Performance: YTD Auto Loan Market Share

By | Sept. 26, 2011

Credit risk is increasing, real estate values are falling, and unemployment is rising. Can credit unions make more loans under tighter guidelines?

By Mark Buschur | Sept. 19, 2011

Soft loan demand may be one economic indicator that’s not so whacky.

By Andrew Bolton | Aug. 22, 2011

Credit unions across the country are using their knowledge of local markets to boost the community's economy.

By Lydia Cole | Aug. 15, 2011

Credit unions weather a turbulent economy in the first half of 2011 in many areas, Callahan & Associates' FirstLook data shows.

Feature
Top Of The Hill

By Thomas Cullen | Aug. 8, 2011

McGraw-Hill Federal Credit Union thrives because of its strong products and determination to save members money.

By Lydia Cole | Aug. 8, 2011

Loan delinquencies declined in the second quarter, helped by all major product area improvements.

By Lydia Cole | July 25, 2011

Credit union provisions for loan losses are at the lowest level since the second quarter of 2008. How low can they go?

By Lydia Cole | July 1, 2011

The team at GTE FCU managed the credit union through home prices declines and high unemployment.

By Callahan & Associates | July 1, 2011

1Q 2011 Peer Group Performance Comparison: The Consolidated Credit Union Financial Statement, Peer Group Performance Comparison, Distribution of Assets and Institutions Across All Peer Groups, Asset Quality by Peer Group, Distribution of State Performance: YTD Auto Loan Market Share

By Callahan & Associates | July 1, 2011

What every Board volunteer needs to know to steer a credit union in 2011.

By Andrew Bolton | June 27, 2011

Increased loan originations and strong earnings show credit unions in this Sand State are far from sunk.

By Lydia Cole | May 30, 2011

The ongoing recovery spurred the nation’s 7,442 credit unions during first quarter 2011. Highlights include improved earnings, dramatic drops in delinquency and charge-offs, and deeper member relationships.

By Andrew Bolton | May 23, 2011

Credit unions in the Grand Canyon State are saving members’ homes and earning positive net income.

Feature
Ready to Go

By Thomas Cullen | May 16, 2011

FirstLook credit unions show solid performance in first quarter 2011.

By Lydia Cole | April 29, 2011

Key metrics to evaluate your credit union and bridge the gap between macro trends and micro performance.

By Aaron Pugh | April 28, 2011

Consumers are drowning in bad advice about their troubled mortgages.

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 Thomas Cullen | April 14, 2011

Security Service Federal Credit Union doesn’t let account delinquency dampen spirits or stall business.

By | April 14, 2011

One Virginia credit union shows how it incorporates email into the collections process.

By Thomas Cullen | April 11, 2011

Staff education, communication, and specialization keeps members of one New Mexico credit union on the right loan track.

By Andrew Bolton | April 11, 2011

Delinquency and net charge-off rates are falling amid a recovering economy.

By | April 11, 2011

Staff education, communication, and specialization keeps members of one New Mexico credit union on the right loan track.

By Thomas Cullen | April 4, 2011

Collections is a tough business, but the right attitude means the right results.

By Alix Patterson | April 4, 2011

A new standard for member relationships is waiting.

By Aaron Pugh | April 1, 2011

Take an in-depth look at how GTE got going in tough times.

Feature
Storm Busters

By Aaron Pugh | March 17, 2011

Credit union mortgage modifications keep the dream of home ownership alive in North Carolina.

By Aaron Pugh | March 17, 2011

Sand states rebound in asset quality.

By Andrew Bolton | March 17, 2011

Delinquent loans fell year-over-year in 4Q. Take a look behind the metrics.

By | Feb. 21, 2011

Will force-placed insurance increase delinquency or predict it?

By Jay Johnson | Feb. 21, 2011

Five trends highlight how the industry is positioned to meet consumer demand in 2011.

By Lydia Cole | Feb. 21, 2011

Credit unions across the United States posted improvements in asset quality.

By Aaron Pugh | Feb. 7, 2011

A lesson in (controlled) aggression positions one $42 million credit union for a substantial year of growth in 2011.

By Lydia Cole | Feb. 7, 2011

Credit unions finished 2010 focused on three areas: asset quality, loan volume, and earnings.

By Thomas Cullen | Jan. 20, 2011

Key metrics illustrate the climate of real estate lending.

By Aaron Pugh | Dec. 27, 2010

Credit unions are refortifying modification efforts and balancing risk and reward for short sells and foreclosures.

By Jay Johnson | Dec. 13, 2010

Credit unions have turned in strong financial performances throughout 2010.

By Lydia Cole | Nov. 1, 2010

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

By Michael J. Sacher | Sept. 27, 2010

Three signs of pending improvement that impacts the allowance for loan losses.

By Michael J. Sacher | Sept. 21, 2010

Regulators are on Venus, credit unions are on Mars.

By Lydia Cole | Sept. 9, 2010

Quarterly provisioning for loan losses is at the lowest level in eight quarters.

By Rebecca Wessler | Sept. 8, 2010

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

By Alix Patterson | Aug. 30, 2010

With three hurricanes brewing in the Atlantic, we look back to one of the most disastrous storms to ever hit the United States and how today's credit unions are building on the strengths that were revealed during that horrible time.

By Alix Patterson | Aug. 23, 2010

The first half of the name is one of the most important functions credit unions serve today—to provide loans.

By Chip Filson | Aug. 23, 2010

A Senior Examiner presented the Agency’s latest slide deck on the state of the credit union system and the focus of upcoming exams. One CEO, due for an exam, wrote me in reaction to the slides.

By Alix Patterson | Aug. 23, 2010

FirstLook data shows regional changes in delinquency, charge-offs, and coverage ratios.

By Lydia Cole | Aug. 23, 2010

The state’s credit unions posted a pre-stabilization expense ROA of 0.15%, the first positive return since December 2007.

By Aaron Pugh | Aug. 16, 2010

FirstLook data for 2Q shows impressive growth and stability in the Great Plains states.

By Lydia Cole | Aug. 2, 2010

Initial industry figures for second quarter 2010 reflect improvements in the financial industry.

By Alix Patterson | July 26, 2010

Evaluating both micro and macro industry performance helps credit unions synthesize different levels of analysis and create a narrative of strengths and weaknesses.

By Alix Patterson | July 19, 2010

Analysts put a different spin on the nation's largest banks releasing some of their provision for loan losses during the 2nd quarter.

By Callahan & Associates | July 1, 2010

Credit unions across the country are doing their best to balance the needs of individual members in economic stress and the financial health of their loan portfolio. Often, this nivolves being willing to modify the terms of a loan to lower the monthly payment to a level affordable to the member. This spread assesses the credit union industry's real estate modification efforts in the 18 months that data has been available.

By Callahan & Associates | July 1, 2010

As interest rates hamper loan yields, credit cards are becoming a vital source of income and a crucial component in institutional lending strategies.

By Rebecca Wessler | June 17, 2010

The number of banks that are missing TARP payments is on the rise.

By Rebecca Wessler | May 24, 2010

This is a great presentation, filled with great takeaways. Every car lending CU ought to see this presentation. If they don’t already have comparable tracking data they need to develop it.

By Lydia Cole | May 24, 2010

Industry averages indicate declining delinquency and charge-off ratios. What is happening at the state level?

By Aaron Pugh | May 24, 2010

Credit unions’ willingness to consider the reasons behind modification requests can lead to a healthier loan portfolio.

By Elliott Kashner | May 24, 2010

Drops in delinquency and net charge-off rates indicate a likely turning point in asset quality rather than a one-quarter hiccup.

By Elliott Kashner | May 19, 2010

Delinquency and charge-off trends indicate a turning point in asset quality.

By Aaron Pugh | May 10, 2010

California’s Arrowhead Credit Union shows a tenacious turnaround, making tough decisions, and running lean and mean in the recovering marketplace.

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 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 Aaron Pugh | April 26, 2010

Patelco and GTE manage expenses and asset quality to earn their way back.

By Michael J. Sacher | April 16, 2010

Trends as well as theory drive the management of the ALL balance.

By Lydia Cole | April 9, 2010

Is there a secret reason for low delinquency in Texas?

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 Origence | April 5, 2010

The correct analytic tools aid in the management of lending strategies, reduce delinquency and loss levels, and heighten loan growth, even in challenging economic environments.

By Callahan & Associates | April 1, 2010

Credit unions should compare its ALL with its peers to create a ALL policy that guides decisions and benchmarks performance.

By Chris Tissue | March 29, 2010

In an environment of shrinking loan demand, low investment yields, and excess deposits, credit unions that offer short-term loan products have advantages.

By Aaron Pugh | March 22, 2010

What your collection department can do to achieve success and stay “the good guys” in a tough economic and media environment.

By Lydia Cole | March 22, 2010

Four graphs explore differences in asset quality by region of the country.

By Lydia Cole | March 17, 2010

Looking for higher yields? Consider your card portfolio.

By Lydia Cole | March 17, 2010

Looking for higher yields? Consider your card portfolio.

By Elliott Kashner | March 1, 2010

With lingering concerns regarding asset quality, credit unions build their allowances and increase their coverage ratio in 2009.

By Callahan & Associates | Feb. 18, 2010

3 themes dominated headlines in 2009: lending, asset quality, and earnings. And leaders in each of these categories demonstrate they may have just had the best year ever.

By Lydia Cole | Feb. 8, 2010

How does the performance of the largest 10 credit unions stack up against the overall industry?

By Alix Patterson | Jan. 11, 2010

This weekend, two writers in national papers discussed "strategic defaults" -- when a homeowner choses to walk away from a house underwater, rather than continuing to pay their mortgage.

By Rebecca Wessler | Jan. 7, 2010

SECU's effective lending strategy keeps members first and never gets too complicated.

By Elliott Kashner | Jan. 4, 2010

Mortgage lenders did not expect 2009 to be kind to their balance sheets. For consumers who lost their jobs, went underwater on their homes, or suffered through plunging net worth, paying the mortgage seemed an increasingly daunting task. The year wasn’t shaping up to be a “growth” year in the mortgage market.

By TransUnion | Jan. 4, 2010

While delinquencies are expected to decrease slowly at the national level, it is important to also understand the impact of market trends at the regional level. Here are 4 suggestions to successfully manage accounts and prevent losses.

By Lydia Cole | Dec. 14, 2009

Asset quality in the card portfolio is stabilizing.

By Callahan & Associates | Dec. 14, 2009

By Callahan & Associates | Dec. 7, 2009

APL FCU in Maryland leveraged the CARD Act to teach their members about responsible credit card practices. They’ve seen new outstanding card balances triple from the year prior.

By Michael J. Sacher | Nov. 23, 2009

A high-level overview of best practices and lessons learned from ALL strategy.

By Nick Connors | Nov. 23, 2009

Although declining credit availability at the largest lenders continues to make headlines in 2009, the credit union system is originating near-record loan volumes in the face of this contraction.

By Lydia Cole | Nov. 16, 2009

When faced with an excess of repossessions, area credit unions in Northern Florida collaborated to hold a mass disposition sale to the public.

By Nick Connors | Nov. 9, 2009

While one-time expenses and a struggling external market put additional pressure on credit union bottom lines, it may be that time is one of the most important sources of credit union capital.

By Lydia Cole | Nov. 2, 2009

Preliminary results from credit unions participating in Callahan & Associates’ FirstLook program indicate continued strong share growth and lending activity in the third quarter.

By | Nov. 2, 2009

Since some of the larger financial institutions around the country that were doing indirect lending have all but abandoned it, there is now a great opportunity for credit unions to step into the void and serve those members and potential members. Smart credit unions have done so successfully while managing risk effectively.

By Nick Connors | Oct. 12, 2009

After declining in 2008, credit union auto lending is back on the rise in the first half of 2009 and indirect lending has been a major factor in that growth.

By Nick Connors | Oct. 5, 2009

First mortgages, partially driven by the first time home buyers tax credit, dominate mortgage lending in early 2009.

By Callahan & Associates | Oct. 1, 2009

Collections pratices are not a topic that credit unions typically get excited to talk about, but collections strategies are necessary especially in the recent economic downturn.

By Alix Patterson | July 27, 2009

The OCC and OTS Mortgage Metrics Report for the 1st Quarter of 2009 shows some glimmers of hope in the modifications efforts by the nation's largest banks. The bad news? Previous efforts set the bar for improvement pretty low.

By TransUnion | July 27, 2009

The number of members and non-members using credit unions primarily for auto financing is increasing as auto loan delinquencies continue to rise. It is important for credit union managers to meet these challenges and maintain a steady flow of loan products to its members.

By Callahan & Associates | July 1, 2009

As the economy continues to worsen, even credit unions in relatively better-faring parts of the country need to consider the potential financial management changes their members may be making.

By Elliott Kashner | June 22, 2009

Credit unions have been leveraging the opportunities in the mortgage market to reach record high market share and minimize risk.

By Alix Patterson | May 4, 2009

“There is no escaping the distributional question: Any solution to the housing crisis—including doing nothing—is a distributional question.”
--Foreclosure Crisis: Working Toward a Solution

By TransUnion | April 27, 2009

"Collections" is not a bad word in this economy. Learn how to employ member-centric collections strategies to retain members, educate them on fiscal responsibility, and in the long run, strengthen their loyalty to your credit union.

By Alix Patterson | April 27, 2009

At year end, 670 credit unions had at least one real estate loan modification on their call report, a 40 % increase from September. Here are some tips we've received from credit unions that have active modification programs.

By Alix Patterson | April 13, 2009

Starting with the September 30, 2008 call report, credit unions were required to report their loan modification efforts. The data show that not all credit unions are reporting modifications and delinquency the same way but it does point to a growing challenge facing the industry. Here’s a brief look at the numbers in 5 easy-to-understand charts.

By Alix Patterson | April 13, 2009

We interviewed a number of mortgage executives at credit unions across the country for any upcoming event we’re hosting on May 6th. Here are 6 tips they’ve offered so far.

By Callahan & Associates | April 1, 2009

Wright-Patt Federal Credit Union, BECU, and Tower Federal Credit Union talk about how they're responding to the lending market.

By Callahan & Associates | April 1, 2009

Credit unions have kept its real estate loan portfolios healthy, by helping its members during hard times and making smart loans.

By | March 30, 2009

Basic underwriting principles mitigates risk exposure and builds high quality loan portfolios.

By Michael J. Sacher | March 23, 2009

Understanding the difference between a restructure versus a troubled-debt restructure is critical in an era of rising real estate delinquencies and foreclosures.

By Callahan & Associates | March 16, 2009

When it comes to determining and understanding risk in your real estate loan portfolio, not only is it important to have the right data, it is important to know how to use it.

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 Michael J. Sacher | March 16, 2009

A critical review of your credit union's methodology for determining the allowance for loan losses is essential in today's economy.

By Nick Connors | Feb. 9, 2009

Thus far, Callahan & Associates has received data from credit unions representing a total of $221.8 billion dollars in assets, or approximately 27.2% of the total industry. From this data, we have the opportunity to see trends that shed some light on credit union performance through the end of 2008.

By Elliott Kashner | Feb. 9, 2009

Credit unions can take proactive steps to prevent members from falling behind on their mortgage payments.

By | Feb. 2, 2009

Mortgage lenders should closely monitor the Home Price Index and Core Mortgage Risk Index in 2009.

By Bill Vogeney | Jan. 26, 2009

Beleagured members benefit when Ent Federal Credit Union's collections team morphs into proactive Member Solutions department.

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 Callahan & Associates | Jan. 1, 2009

3Q Mortgage Data: Real Estate Purchase Index, Real Estate Refinance Index, Credit Union 1st Mortgage Originations, 1st Mortgage Originations CU Volume and Market Share, 1st Mortgage Delinquency: Credit Unions vs. Banks

By Brett Christensen | Dec. 29, 2008

As the economy worsens, understanding indicators related to bankruptcy can help credit unions identify members who may need help.

By Lydia Cole | Dec. 1, 2008

What can your collections department do to increase collections while strengthening member relationships?

By Lydia Cole | Nov. 17, 2008

While delinquencies and charge-offs are rising, credit unions continue to help their communities by modifying mortgages for strapped borrowers.

By Chip Filson | Oct. 20, 2008

Could credit unions, the smallest of all financial institutions, be the foot soldiers to start the financial turnaround everyone is seeking?

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 Jay Johnson | Sept. 8, 2008

Credit unions have systematically created intra-industry solutions to fulfill needs in payments, insurance, investment options and lending platforms. The major area in which credit unions continue to be dependent on third party solutions is the secondary mortgage market.

By Chris Tissue | Sept. 8, 2008

The damage from the mortgage meltdown and credit crunch continues to impact bank income statements and balance sheets in 2008. Credit unions, on the other hand, continue to reap the combined benefits of their cooperative business model.

By Ray Springsteen | Aug. 4, 2008

Due to the high profile failures of financial institutions, members are asking a new question. The question: ‘Is my credit union safe?'. How can you help members understand that the credit union is a safe and sound financial institution?

By Callahan & Associates | July 1, 2008

With gas and food prices, layoffs and buyouts up, consumers are recognizing the value of the cooperative model with membership topping 88.9 million and lending and share balances quickly growing.

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

First mortgage originations for credit unions are up 52.9 percent over the past year, while the Mortgage Bankers Association reports that first mortgage originations nationally were down 6.7 percent. With this overall decrease in first mortgage originations comes a decrease in competition.

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 Fannie Mae | June 23, 2008

What can your credit union be doing to help members avoid foreclosure?

By Mike Werstuik | May 12, 2008

The Fed’s just-released March Senior Loan Officer Opinion Survey reported banks are continuing to tighten mortgage lending standards. Meanwhile, credit unions are reporting double-digit increases in mortgage volume.

By Mike Werstuik | April 14, 2008

As earnings have been a major focus in the credit union media, the cause for the decline in net income may not be what you think. Two CUs also share their thoughts on the current environment.

By Chip Filson | Feb. 25, 2008

One credit union's credit quality plan needs feedback about their current actions. What more might be done?

By Mike Werstuik | Jan. 7, 2008

In a recently released report, the California Department of Financial Institutions surveyed all state charted banks and credit unions on their non-traditional mortgage holdings. We take a closer look at the numbers that remain positive for credit unions.

By Mike Werstuik | Dec. 10, 2007

With credit worries surrounding financial institutions, credit unions are maintaining solid asset quality, but could do better to prepare for losses.

By Lydia Cole | Sept. 10, 2007

Mortgage lending has remained in the headlines throughout the credit crunch. Credit union delinquency rates offer another perspective on the situation.

By Mike Werstuik | Aug. 27, 2007

With both loans and shares growing faster than that of banks in the second quarter, credit unions are poised to gain market share in several key categories.

By Mike Werstuik | July 30, 2007

With headlines of subprime abuses flooding the front pages of newspapers recently, how are credit unions stepping up and helping members who are struggling with their mortgages?

By Mike Werstuik | July 2, 2007

As stories on home foreclosures continue to make front page news, how are credit unions faring in this storm of a housing market?

By Mike Werstuik | June 11, 2007

Mortgage lending continues to be an area of credit union growth. In the first quarter, new information on interest-only mortgages and delinquencies show credit unions safely expanding their first mortgage product line.

By Keith Carson | June 4, 2007

Instead of basing your portfolio on a single credit score cut-off, a more sophisticated approach can help you to reduce losses, more accurately determine reserves and improve account acquisition and retention.

By Mike Werstuik | May 7, 2007

A preliminary look into first quarter data shows continued momentum in credit union growth in 2007.

By Mike Werstuik | April 23, 2007

Credit unions have been outperforming the market in mortgage delinquencies and foreclosures. How did they compare to banks and mortgage brokers in some of the metropolitan markets with the highest foreclosure rates?

By Paul Seizert | Feb. 19, 2007

Loan Delinquency: Year-end data reveals total delinquent loan amounts rose but delinquency rates fell over the past five years.

By Joe James | Oct. 10, 2005

With rising gas prices and other economic uncertainties, people are turning to credit cards to help cover their expenses. Find out how much of an effect this has had on the credit union movement.

By Lender Support Systems, Inc. | Sept. 12, 2005

If you implement and enforce sound lending policies yet still have a problem with delinquencies and loan losses, an effective collections program is the solution.

By Joe James | Aug. 2, 2004

The presidential campaigns and First Look are both in full swing. In this article, we combine the both of them to predict who will win the presidential election in November.