Lending

Modifications & TDRs

By Erik Payne | Feb. 1, 2021

Low interest rates have ignited interest in refinances. At Star One, mortgage modifications build member loyalty.

By Samantha Cristobal | Nov. 2, 2020

Loan performance in 2020 might shed light on the future of credit union lending.

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.

 

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By IMM: The eSignature Company | Nov. 9, 2015

Making it easy to modify loans increases yield and revenue while building loyal relationships to last beyond the original note.

By Janet Lee | Feb. 24, 2014

Credit unions have much to celebrate when they visit their legislators during this year's GAC. Here are five significant ways credit unions impacted their communities and members in 2013.

By Alix Patterson | July 17, 2013

By Drew Grossman | May 6, 2013

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

By Alix Patterson | March 13, 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 Alix Patterson | Dec. 19, 2012

By Michael J. Sacher | Dec. 17, 2012

ALL insights and observations for year-end 2012.

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 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. 15, 2012

Credit unions are triggering local economic rebounds in housing, employment, and small businesses.

By Lydia Cole | July 1, 2011

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

By Aaron Pugh | July 1, 2011

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

By | April 11, 2011

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

By | Jan. 31, 2011

Digital Federal Credit Union gets in front of problem loans with outreach and creative solutions.

By Chip Filson | July 1, 2010

A look at Bank of America and the credit union system during the Great Recession.

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 Rebecca Wessler | June 14, 2010

State Employees Credit Union holds more than 4,000 modified first mortgages. Here, SECU’s SVP of mortgage lending provides insight on how the credit union manages its portfolio.

By Callahan & Associates | May 1, 2010

Affinity FCU in New Jersey grew loans 14% year-over-year first quarter. It did so by sticking with its members in bad times as well as good, working with the members as individuals, keeping the lending spigot open, and picking up business from former bank customers.

By Callahan & Associates | May 1, 2010

Loan modifications were on the rise as Americans shuffled their finances to adapt to the changing economic situation. Credit unions helped to their members to the tune of almost $6.1B.

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 1, 2009

Credit unions are doing their best to modify loans to help individual members and their bigger community. Here are 10 best practices used in the industry now.

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.