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The core components of credit union operating expenses indicate the business model is growing leaner.
For the one-third of credit unions that participate in member business lending, government restrictions influence their business models and local economies.
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.
Banking lobbying group’s argument against raising the MBL cap? Self-interest.
Credit unions increased short-term borrowings at the beginning of 2009 but reduced their liabilities amid a flood of deposits.
Callahan’s year end non-interest income survey provides a snap shot of the industry before Reg E changes take effect.
John Wade of the SBA discusses trends in member business lending, demand for credit by small businesses, the MBL cap, and the proclivity of credit unions to help small businesses.
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.
The extension of S.B.A. Loan Guarantees gives further incentive for credit unions to prove their worth.
While the value a credit union provides its owners is not always quantifiable, it is necessary to benchmark member value to measure its relative success at member service.