2Q19 Trendwatch

This must-attend quarterly event for credit union leaders covers performance trends, industry success stories, and areas of opportunity.

 
 

This must-attend quarterly event for credit union leaders covers performance trends, industry success stories, and areas of opportunity. Trendwatch attendees walk away with an understanding of the industry’s role in the larger sphere of financial services as well as how to strengthen their own position in the credit union market. Find insight you won't find anywhere else weeks before the official NCUA data release.

DOWNLOAD SLIDES

Part 1: Market Update
Part 2: Mid-Year 2019 Credit Union Results
Part 3: Strategic Challenges And Opportunities

How Do You Compare?

Go beyond the national averages. Dive deeper into individual credit unions, peer groups, state, and more using Peer-to-Peer. Let us walk you through your numbers with a custom performance scorecard.

Request A Free Custom Scorecard

Back to Videos

 

Aug. 15, 2019


Comments

 
 
 
  • Insightful presentation as always, but an important trend was misstated and should be clarified. At 16.33 of your third video ("Strategic Challenges and Opportunities"), you said the cost of funds was moving up at roughly the same rate as the loan yield which is basically what credit unions like to see; however it would seem to me that the cost of funds is actually growing more than 6 times faster than loan yields. I would not call 6 times "slightly." Six times faster could be cause for concern. (Loans delta 28/460=6% increase; Cost of funds delta 27/70=39% increase).
    Steven Decker
     
     
     
  • Thanks for your question. I was referring to the absolute rate of change (27 basis points vs 28 basis points). You are correct that the slope of the curves are very different. It will be interesting to see the dynamics of both in the second half of the year given the changing interest rate environment. Credit unions are typically slower to adjust to falling rates so we will see if that plays out going forward.
    Jay Johnson