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Articles Tagged with 'savings'
Rates & Ratios: CUs Report Uptick in Loans
July 03, 2012
Credit union savings balances grew 0.2% in May compared to a 0.6% decrease in April.
Employee Retirement Plans: Learn from the Crisis
July 02, 2012
Traditional thinking about what makes a good retirement plan is being questioned.
In the Deep Freeze
May 07, 2012
Also chilling is research regarding consumers’ spending and savings habits.
Rates & Ratios: CU Loans Continue to Climb
December 10, 2011
CU union loans outstanding increased 0.3% during October 2011, their seventh-consecutive month of positive loan growth, reports CUNA’s economics and statistics department.
Rates & Ratios: CUs See Sixth-Straight Month of Loan Growth
November 01, 2011
CU loans outstanding increased 0.04% during September 2011—their sixth-consecutive month of positive loan growth.
Rates & Ratios: Mortgages Lead June Loan Growth
August 08, 2011
CU loans outstanding increased 0.3% during June 2011 compared to a 0.4% increase in May 2011, according to CUNA’s economics and statistics department.
Rates & Ratios: CU Loans Grow 0.4%
July 15, 2011
Unsecured personal loans led loan growth, followed by credit card loans, adjustable-rate mortgages, used auto loans, and fixed-rate mortgages.
The Looming Retirement Crisis
June 06, 2011
While mandated savings may be a tough sell, Americans may need more of a paternalistic, rather than libertarian, approach to get them to save for retirement.
Savings Challenge Generates $28 Million in Deposits
May 19, 2011
Young members have deposited more than $117.6 million into credit unions since the challenge started in 2004.
Rates & Ratios: Members Take Up ARMs
May 18, 2011
Overall, CU loans outstanding decreased 0.1% during March, compared to a 0.4% decrease during February.
Credit Union Magazine
July 2014 digital edition
Slide Show: The Daily Duties of a Home-Based CU Manager
Advocacy Puts Board Members on Offense
Regulators Focus on Interest-Rate Risk
Five Cyber Security Considerations for CUs
Win Employee Love: Four Steps
David, good point about the "recovering comfortably" comment. That was an editorial addition--which I'll remove.
Many good points but too rosy? Will the "Federal Reserve raise short-term interest rates 1% per year for the next three years, starting in 2015—“probably next year at this time” ? I have heard from other economist that the US government will go bankrupt if that happens due to the QE the fed has done for several years. Also it seems an exaggeration to say “We survived a heart attack,now the economy is recovering comfortably." Comfortably recovering is too ignore the economic stress that many members still live with daily that will eventually affect many credit unions.
Karan, Great article and insight. I would also recommend that you start getting those credit cards into the hands of the youth BEFORE they are in college. One of the best ways to reach this young generation is through mom and dad. Before the student goes to college, get them started with a credit card (even if mom and dad are joint on it). It's never too early to start marketing credit cards. Mark
I would respectfully disagree that transactional data is a good place to start. In my opinion, relationship data is a much better starting point. Transactional data tends to require more "mining" of thousands/millions of transactions to identify opportunities or threats. Relationship data, however, involves identifying and profiling your high-value relationships (those profitable relationships with multiple products/services, for example) and leveraging that information to attract/cross-sell similar members. Generally involves a bit less effort and quite a bit higher return.
Congratulations on a fine article. Perhaps the best advise is unsaid but exemplified throughout the article - namely avoiding the use of the term "Financial Literacy." The term is insulting and counterproductive because it implies that those who take the training are "Illiterate."
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