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Articles Tagged with 'mortgages'

Time to Rethink Mortgages

August 02, 2010
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Rates & Ratios: Mortgages Lead Loan Growth

July 06, 2010
Credit union loans outstanding increased 0.1% during May 2010, compared to a decrease of 0.1% during April 2010, according to CUNA's economics and statistics department. READ MORE

Rates & Ratios: CUs Report Lending Uptick

August 02, 2010
Credit union loans outstanding grew 0.3% during June, according to CUNA's economics and statistics department. READ MORE

Real Estate at a Crossroads?

September 01, 2010
CUs are continuing with strong underwriting standards while helping members as much as possible to stay in their homes. READ MORE

Rates & Ratios: CU Loans Stagnate

September 03, 2010
Fixed-rate mortgages led loan growth, increasing 0.8%, according to CUNA's economics and statistics department. READ MORE

Used-Auto Loans Fuel Growth

October 05, 2010
Used-auto loans grew 1%, followed by unsecured personal loans and credit card loans. READ MORE

Managing Your Crop of Loans

November 01, 2010

Position your credit union to withstand increased dividend costs when rates rise.

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OK to Walk Away?

October 25, 2010
As the housing market continues to flounder in many parts of the country, 21% of homeowners say they owe more on their mortgages than their homes are worth, survey says. READ MORE

CU Loans Experience Slight Decline

November 08, 2010
CU loans outstanding decreased 0.1% during September 2010. READ MORE

CU Loans See October Decline

December 08, 2010
CU loans outstanding decreased 0.2% during October 2010 compared to a decrease of 0.1% during September, according to CUNA's economics and statistics department. READ MORE
CU Mag Cover May 2012

Credit Union Magazine

Access the May digital edition

May 2012

Book reviews

What's Popular

Popular Stories

‘Do One Thing Every Day That Scares You’

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A Bit of Unpleasantness

Recent Discussion

Lora has some excellent tips for us on articles we should read. Thanks Lora!

Definitely, we agree. It’s not only important to adapt to the market, but also to ensure that the organization as a whole has buy-in of this growth strategy. Without full commitment, you could be doing a disservice to your credit union and your Hispanic community.

Good points all, Joni, and thanks for putting it in plain English. DigitalMailer has been consulting a number of clients and affiliates on social media, and the question always arises: "Well, what if someone says something bad about us?" The answer is, they might be already. Not seeing it doesn't mean it can't hurt you. Make sure that, if you're not offering an engaging social media presence, you're at least able to monitor the possible threats.

Chris Brogan is simply awesome and this interview is spot on. Hearing Brogan speak at America's Credit Union Conference is worth the price of admission. Every credit union can learn from his wisdom. Social media is about building a community and credit unions can do that successfully with their members. But they can't do it with everyone: they should also target their social media efforts to particular niches.

Bill, your comments are on the mark. In order to demonstrate that the CU truly understands the risk inherent in lending, the ability to clearly articulate a meaningful discussion of the lending rationale behind lending decisions is critical. All too often, CUs leave it up to the sales force to determine a "marketing" direction for lending activity and the sellers are only too willing to fill the void create by a lack of a clear defined lending culture and credit environment. In large organizations marketing and lending should work hand in hand in defining what sales and lending goals are. The marketing culture needs to be informed of the dynamics of the lending environment and the credit culture must understand the marketing opportunities and threats. In smaller CUs the senior lender in conjunction with the board must, as you indicate, clearly document the what and why of the credit culture.

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