Articles by Mike Schenk

A Bigger Slice of the Mortgage Pie

Low rates, rising prices, and pent-up demand push more buyers into the housing market.
CU mortgages are growing at a healthy rate.
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Ready for Fed Action?

Regulators are raising red flags over CUs’ long-term asset exposure.
Aggregate CU risk profiles are low and seem manageable.
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Capital Plan Creates Grave Concerns

NCUA’s risk-based capital proposal would require CUs to hold billions more in capital.
‘The clock is ticking: The comment period on this proposal expires May 28.’
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A Tale of Two Movements

The state of the CU movement is vastly improved, but challenges remain, especially for small CUs.
As a group, small CUs face shrinking membership and loan growth.
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An Uneven Recovery

The state of the CU movement is vastly improved, but not all CUs are seeing the same results.
The state of the CU movement is vastly improved, but not all CUs are seeing the same results.
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Economy is ‘Recovering, Not Recovered’

Despite good news regarding CU membership, lending, and earnings, some CUs continue to struggle.
New-auto lending continues to be a bright spot for many CUs.
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Public Debt and GDP

Is the government’s focus on austerity coming at the wrong time?
The pace of U.S. economic growth continues to lag long-run norms.
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The Time Is Now for Capital Reform

CUs need it, regulators support it, and legislation has been introduced.
Credit unions want—and need—capital reform. The time is now
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Housing Is Staging a Comeback

CUs have doubled their share of mortgage originations in less than a decade.
Home sales are expected to rise 3% and home prices are expected to rise 2% to 3% in 2013.
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Employment Picture a Bit Fuzzy

Bureau of Labor Statistics sends mixed signals about labor market health.
There is good and bad news on the economy, says CUNA economist Mike Schenk.
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