Articles by Bill Hampel

Trendlines

Earnings Back to ‘Normal’ Range

ROA should reach 90 bp this year, but small CUs continue to struggle.
March 7, 2013
Average net income for credit unions in 2012 will be about 90 basis points of average assets.
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Trendlines

Falling Off the Fiscal Cliff

If Congress doesn’t act, current provisions would take $600 billion out of the economy.
November 11, 2012
The aftermath of last year’s debt ceiling impasse in Congress will be $100 billion in automatic spending cuts.
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A Pause or a Reversal?

The economy takes two steps forward and one step back.
July 1, 2012
There is concern that the economy will stall in mid-2012 as it did the previous two years, at least in terms of job growth.
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Bank Transfer Season Rolls On

By any measure, Bank Transfer Day has had a notable effect on membership growth.
April 1, 2012
As large banks announced dramatic fee increases on debit card accounts, a social media-inspired call to consumers to transfer accounts from large banks to CUs drew significant attention.
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The Tail of Bank Transfer Day

This could be the beginning of Bank Transfer Season.
January 2, 2012
The effects of Bank Transfer Day are likely to be long-lived for credit unions in a very positive way, if we can take advantage of it.
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Loosening the Purse Strings

CUNA’s economists forecast loan growth of 2% this year and 5% next year.
August 22, 2011
The recent pause in economic growth has caused many to wonder whether the economy might be headed for a double-dip recession.
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Net Income Will Gain Momentum

Net income should be 60 bp of average assets this year and 70 bp next year.
June 2, 2011
You might be surprised by CUNA’s economic forecasts for 2011 and 2012.
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On the Mend

Word of the economic recovery is spreading.
January 31, 2011
Growing signs point to a strengthening recovery in 2011.
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Assessments Less Onerous for CUs Than Banks

CUs likely will pay about one-third less than banks over the next 11 years.
November 30, 2010
NCUA assessments are expected to total 90 bp of insured shares by 2021 vs. 144 bp for banks, a CUNA white paper reports.
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Today’s ‘Deborrowing’ Consumers

This might be the first year since 1980 that CU loans outstanding declined during the year.
November 1, 2010
The extent of consumers' deleveraging has surprised economists.
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May 2013

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