Items Tagged with 'rates'

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CUs Benefit All Consumers

American consumers benefit to the tune of $8.5 billion due to CUs' presence in the marketplace.
American consumers benefit to the tune of $8.5 billion due to CUs' presence in the marketplace.
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A New Year’s Hangover for Mortgage Originations?

CUs try to maneuver through the new mortgage landscape.
Four strategies for success in the post ability to repay/qualified mortgage world.
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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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Lose the Recessionary Mindset, but Monitor Housing Market Closely

Don’t expect new mortgage products to carry the market in the future.
High liquidity, low rates, and still-steep unemployment make the competitive landscape as challenging as ever.
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Which State Has the Highest Deposit Rates?

Southern state pays the most on deposits, while a Midwestern state is the least generous.
The national average for deposit rates is 0.35%.
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Trendlines

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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Council Corner

Should We Be Concerned About Liquidity?

Managing liquidity is a major key to managing CU profitability.
Your contingency plan should include prioritizing the assets you could sell to fund liquidity.
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Auto Loan Delinquencies On the Rise

The increase, however, is only seasonal and the rate remains very low, experts say.
Seasonal factors that affect the auto loan delinquency rate include back to school needs and holiday purchases.
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 CU Financials Show Improvement

Mortgage balances are growing and delinquency ratios are dropping.
In the first half of 2012 credit unions reported improving financial results.
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A Balance Sheet Balancing Act

ALM tools help CUs determine which loans best fit their balance sheets.
It doesn't take a mind reader to know one of the top questions facing CUs: “Will we be able to increase lending this year?”
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Your Say: Does Your CU Offer Subprime Loans?

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