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Housing Market SM

Lose the Recessionary Mindset, but Monitor Housing Market Closely

Don’t expect new mortgage products to carry the market in the future.
April 13, 2013
Bill Vogeney
No Comments
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.
January 23, 2013
No Comments
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.
January 6, 2013
Mike Schenk
No Comments
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.
December 10, 2012
David D'Annunzio
No Comments
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.
December 5, 2012
No Comments
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.
September 1, 2012
Steve Rick
No Comments
In the first half of 2012 credit unions reported improving financial results.
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ALM

A Balance Sheet Balancing Act

ALM tools help CUs determine which loans best fit their balance sheets.
April 11, 2012
Patrick Totty
No Comments
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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Shrinking margins

Living With Narrow Net Interest Margins

How to deal with life in a low-rate environment.
February 16, 2012
David D'Annunzio
No Comments
In the past, most CUs could generate sufficient net interest to cover operating expenses. For most of us, this is no longer true.
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Branching Out

Artificial Intelligence Is Better Than None

Not even Apple’s ‘Siri’ can put a positive spin on the outlook for 2012.
January 24, 2012
James Collins
No Comments
Economists predict housing sales will be flat, small-business optimism will remain low, and jobs will be scarcer than a rotary phone.
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ALM Helps CUs Tough It Out

Tools keep CUs from sacrificing future margins for higher yields today.
June 2, 2011
Patrick Totty
No Comments
ALM involves constant planning for possible future scenarios.
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May Cover

Credit Union Magazine

• May digital edition

May 2013

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Look into the Future of Finance

Finovate Highlights Industry's Best and Brightest

Jump-Start Your Loan Portfolio: Nine Steps

The Bottom Line About Branding

Are You Selling Products—Or Helping Members Achieve Their Goals?

Recent Discussion

In remembering Warren, the first thing I think of was his smile. He was a gentle, caring man who always thought of others first. I was honored to be a part of the MiOpportinidad project with Affinity Credit Union, Warren and Miriam. His hard work and dedication to that project was inspirational. Warren so deserves this award.

The author really understands the credit union philosophy and I really enjoyed the analogy of his bathroom remodel. The only thing missing was pictures of the finished bathroom! :)

Thank you Phillip for showing the differences between a Big Bank that is only looking to sell you products and a Credit Union that actually looks out for its members needs. Great article!

I love and give a standing ovation to Ron Kase and to other caring people just as much as those who passed away on 2012 like Warren Morrow at Des Moines Iowa. He worked hard for those who are under-served an under-represented, but wasn't mentioned in your magazine. It may be beneficial for the entire world to know about his accomplishments no for his benefit, obviously, but to increase the number of positive and caring people and to add members the CU. Just ask Coopera Consulting at Des Moines Iowa about Warren Morrow's legacy.

That’s right Lisa. The servicing rule would not require a credit union to create its own policies and procedures if all aspects of the servicing are delegated to a sub-servicer. However, remember that the credit union will have to conduct due diligence on the sub-servicer to make sure it is following the minimum requirements for policies and procedures. Unfortunately, even those credit unions that use a third party servicer will need to have a working knowledge of the CFPB’s servicing rule.

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