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ARTICLES

The Return of the Borrower

Less household debt and the improving labor market bode well for CU lending.
May 17, 2013
Steve Rick
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Expect CU loan balances grow 5% to 6% in 2013.
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Confusion Reigns Over Student Loan Costs

CU survey suggests future college graduates will face massive unintended debt.
May 13, 2013
No Comments
Half of high school seniors don’t understand the cost and terms of student loans.
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Report: Older Americans Running Up Credit Card Debt

Job loss, medical bills lead to a growing debt burden.
May 1, 2013
No Comments
One-fourth of older households have taken on credit card debt to help other family members.
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Inspiration

A Source of Inspiration

What challenges inspire and motivate you to succeed at your CU?
April 22, 2013
Lora Bray
No Comments
‘Education brings about opportunity, and in turn inspiration.’
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One of Five Households Has Student Loan Debt

Burden is greatest on the young and poor, report reveals.
April 8, 2013
No Comments
Average outstanding student loan balance approaching $30,000.
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Let's Shake On It

Nonverbal behavior can have much more impact than verbal messages.
March 17, 2013
Lora Bray
No Comments
What message can CU staff send with a simple handshake?
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Public National Debt Exceeds Bank Deposits

National public debt now totals $11.6 trillion, compared to the $10.6 trillion in U.S. bank deposits.
February 3, 2013
No Comments
Public debt has grown 23% since 2010 vs. 13% for deposits.
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Counseling Helps Keep Foreclosures at Bay

Homeowners who receive financial counseling are far less likely to default.
January 21, 2013
Beth Luke
No Comments
Mortgage defaults are expected to remain elevated until 2016.
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CUNA Lending Council Conference

Lending and the Economy: Right Direction, Wrong Speed

CUNA economist predicts tepid loan growth for foreseeable future.
November 8, 2012
Bill Merrick
No Comments
Pent-up demand, recovering housing market bode well for auto loans and mortgages.
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Librarian in a Hard Hat

Hat’s off to those who proactively address research challenges.
August 1, 2012
Lora Bray
No Comments
This week’s Research Roundup examines student loans, a possible mortgage crisis for older Americans, and more.
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May Cover

Credit Union Magazine

• May digital edition

May 2013

heroes

What's Popular

Popular Stories

Scenes from the 19th Annual CUNA CFO Council Conference

Gladwell: CUs are David to Banks’ Goliath

Survey Says: Americans Lack Credit Score Knowledge

Warren Morrow Named 2013 CU Hero of the Year

Finovate Unveils Best of Show Winners

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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