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Evaluating Investments

This post is a continuation of Investing At “Record” Low Rates… published February 10, 2012. Investments with complex optionality are increasingly being added to credit union investment portfolios.  As such, it is critical that credit unions have a solid understanding of what they may be purchasing, before the transaction is executed. First, make sure your […]

Auto Lending: The Concerning Slow Decline

Traditionally, auto loans have been the “bread and butter” of credit union loan portfolios.  However, 1st mortgages have claimed that honor with short- and long-term trends showing continued declines in auto loans as a percent of total loans for the credit union industry’s balance sheet.  Auto loans have been consistently decreasing from roughly 40% of […]

Are New Members Different?

These are challenging times for financial institutions but it’s tough for individuals too.  Setting aside employment woes, managing personal finances has become especially difficult with the stock market in flux and dismal returns on deposits.  As financial institutions shift strategies to adapt to the environment, customers are reacting by looking for a better deal.  A […]

Person-to-Person Payments and the Rise of PayPal

It’s no secret that advanced cell phone technologies have begun penetrating our everyday lives.  Consider that in the third quarter of 2010 alone, 81.1 million Android handsets were sold and 13.5 million iPhones were sold according to International Data Corporation (IDC).  Moreover, according to FierceMarkets, U.S. cell phone penetration reached 101% at the end of […]

Are Your Second Mortgages Secured?

As we discussed in our April post, Bankruptcies on the Rise and the Evolving U.S. Debt Burden, bankruptcies have been rising at an alarming rate this year. The trend is likely to continue—it will be interesting to note how the situation evolves (since 1st quarter) when the U.S. Judiciary releases second quarter figures in the […]

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