Category: The Lending Desk

Why credit unions pulled back from indirect lending — and why the next growth play isn’t filling the same hole. For decades, indirect auto lending was the reliable volume play. Credit unions built origination channels through auto dealers, funded member vehicles at scale, and used the product to deepen checking account relationships. The model was...

Why average loan growth is a ceiling disguised as a target — and what separates the credit unions breaking through it from the ones settling for it. For years, loan growth was the number that told a credit union whether it was winning. Hit your target, fund the balance sheet, report a healthy quarter, repeat....