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The $1.6 Trillion Question The Lending Desk
How credit unions handle maturing CDs will determine whether they fund growth or just manage decline. There's a wave coming, and credit unions know about it but aren't talking about it in the right way. Roughly $1.6 trillion in certificates of Continue Reading Mortgage Is Back — Is Your Balance Sheet Ready? The Lending Desk
First mortgage originations are at their highest point in years. The credit unions ready for it are about to pull away from the ones that aren't. For most of the past three years, mortgage lending felt like a legacy business. Continue Reading The Indirect Auto Retreat: What Comes After 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 Continue Reading Why Your Loan-to-Share Ratio Is a Choice, Not a Symptom The Lending Desk
Stop treating your L/S ratio like the economy did it. It's the aggregate result of your lending decisions. The industry loan-to-share ratio dropped to 81.5% this quarter, and most credit union leadership teams have the same response: "The economy is Continue Reading Why 5.5% Isn't Good Enough The Lending Desk 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 Continue Reading

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