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The article discusses how strong loan growth at credit unions (CUs) requires to be handled with caution. According to the U.S. National Credit Union Administration (NCUA), loans issued by federally insured credit unions climbed in volume across the board in all categories in the fourth quarter of 2015. Higher loan volumes can result in even higher compliance costs for some CUs and there could arise the need to hire additional employees.

The article reports on the expansion of Texas Dow Employees Credit Union (TDECU) on its loan staff as preparation for its goal in 2010 to achieve 2 million dollars a month in Lake Jackson, Texas. It states that the credit union has attempted to maintain steady growth, which generally yields an excess of 25 to 50 basis points on loans through its merchant lending program. It also notes that the TDECU's loan terms for merchant lending are the same to its consumer loan portfolio.

Focuses on the assistance of CUNA Mutual Group to credit unions who want to grow their loan portfolios in the U.S. Partnership with state leagues in the ownership of a call center; Offer of outsourcing for a variety of lending-related activity; Profits from financing.

The article provides information regarding the top five challenges to be addressed by the credit unions in their strategic planning for growth. The top challenges facing the credit unions include, upgrading technology and delivery channels, Views of senior consultant at Wisconsin Credit Union League Bill Rockeman and financial expert Mark Klinkert are referred in this context. Other challenges discussed include recruiting youth, managing loan portfolio and Chief Executive Officer succession.

The article reports on the competition in the U.S. small business lending market, where credit unions have remained a strong player but bank lending is also starting to gather steam. Data from the National Credit Union Administration (NCUA) indicate an increase in net member business loan balance for the third quarter of 2014. It also notes the double-digit growth posted by credit union member business loan portfolios.

The article offers the author's discussion on how to analyze the profitability of a loan portfolio. He mentions the key factors of a cash flow analysis which involve measurement of the internal rate of return, incorporation of cash amounts linked with the loan, management of data gathering cost and complete source data. He notes that most credit unions discover the benefits of such analysis which is also recommended by the U.S. National Credit Union Administration (NCUA).

The article focuses on the importance of a diversified loan portfolio among credit unions (CUs), according to San Francisco Fire Credit Union.

The article presents the insights of Belvoir Federal Credit Union (FCU) president Patricia Kimmel on the lessons the credit union learned during the recessions including not depending much on real estate lending, balancing loan portfolio with risk management, and retaining quality employees.

The article offers the insights of Horizons North Credit Union (CU) chief executive officer (CEO) Brad Harvey on the significance of not loosening credit standards for a short-term to fix a declining loan portfolio.

The article discusses several strategies identified by Patelco Credit Union to deal with economic hardships including the strive the perform at multiple levels, evaluation of third-party vendor contracts, and diversifying loan portfolio and risk management techniques.

The article reports on the findings from the Experian's State of the Automotive Finance Market regarding the increase delinquency in automotive loans in Costa Mesa, California. It says that Melinda Zabritski, director of automotive credit informs Credit Union (CU) Journal to pay attention in pricing and to analyze risk exposure as well policies in order to avoid the occurrences of such delinquencies. Moreover, Experian data shows 20.08% increase for lending portfolio in 2011 compared with 2010.

The article reports on the statements of Centries Federal Credit Union's (FCU's) chief executive officer (CEO) Kevin Parks regarding commercial lending business. According to him, they use the tank of gas analogy to lend properties that are within the market which they could easily inspect. He emphasizes the value of strong and clear guidelines in business lending program. Moreover, Centries FCU received the Small Business Lender of the year award from the U.S. Small Business Administration.

The article discusses the significant move of evergreenDirect Credit Union to lower rates as simple effective strategy to boost corporate loan portfolio in 2011 in Olympia, Washington.

The article reports on the detailed market information and risk management tools offered by Credit Union Direct Lending (CUDL) to help credit unions' plan to expand car lending portfolios.

The article offers various insights from the experts on commercial lending programs that might be established by credit unions (CUs). According to National Credit Union Administration (NCUA) member Gigi Hyland, CUs must make it a point that they understand the risks connected with commercial lending portfolio that is different from consumer lending. It mentions that former commercial lending specialist Linda Vick explains that competitive pricing is not suitable for commercial lending market.

The article presents the insights of Credit Union (CU) Administration and Lending executive vice president (EVP) Bob Donley on the negative impact of the CU overdraft program. Donley stresses that the program, which has been offered since 1980, entails the connectivity of the savings account and the 300 million dollars CU overdraft program. It also notes that he criticizes the program due to its entitlement among members to pay only for fees such as the daily simple interest.

The article offers tips from Tim Kelly, chief executive officer (CEO) at Teres Solutions Inc. in Austin, Texas, for credit unions (CUs) in growing their lending portfolios. He suggests adding merchant lending to the loan mix of CUs. Kelly also cites the need of CUs to evaluate their loan process to ensure efficiency.

The article reports on the effect of Chrysler LLC and General Motors Corp. (GMC) dealership closings to the credit unions in Lansing, Michigan. It states that credit union auto loan portfolios may benefit in the closure of automobile dealership of Chrysler and GMC. According to Dave Adams, president and chief executive officer (CEO) of the Michigan league, the shutting down of the said automobile companies can be beneficial for credit unions. INSET: Views On Dealership Closings & CUs.

In this article the author discusses the basic concept of Collateral Protection Insurance (CPI) in the U.S. The author states that CPI is the most equitable source of protection for a vehicle loan portfolio since only uninsured borrowers pay the premiums. Moreover, CPI program monitors proof of insurance to ensure every borrower carries the proper physical damage insurance for the life of the loan.

The article reports on the 15% increase of Ishpeming Community FCU's loan portfolio due to its new and used car loans in Michigan. The author states that the new car loans have gained the highest year over year rate growth of 38% between December 2007 and December 2008. Moreover, the lower rate has increased loan volume and made dealership employees more comfortable doing business with the firm.

The article focuses on the Rapid Refinance program of the University of Wisconsin Credit Union (UWCU). It notes that the program serves as a response to a huge spike in home loan activity at the $1 billion institution, which bypasses closing costs and appraisals. UWCU processes the loans by freeing up first mortgage loan officers, processors and writers to increase turnaround speed. Mike Long said that the loans will stay on their balance sheet and will help them improve their loan portfolio.

The article reports on the five stages of the credit union (CU) industry. Five stages, according to the author, includes the post-HR 1151, the retail marketing era, the Internet age, the banks as predators stage, and the economic turndown stage. Moreover, the author adds that CU industry is currently entering the sixth stage, which is a stage where loan portfolios must be salvaged.

The article discusses several reasons on the high growth of some credit unions (CUs), usually referred as "stars," according to the Filene Research Institute. It says that star CUs are highly effective lenders, and their members have more accounts and higher saving and loan balances. Star CUs have higher savings, and invest on high-payoff products. They also have effective marketing strategy to expand their loan portfolios including low loan rates, good service and cross-selling.

The article offers news briefs in the U.S. Air Academy Federal Credit Union is billing its new payday loan product as a smart solution to the short-term cash problems of its members. Caltech Employees Federal Credit Union (CEFCU) has rolled out its own payday loan product, a 31-day loan at 18%. CommonWealth Credit Union states that it has contacted with Lending Solutions Inc. to implement the company's call center and Internet lending services.

The article focuses on the use of signature loans as a key offering of some credit unions in the U.S. According to Lloyd Gill, chief lending officer and vice chairman of the Credit Union National Association Lending Council, they have a large number of members who are credit-impaired, and about 34% of their members have a credit score under 600. Gill noted that the old-style signature loan works well for them, and it has been a better way than a credit card for them to manager their money.

The article offers tips to make up for shrinking margins for the credit union industry. The author relates that one way a credit union could hurt its net margin is if it tries to attract new members or new deposits with higher paying money market. Increasing return on asset will require small, diligent steps. Another way to enhance the yield on the loan portfolio is to search for loan participation with other credit unions that are active in underwriting and funding member business loan.

The article reports on the development of cash machine by Marty Baker to make it easier to tap his parishioners at the Stevens Creek Community Church. With seven more credit unions joining, the Credit Union Better Choice program started to offer discounted payday loans. FinancialEdge community credit union has launched financial education program, aiming teens and has awarded four students for their contribution.

The article reviews the CUNA Mutual reports on the slow growth of gross domestic product (GDP), forecast and economics, which is a mixed bag for the credit unions. The findings suggested half-yearly bench mark data divisions had a negative impact on the assets and membership. While the capital-asset-ratio and loan-to-share ratioremained high, the loan delinquencies went low.

Focuses on the use of Total Account Processing System computer software by FORUM Credit Union dedicated to reduce bad car loans. Capabilities of the software; Benefits of the computer software for the business operations of the credit union; Key features of the system. INSET: Turning Loans Into Members.

Presents information on the advantages of an indirect lending program of credit unions through automobile dealers, highlighted at the 2001 Annual Meeting of the National Association of Community Credit Unions. Diversity of the loan portfolio; Hazards to teaming up with automobile dealerships; Need for credit unions to seek legal counsel.