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Are your loans good for members?

first_img continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr The new managing director of the International Monetary Fund, Kristalina Georgieva, revealed striking statistics at the institution’s annual meeting in Washington, DC, in October. Two years ago, 75% of the world’s nations reported an uptick in their gross domestic product (GDP). In 2019, 90% face a major slowdown as measured by purchasing power parity.What might happen to a credit union’s loan portfolio if economic conditions in the United States shifted abruptly? Callahan & Associates is not in the business of predicting recessions; however, the firm can help credit unions determine whether the loans they have on the books or are planning to make are good for individual members as well as the overall membership.One way to do that is by looking at asset quality, how credit unions are hedging for the future, and where the U.S. economy is heading.Credit Union Lending TrendsFirst mortgages totaled $81.6 billion and represented more than 26.0% of all loans at credit unions in the second quarter of 2000. As of June 30, 2019, they totaled more than $440 billion and represented 41.1% of the loan portfolio. That’s an increase of over 15.0 percentage points.last_img read more