Mar 1620:00 ET
Creator Economy Gives Credit Unions a Second Chance
The creator economy has 207 million creators globally and 45 million U.S. professionals earning irregular income — the exact population credit unions were built to serve.
Investigations · reporting · analysis
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Long-form articles and analysis on cooperative finance. Structural reporting on the patterns the data reveals.
Mar 1620:00 ET
Agentic AI Is the Biggest Shift Since Mobile Banking
Gartner predicts 40% of enterprise apps will feature agentic AI by end of 2026 — up from 5%. But more than 40% of projects will fail. Here is what credit unions need to know.
By Joshua HermanTechnology4 min
Mar 1620:00 ET
Vibe Coding: What Credit Unions Need to Know
Vibe coding lets non-developers build software using AI — and it is already happening inside credit unions. Here is a tiered policy framework for managing the risk.
By Joshua HermanTechnology4 min
Mar 1620:00 ET
Y Combinator Fintech Is Coming for Credit Unions
Y Combinator fintech companies are already inside credit unions — from AI voice agents to digital banking to compliance automation. Here is the startup pipeline CU leaders need to watch.
By Joshua HermanTechnology4 min
Mar 1520:00 ET
Credit Union HELOC Lending Surges as Banks Lose Share
Credit union HELOC lending grows as homeowners hold $17.6T in equity. Banks lost 17 points of market share and CUs are positioned to gain.
By Joshua HermanLending4 min
Mar 1520:00 ET
Credit Union Branch Transformation Gains Momentum
Credit union branch transformation accelerates as 58% of executives plan to repurpose locations into advisory hubs for deeper member relationships.
By Joshua HermanGrowth4 min
Mar 1420:00 ET
Credit Unions Are Losing Gen Z to TikTok Finfluencers
Gen Z members rate their checking accounts a lukewarm 7.59 out of 10, and 31% of members under 40 say they will leave over a single fee. Credit unions that fail to adapt risk ceding an entire generation to fintechs and neobanks.
By Joshua HermanGrowth5 min
Mar 1020:00 ET
Credit Union Auto Lending Hits 3-Year Low
Credit union auto lending closed 2025 at its weakest point in nearly three years, even as the broader system posted record earnings.
By Joshua HermanAnalysis4 min
Mar 920:00 ET
NCUA Deregulation: Relief Without Strategy Is Wasted
NCUA deregulation gives credit unions breathing room, but without a strategic plan, regulatory relief alone will not drive growth.
By Joshua HermanAnalysis4 min
Mar 519:00 ET
Mixed Economic Signals for Credit Unions in Early 2026
The latest data paints a complex picture for the credit union industry. Deposit recovery and lending growth are encouraging, but ongoing competitive pressures and economic uncertainty demand careful navigation.
By Joshua HermanAnalysis5 min
Feb 1119:00 ET
Romance Scams Rise: Credit Unions' Role in Prevention
As Valentine's Day drives more people to dating apps and social media, fraudsters take advantage of heightened emotions and increased online activity.
By Joshua HermanAnalysis4 min
Jan 1919:00 ET
Report: $2.4T Real Estate Wealth Transfer Ahead
Coldwell Banker projects a $2.4 trillion transfer of U.S. residential real estate wealth with lending implications.
By Joshua HermanAnalysis3 min
Jan 1519:00 ET
The Most Underrated CU Risk Is Not Financial
Ask most credit union leaders what keeps them up at night and the answers are familiar. Rates, liquidity, credit, and competition all show up quickly.
By Joshua HermanAnalysis4 min
Jan 1219:00 ET
The Credit Union System Is Quietly Repricing Itself
For much of the last decade, credit unions operated in an environment where pricing decisions were relatively forgiving.
By Joshua HermanAnalysis3 min
Jan 519:00 ET
New Year Priorities for Credit Unions: A system-level view of what matters most this year
Every new year brings a familiar rhythm across the credit union industry. Strategic plans get refreshed. Dashboards get updated. Priorities get restated.
By Joshua HermanAnalysis4 min
Jan 519:00 ET
Rising Delinquency Is Back in the Conversation
Credit unions are not in a crisis delinquency cycle, but they are no longer in the unusually clean credit environment that followed the pandemic.
By Joshua HermanAnalysis4 min
Dec 2219:00 ET
NCUA Data Shows Unrealized AFS Losses Persist
NCUA quarterly Call Report data since March 31, 2020, shows how unrealized gains on available-for-sale (AFS) debt securities reversed as interest rates rose.
By Joshua HermanAnalysis4 min
Dec 2219:00 ET
JPMorgan's Institutional Crypto Consideration Signals Structural Shifts
JPMorgan Chase is exploring the possibility of offering cryptocurrency trading services to its institutional clients, according to reporting from Bloomberg.
By Joshua HermanAnalysis4 min
Dec 1819:00 ET
Why BSA Matters at Every Credit Union, Especially the Small Ones
Bank Secrecy Act compliance is often discussed as a problem of scale. Large institutions are assumed to be riskier because of complexity.
By Joshua HermanAnalysis4 min
Dec 1819:00 ET
Households Now Hold More Net Worth in Stocks Than Real Estate
For decades, real estate sat at the center of household wealth in the United States. Homes were the primary store of value, the largest balance sheet item, and the anchor around which most financial relationships were built.
By Joshua HermanAnalysis5 min
Nov 1319:00 ET
The Hidden Transformation Inside Modern Credit Unions
The initial concept of a credit union was fairly simple: deposits and loans.
By Joshua HermanAnalysis3 min
Nov 1119:00 ET
Stretching the Term: What a 50-Year Mortgage Could Mean for Credit Unions
The idea of a 50-year mortgage has re-entered national discussion, with policymakers exploring whether ultra-long-term loans could ease America's housing affordability crisis.
By Joshua HermanAnalysis4 min
Nov 519:00 ET
Scale, AI, and the Next Credit Union Decade
Ten years ago, a credit union's competitive edge often came down to geography — a branch network, a community charter, a reputation built one member at a time.
By Joshua HermanAnalysis4 min
Nov 419:00 ET
The Consolidation Curve: Credit Unions Are Getting Fewer—and Bigger
According to the National Credit Union Administration's Quarterly Data Summary, there were 4,604 federally insured credit unions at year-end 2023 and 4,455 at year-end 2024.
By Joshua HermanAnalysis4 min
Nov 120:00 ET
SavvyMoney Raises $225M to Accelerate Innovation for Financial Institutions
SavvyMoney, an industry leader of financial wellness and growth solutions, today announced a $225 million minority investment co-led by PSG and Canapi Ventures.
By Joshua HermanAnalysis4 min
Oct 2520:00 ET
West Community Credit Union Welcomes Brock Martin as Director of Fraud and Financial Crimes
West Community Credit Union is proud to introduce Brock Martin as its new Director of Fraud and Financial Crimes.
By Joshua HermanAnalysis3 min
Oct 2320:00 ET
Jeanne D'Arc Credit Union Announces Partnership with New England Defender Keion White to Tackle Financial Wellness
Jeanne D'Arc Credit Union is proud to announce a partnership with New England Defensive End Keion White for a powerful initiative: Tackling Financial Wellness.
By Joshua HermanAnalysis4 min
Oct 2320:00 ET
PenAir Credit Union to purchase Service 1 Federal Credit Union branch in Mobile, AL
Pensacola, Florida (October 23, 2025) - PenAir Credit Union (PenAir) has agreed to purchase certain assets related to Service 1 Federal Credit Union's branch in Mobile, Alabama.
By Joshua HermanAnalysis4 min
Oct 1120:00 ET
Southern Energy Credit Union Welcomes Andy Rush as New President and CEO
Southern Energy Credit Union is pleased to announce that Andy Rush has officially assumed the role of President and Chief Executive Officer as of October 1, 2025.
By Joshua HermanAnalysis4 min
Oct 1120:00 ET
Nook Achieves Platinum Tier as a HubSpot Solutions Partner
Nook, a Credit Union Service Organization (CUSO) specializing in marketing automation and data integration for credit unions, has achieved Platinum Tier status in HubSpot's Solutions Partner Program.
By Joshua HermanAnalysis4 min