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By Devon Kinkead Why this matters now From 2005–2025, deposit dynamics whipsawed: teaser-rate promotions pre-crisis, flight-to-quality in 2008–2009, a long low-rate lull, then 2022–2024’s rate shock and hot-money...

By Devon Kinkead As we look ahead to 2026, credit unions face a dynamic lending landscape shaped by economic pressures, shifting consumer behaviors, and regulatory demands. At Micronotes, we’ve long championed...

By Devon Kinkead If your 2026 plan still waits for balances to drop before you act, you’re showing up after the goodbye. The winners will spot “why” and “when” long before the money moves—then intervene with the right...

By Devon Kinkead The credit union industry enters 2026 facing a paradox. Second-quarter 2025 data from Callahan & Associates reveals operational resilience—net interest margins climbing to 3.32% and return on...

By Devon Kinkead Chime just grabbed the largest share of new checking accounts in the U.S.—about 13% of all openings, outpacing every big bank, with Chase at 9% and SoFi at 5%. That’s not a blip; it’s a signal that...

By Devon Kinkead The latest first quarter 2025 credit union performance data from Callahan & Associates reveals a fascinating paradox: members are saving more than ever, yet lending growth is slowing dramatically....

The American credit landscape is experiencing a remarkable transformation. As Steve Cocheo of the Financial Brand points, out, while the middle shrinks, both ends of the credit spectrum are expanding rapidly—creating...