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Credit union margins hit a 20-year high, but the window is closing fast. Here’s how strategic prescreen marketing can defend earnings before rate cuts compress your portfolio.

By Devon Kinkead A Prescreen Marketing Perspective on Credit Union Performance The latest Q3 2025 data from Callahan & Associates reveals a fascinating paradox facing credit union executives: members are...

By Devon Kinkead As credit union executives navigate the complexities of 2025’s financial landscape, resources like Callahan & Associates’ recent presentation on “Credit Union Performance...

By Devon Kinkead For busy credit union executives, it can be hard to keep up with every data point, trend line, or white-paper arguing for one initiative or another. But a recent Callahan report offers more than just...

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...