Blog

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...

By Devon Kinkead Consumers are not in a long-range planning mood right now. They’re coping—juggling bills, scanning rates, and searching for someone to help them decide today. Steve Cocheo of The Financial Brand...

By Devon Kinkead The banking industry stands at an inflection point. While global banking achieved record profits of around $1.2 trillion in 2024, with revenues hitting $5.5 trillion, market valuations still trail...

By Devon Kinkead Context. Cheyenne Stansberry (Kasasa) argues—rightly—that community institutions won’t win the deposit race by outbidding megabanks on APY. They’ll win by out-valuing them with modern products and...