Some CEOS who manage credit unions with a high loan-to-share ratio don't think they achieved that metric because their local economies are stronger than anywhere in the nation.
Instead, loan growth tends to be fueled by maintaining a strong organizational and business model, being agile to make timely decisions to balance liquidity with loan demands, and leveraging management tools to keep the loan production engine humming even through a tough economy.
For 15 years in a row, the $2.4 billion University of Iowa Community Credit Union in North Liberty, Iowa, said it has posted an average annual loan growth of 19.5% and currently manages a loan-to-share ratio of 115.98%.
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