Sarah Snell CookeAs loan growth continues to blossom in the New Year, hopefully it will not be nipped in the bud by overzealous regulators or lack of leadership. Agility is as important in business as it is in volleyball; the ability to adapt to a changing environment is critical. NCUA Chief Economist John Worth acknowledged that, although the industry overall is showing growth, that excellent news is tempered by the fact that smaller credit unions—the bulk of credit unions—are not growing.

Loans increased 9.6% year to date as of November 2014, according to CUNA, which is great news. University of Iowa Community Credit Union grew more than 19%, and so it stand to reason credit unions exist at the opposite end of the spectrum. While the national median loan-to-share is about 58%, a handful of credit unions are more than 100% loaned out, which means there are credit unions at the other end of the spectrum as well.

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