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Digital finance trends such as automation and artificial intelligence are helping lenders use technology to make better credit decisions more efficiently. While these tools and growing fintech partnerships can benefit credit unions and their members, they can also impact an institution’s liquidity profile. As credit unions leverage digital finance opportunities to enhance scalable loan origination, many institutions are finding themselves in need of new funding solutions to keep the loan engine running.

As we head into 2023, the team at ALM First expects interest in securitizations to pick up significantly within the industry. Credit unions that have traditionally turned to the participation market to access liquidity have been struggling to find buyers for their loan pools. For many, there is a greater need to explore both loan participation and securitization options.

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