This year in business lending could be equated to something that college football fans like myself find easy to understand. This is the first year that neither Alabama nor Clemson made the college football playoffs. Did they have a bad year? No. Did they slow down a little from record setting prosperous times? Yes. Credit unions experienced boom times during 2021 and the first half of 2022, which will not be replicated for quite some time. Even with the recent softening of loan originations, the pace is still very strong historically and portfolios are growing at a solid pace. With the NCUA Call Report data released for September 2022, let's dig deep to see if credit unions are playing for the national championship, for a New Year's Day Bowl or are barely bowl eligible.