Analysis

Callahan analysts say the challenge for credit unions will be deciding how to spend earnings to expand their impact.

Economists predict mortgage originations to fall, new car lending to improve and falling net interest margins to hit bottom.

Loan loss provisions start rising back to normal, as interest margins improve.

New research representing 25% of all CU assets finds comprehensive DEI practices correlate to better financial performance.

Mergers of equals, and mergers of peers of larger-asset credit unions, appear to be taking hold.

"Pink paper" also reveals lack of confidence plays a major role in keeping women from accessing CU leadership positions worldwide.