Analysis

Second-quarter report shows credit unions make a small gain in share with a large portion of refinances.

The workhorse of the credit union system appears to be its ATM network.

The second quarter shows a big gain in first mortgage originations and a solid gain for consumer lending.

With branches flat and ATMs plateauing, credit unions face tough questions about access, growth and member connection in a digital-first world.

The big questions are: Where are the borrowers? And, who are getting the loans?

Live discussion about strong Midwest growth, shrinking Southern markets, and concerns over lending to lower-income borrowers.