Expert Opinion

Several new trends are on the horizon this year, but it's equally important to incorporate the fundamentals.

CUs that rank above average for diversity enjoy higher margins, greater returns from innovation, improved service and market awareness.

Leverage advanced data and technology to continue offering a shopping experience consumers have come to expect.

CU-vendor partnerships should benefit both parties, and CUs must select vendors that prioritize client support.

Leasing helps deliver what automotive consumers want - low payments, low commitment and a variety of options.

Q3 2019 data shows indirect loans still dominate the CU industry's auto portfolio, though momentum appears to have stalled in recent quarters.