Year End Industry Data and Credit Union Trends: A Deep Dive with Todd Miller and Steve Farrar

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In this episode of With Flying Colors, host Mark Treichel is joined by Steve Farrar and Todd Miller to analyze the latest trends shaping the credit union industry in 2024. They dive into the recently released NCUA data, discussing multi-year trends, economic pressures, and how credit unions are navigating challenges such as rising delinquencies, declining net income, and shifting liquidity conditions.

Key Topics Covered:

✅ Multi-Year Credit Union Trends – How decisions made during COVID-19 continue to impact the industry today
✅ Rising Credit Risk & Loan Performance – What’s driving the surge in credit card and auto loan delinquencies?
✅ NCUA’s Supervisory Priorities – Where examiners are focusing their attention in 2024
✅ Liquidity & Interest Rate Risk – How credit unions are adjusting to changing market conditions
✅ Earnings & Profitability Pressures – Understanding the impact of fee income declines, provision for loan losses, and economic uncertainty
✅ Regulatory Challenges & Mergers – The latest data on credit union consolidations and how they compare to community banks

Recent Exam Trends:

🔹 Increased scrutiny on commercial lending programs and credit concentration limits
🔹 More emphasis on profitability analysis at the loan program level
🔹 Examiners pushing for stronger liquidity contingency funding plans
🔹 Greater focus on enterprise risk management in larger credit unions

🎧 Listen now to get the full breakdown of the latest trends and how they could impact your credit union’s operations.

Resources & Related Episodes:

📌 Want to learn more about specific regulatory issues? Check out our past episodes on:
 🔹 Commercial Lending Risks & Best Practices
 🔹 Managing Interest Rate & Liquidity Risk
 🔹 Navigating NCUA’s Supervisory Priorities

🔗 Subscribe to With Flying Colors for the latest insights into credit union regulations and strategy!