Category: Credit Unions | BauerFinancial

New Star Ratings

New Credit Union Data and Star-Ratings

All credit union star-ratings and financial data have now been updated with March 31, 2025 data. Overall, first quarter credit union data was positive: assets, including most loans, were up and credit quality is generally still quite good. However, uninsured…

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Credit Union Fees: Can’t Blame Overdrafts This Time

Credit Unions may be member owned, but that doesn’t mean members are exempt from fees. A research note from the NCUA (January 16, 2025), disclosed two major findings. 1) In spite of many credit unions reducing or eliminating certain fees,…

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balancing the risks vs rewards of uninsured deposits

Subpar Credit Unions with Uninsured Deposits

During the 12-month period ending June 30, 2024, uninsured shares and deposits at our nation’s credit unions increased to nearly $170 billion. Roughly $1.5 billion of those uninsured deposits are at credit unions that are deemed less-than-Well-Capitalized by regulatory standards.…

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New Star Ratings

New C.U. Star-Ratings and Data Now Available

Federally-Insured U.S. Credit Unions hold roughly $167 billion dollars in uninsured shares or deposits. About 3/4s of the industry has some amount of uninsured deposits on their books. In addition to looking at key metrics from 1st quarter 2024 credit…

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Credit Union Membership Approaches 140 Million

Credit Union Membership Nears 140 million

Navy Federal Credit Union claims close to 10% of all members of federally-insured credit unions in the nation. It has roughly the same number of members as the 3,375 credit unions with less than $200 million in assets, combined (73%…

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New Star Ratings

New CU Star-Ratings + Is There a Soft Landing in Sight?

All credit union and bank star-ratings and reports are now updated based on third quarter 2023 financial data. After the failures this spring of Silicon Valley Bank, Signature Bank and First Republic Bank, a number of big bank deposits made their…

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NCUA Umbrella covers most shares but not all

Subpar Credit Unions with Uninsured Deposits

The total of uninsured shares/deposits reported by U.S. credit unions was cut by $7 billion during the 12 months ending June 30, 2023. However, at $158 billion, uninsured credit union deposits remain quite high. What’s more, $630 million of that…

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Deposits moving from one institution to another

Credit Union Share (Deposit) Growth

After the three fairly large and very public bank failures earlier this year, we heard much anecdotal evidence that deposits fled from banks to credit unions. Credit Union deposits did, indeed grow by 2.13% in the first quarter. Bauer’s LLAMAS…

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human hands touching

Because People Still Need/Want that Human Touch

The number of Federally-Insured credit unions was cut by nearly 15% in the 5 years ended March 31, 2023, yet membership climbed more than 20%. The big keep getting bigger while the small fight to survive. Fifty-one 5-star credit unions…

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Credit Union Payday Alternative Loans

Credit Union Data is all About the Loans

First quarter 2023 credit union data is all about loans. After jumping 17.6% from a year ago, total loans outstanding at federally insured credit unions now top $1.5 trillion. At $17,310, the average loan balance was up almost 6% from…

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