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Mortgages and Credit Union Performance: 1980–2011

Mortgages have become a significant part of credit unions’ lending portfolio. More mortgages are a net benefit to credit unions: They tend to raise ROA slightly and increase asset growth while also nudging up noninterest expense and earnings volatility.

Executive Summary

Credit unions change with the times. From worker and personal loans to auto loans, mortgages, and credit cards, for the past 100 years they have had to follow the sometimes fickle borrowing demands of American consumers. Today, credit unions hold a quarter of their assets in residential mortgages.

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