2025 Outlook for US Credit Unions: Strategies for Profitability and Pricing

As credit unions head into 2025, the Federal Reserve's pivot to lower interest rates should provide relief to credit unions' deposit business and allow institutions to reduce deposit costs. As the decline will be slower than what credit unions experienced when interest rates began to rise, institutions will need to take a disciplined approach to asset pricing to maintain and enhance profitability in 2025, enabling them to achieve the best outcomes for their members. While considerable deterioration in credit quality is not expected, credit unions likely will see delinquencies and charge-offs rise from their historic lows over the last several years.

During this webinar, we will discuss:

• Deposit and member growth trends for US Credit Unions
• Outlook for loan growth and credit quality across different loan categories
• Profitability expansion opportunities over the next 6-12 months
• Asset pricing strategies and hedging
• Growth in consumer loan securitizations and how this affects pricing discipline in the market