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Periodically, outside observers reach the conclusion that the credit union industry is overcapitalized. Dr. William Jackson’s Filene Research Institute paper (Credit Union Journal, Dec. 10, 2007) is the latest example. I believe the conclusion is based on an incorrect comparison of the role of capital for credit unions versus for banks.

LOMBARD, Ill.–One analyst sees a basic growth issue for credit unions in 2008–checking accounts.

MADISON, Wis. - A study from the Filene Research Institute has concluded credit unions are significantly overcapitalized (CU Journal, Dec. 7). That has led to some feedback from credit unions disagreeing with some of the report’s conclusions (see related item, page 8).

BIRMINGHAM, Ala. - It will be all about the income in 2008, according to one expert.

ALEXANDRIA, Va. - Effective Jan. 1, the CAMEL Matrix credit unions have come to know during NCUA examinations will be replaced by a new matrix focused much more on risk.

NEW ORLEANS - Despite massive assistance by government and private sector organizations, Hurricane Katrina and its aftermath devastated credit unions in and around New Orleans, especially low-income CUs, according to a study released by the Filene Research Institute.

MADISON, Wis. - A new study seeks to get to the bottom of just how much capital is enough-and too much-for credit unions.

MADISON, Wis. - Thanks to a combination of accelerated loan growth and flat savings growth, the CU community's overall loan-to-share ratio has hit its highest mark since 1979, according to CUNA. Data show the ratio rose to 84.3% in October from 83.4% in September.

ARLINGTON, Va. - While consumers are in the grip of the holiday shopping frenzy, economists are trying to determine if the country might be in for a lump of coal in the not-too-distant future.

MADISON, Wis. - With credit union mergers occurring at the rate of approximately one per day in the United States and no sign of that pace slowing, a new research paper has been released to guide boards of directors in the process.

WEST PALM BEACH, Fla. — Although 40% of credit unions polled by CU Journal reported adjusting what they're paying for deposits, analysts are suggesting many continue to struggle with their pricing and the resulting strain on margins.

MOBILE, Ala. - Bob Dobilas took the reins as CEO of New Horizons Credit Union on April 1, 2002. Yet the news he received that day was no joke.

SAN DIEGO -

ALEXANDRIA, Va. -

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ST. GEORGE , Utah -

McLEAN, Va. – In another sign of the growing mortgage crisis, secondary mortgage market giant Freddie Mac reported yesterday that it has written down the value of its mortgage portfolio by a whopping $8.1 billion and took a $2 billion loss for the third quarter.

MIDLAND, Texas -

KEY BISCAYNE, Fla. - CUNA Mutual's trading desk has been a real success in terms of funds invested, seeing almost $100 million a month deposited into its various portfolios-but it has yet to catch on where it counts: with credit unions.

SAN DIEGO - It won't be just the hills surrounding the Hyatt Hotel that will be smoldering when credit unions from California and Nevada meet here this week.