Beaudon Spaulding

Average balances increased for bankcard and mortgage but decreased for unsecured personal loans. TransUnion’s May 2025 Credit Industry Snapshot also saw serious consumer-level delinquency rates increase for auto and unsecured personal loans — while declining for bankcard and mortgage. These are some of the recent developments we’ve noted in the lending environment. Download the snapshot for more insights: https://gag.gl/tDPJeI #CIS #CreditIndustrySnapshot #FinancialServices

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🚨 Key Insights from TransUnion's July 2025 Credit Industry Snapshot Mortgage lenders, this data demands your attention: The Mixed Signals: ✅ Economic growth rebounded to 3.0% in Q2 2025 ✅ Consumer spending remains supported by wage growth outpacing inflation ❌ Serious delinquency rates increased across ALL credit products ❌ Job growth slowing (73K vs forecasts) with unemployment hitting 4.2% Mortgage-Specific Trends: 📈 30+DPD increased to 2.70% (31 bps) 📈 60+DPD rose to 1.29% (5 bps) 📈 Average mortgage balance grew to $232,892 What This Means for Lenders: ▶️ Tighten underwriting standards - delinquency trends suggest payment stress ahead ▶️ Monitor borrower debt-to-income ratios more closely as consumer balances rise across products ▶️ Prepare for rate sensitivity - Fed policy remains uncertain with PCE at 2.8% ▶️ Focus on quality originations - consumer sentiment recovering but remains 7% below year-ago levels The disconnect between economic growth and rising delinquencies signals borrowers are stretched thin despite employment gains. Smart lenders will adjust marketing strategy accordingly. How is your institution adapting to these evolving credit conditions? #MortgageLending #CreditRisk #RealEstate #Banking #LendingStrategy

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Being on mobile isn’t enough. Optimizing for mobile is what drives conversions. These best practices show how banks and credit unions can turn mobile traffic into measurable growth.

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Mortgage companies love to talk about “culture.” But culture shows up in how teams actually operate. At Truss you’ll see things like: • Monthly production recognition • Sales call competitions to sharpen skills • Ongoing product training and licensing growth • A team environment that pushes producers to improve It’s a platform built for people who take the craft seriously. If you’re a producing Non-QM LO who likes being around other strong operators, you might feel at home here. DMs are open.

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Data showed a steeper-than-expected month-over-month decline in overall lock volume, as borrowers pulled back amid lingering uncertainty following the government shutdown and a rate environment that has yet to meaningfully improve. 

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Credit unions shouldn’t live in emergency mode. Liquidity cycles are normal. Emergency marketing shouldn’t be. There are seasons when credit unions are lent out and need deposits. There are seasons when liquidity is strong and lending needs to accelerate. That’s part of managing liquidity responsibly. What shouldn’t be part of it is the scramble. “Can we get something live next week?” “Let’s run a rate promo.” “What lever can we pull right now?” Credit unions never stop: • Serving members • Growing membership • Capturing deposits • Funding loans Those priorities don’t disappear when liquidity shifts. The cycle isn’t the problem. The absence of integrated, year-round systems is. New member growth. Deposit capture. Loan production. All designed to work together - continuously. When those systems are in place, something powerful happens: Growth becomes steady. Liquidity becomes balanced. Campaigns become coordinated. Leadership becomes calmer. That’s not emergency marketing. That’s strategic preparation. And that’s what sustainable credit union growth looks like.

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Research Highlights Protecting Americans’ Right to Pay with Cash NCR Atleos, a leader in expanding self-service financial access for financial institutions, retailers and consumers, highlights new findings from the Siena Research Institute and the Payment Choice Coalition (PCC) showing overwhelming public support for preserving the right to pay with cash across the United States. New national survey results reveal that more than 85% of Americans want laws requiring businesses to accept cash, with 84% of those surveyed opposing a fully cashless society....

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If your credit union is preparing for 2026, your social media strategy can’t stay stuck in 2024. Our guide outlines what decision-makers must focus on to drive acquisition, retention, and trust in the year ahead. Read it here: https://lnkd.in/e-8cN7ds #EvokAdvertising #CreditUnionMarketing #OrlandoAdAgency #SocialMediaMarketing

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"To support growth, Zelle said it highlighted new reseller initiatives, including ... a partnership with Alacriti to integrate Zelle into its Orbipay Payments Hub."

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Credit unions have the heart, but not the horsepower, to compete digitally. Despite having better community connections and trust than many banks, credit unions are losing younger, digital-first consumers - along with the huge revenue opportunity they represent. Here’s why: - Only 10% of credit union sales are digital (vs. 30%+ at regional banks) - Their apps? Rated lower. Used less. - Their websites? Less engaging. - Their onboarding process? Twice the pages. Half the patience. Look, credit unions don’t need to (and shouldn't want to) become banks. They need to become better credit unions with the digital sophistication their mission deserves. Momentum waits for no one.

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"Community" A word that once meant geography. Now, it means connection. So what happens to banks built on the old definition? Are community banks still relevant—or quietly disappearing? Here’s a sharp perspective from senior leaders at KeyBank and WesBanco https://hubs.li/Q03rKjKN0

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Merchant relationships are fundamental to banking success, but numerous institutions fail to appreciate the importance of proactive engagement. A prominent U.S. bank identified this shortcoming and collaborated with ResultsCX to strengthen its merchant relationships. Through a strategic engagement model, the bank enhanced loyalty and discovered hidden growth opportunities within its merchant base. Learn how a customized approach to merchant engagement can foster deeper loyalty and reveal untapped growth https://gag.gl/MuRrZb.

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“Our credit union is too big to talk to people” I heard this line today, while in our booth at the America's Credit Unions GAC 2026. I was floored. For an industry that prides itself on “people helping people”, this comment didn’t sit well with me. Our software solution, SimplyFocused is all about combining high-tech, with high touch. People matter, now more than ever. Credit unions will NEVER, be able to compete with banks in tech. Where we can compete, is with our people. And equipping them with the tools to serve members and provide relevant products that enhance their lives. If you agree with me, that maximizing the potential of your best product (your people) is important, we should talk. Regardless how BIG you are.

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