Callahan Research

Callahan & Associates utilizes its expansive credit union industry data to conduct specialty research and craft reports on key business areas. Most of these reports are only made available to credit unions who participate in the specific data collection and to Callahan Leadership clients.

Credit Union Marketing Budget Survey
Marketing-Budget-Survey-1Callahan & Associates’ Inaugural Marketing Budget Survey was created in an effort to provide credit unions with trends in marketing that are not apparent from the 5300. With an increasing number of channels being funded by marketing expenses, many credit unions are wondering how they stack up against their peers in this area. This survey takes real credit union data and breaks it down into a variety of marketing categories enabling credit union marketers to view a more detailed look at industry trends.

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2012 Non Interest Income Survey
non-intrest-loan-coverCallahan & Associates’ annual year-end non-interest income survey uncovers trends in non-interest income that are not apparent from the 5300, and can help credit unions have a better picture of this income source.

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2013 Non Interest Income Survey
2013--CoverThe 5300 Call Report requires credit unions to report on two non-interest income categories: fee income and other operating income. In reality, there are several sub-categories that comprise these two main ones, and it is important for credit unions to understand how each component drives non-interest income in comparison to their industry peers.
Callahan & Associates’ annual year-end survey provides detail and insight into this important source of revenue and highlights industry trends in non-interest income that are not readily apparent in the 5300 Call Report.

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Credit Union CPA Market Share Guide
2013CPAcoverThe decision to switch auditors is never an easy one. But it’s smart for Supervisory Committees to evaluate their options every 3-5 years and decide whether to retain their existing auditor or find a new partner.
The CPA Guide can help you build a better process for evaluating your options. In the guide you gain access to national market share rankings that showcase which firms are serving which clientele, state-by-state analysis to show which auditor specialize in your market, a list of credit unions to call for references, and more.

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Ability-to-Repay and Qualified Mortgage Rule
What Lurks under U.S.S QE?The ATR/QM brief serves as a summary to quickly get you up to speed, giving you an easy to understand definition of ATR and QM, a high level overview of the eight underwriting requirements under ATR, potential liabilities of non-compliance, and the benefits of originating QMs.

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Loan Participation Manual
Loan-Participation-Manual-0613-1You may be aware of loan participations, but you might not know how to use them, let alone where to start. Whether you’re interested in learning more about loan participations or are ready to buy or sell, Callahan’s loan participation program manual can get you and your team started.

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CEO Onboarding
Collections_CEOWelcome Aboard: A Guide For New CEOs.

When a new CEO joins the team, everyone looks to them for oversight, supervision, and most importantly, leadership. That’s a tall order to fill, regardless of whether the CEO has worked his or her way up the ranks or is joining the credit union from a new institution. This collection features thoughtful advice from eight credit union CEOs on what it takes to be a successful CEO and how to build that success from day one.

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Inspiration Edition
Collections_InspirationWhere Do Credit Unions Go For Inspiration?

Probably not to the usual suspects. And that’s the goal of this unusual CUSP Collection: to highlight ideas from outside the industry that will jump-start your creative juices. From local microbreweries to the international retail giant Apple, from a leading rock band to the NFL, this collection draws parallels to the credit union industry in five innovative case studies.

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Financial Literacy
FinancialLiteracyCoverFinancial Literacy: Why Now And How Much?

NCUA requires board of directors volunteers to have a “working familiarity with basic finance and accounting practices.” While the extent of financial literacy that volunteers must meet depends on each credit union’s complexity, there are basic concepts, definitions, and formulas every credit union volunteer and member of management should know. This CUSP Collection combines the four parts of CUSP’s Financial Literacy Series into one comprehensive booklet.

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Anatomy of a Big Thinker
Collections_GuthrieGuthrie Federal Credit Union Isn’t Your Typical Mid-Sized Credit Union

Guthrie Federal Credit Union (Sayre, PA) has more than quadrupled its asset base in the past 10 years, and it did so by thinking big. The Callahan Media team spent two days onsite in upstate Pennsylvania to peel back the curtain on Guthrie’s success. In this CUSP Collection, Rebecca Wessler distills the lessons from a small credit union making a big impact in its local market.

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Anatomy of a Dual Market
Collections_SecurityServiceThe Old Adage “You Can’t Be In Two Places At Once” Doesn’t Ring True For Credit Unions

Whether serving members with differing affiliations or serving a membership that spans neighborhoods, cities, or states, credit unions are often required to be in two places at once. In CUSP Collection Security Service Federal Credit Union reveals its strategy for being in two places at once boils down to one thing: Understand and meet members’ needs, wherever those members may be.

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CUSOs
Collections_CUSOsCUSOs Come In All Shapes And Sizes, Yet All Prove Helpful In Improving Earnings And Saving Money

The past few years credit union service organizations have pioneered a number of new earning opportunities. In addition to being a viable strategy for diversifying a credit unions’ earnings, CUSOs are also proving to be a source of cost savings and efficiency enhancement. This CUSP Collection profiles CUSOs, young and old, that are making a difference for the credit unions they serve.

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ROM Return Of The Member
ROM_CollectionsCoverCredit Unions Have Different Goals Than For-Profit Financial Institutions

Instead of solely examining financial data, credit unions must also quantify the value they provide to members to accurately understand their performance. Callahan’s Return Of The Member [ROM] score is built for just that. This collection examines how small institutions, those in the $20-$50M peer group, are succeeding at providing exceptional member value.

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Credit Union Resources