Effective communication between Originating Lenders and Participants involved in syndicated commercial real estate loans is essential for managing risk, ensuring transparency, and maintaining regulatory compliance. Credit unions engaged in participation lending must operate within the regulatory framework established by the National Credit Union Administration (NCUA), particularly under 12 CFR Part 723—Member Business Loans; Commercial Lending […]
A single factor rarely drives economic uncertainty. Instead, it emerges from a combination of shifting interest rates, persistent inflationary pressures, evolving consumer behavior, and changing capital markets. According to AP News, these changes reflect broader volatility across credit markets and business confidence. For credit unions, these conditions can complicate forecasting and heighten concern around credit […]
Collaboration has always been the hallmark of the credit union movement. From pooling capital to serving communities overlooked by traditional banks to advocating for cooperative principles on the national stage, credit unions thrive when they work together. That same cooperative spirit is driving one of the most important growth frontiers today: business lending. Business lending […]
A Business Case for BB-360® – Volume II By Pat True, Lendovative Technologies, Inc. Recent data from the OCC as well as bankrate.com indicates that 43% of small-to-medium sized businesses (SMB’s) seeking financing applied for a business line of credit, and the most common use of lines of credit is to support working capital needs. […]
A Better Way to Support SMB Cash Flow – Introducing BB-360® By Pat True, Lendovative Technologies, Inc. Within the first two years of operation, the first significant financing need a business often requires is a revolving credit line. These facilities help the business management team even out the cash flow cycles that can result from […]
Credit unions have built their reputation on trust, accessibility, and a deep commitment to the communities they serve. Traditionally focused on consumer banking, offering services like savings accounts, car loans, and personal credit, they’ve long been a financial haven for individuals and families seeking a more personal touch than what big banks provide. But as […]
Making loans is easy. Managing a commercial loan portfolio is infinitely harder and more complex. This truism is the perfect starting point for a review of the credit union commercial lending market. Many of us have lived through both rock bottom interest rates and rapidly expanding portfolios, with loan delinquency rates near zero and minimal […]
As a Credit Union Service Organization (CUSO), we operate at the nexus of innovation and regulatory diligence, empowering credit unions to serve their members more effectively—our role is both supportive and strategic. Looking ahead to 2025, regulatory readiness has never been more critical. With increasing scrutiny from bodies like the National Credit Union Administration (NCUA) […]
Credit Union Service Organizations (CUSOs) are specialized entities designed to support the growth and competitiveness of credit unions by offering services they might not be able to provide independently. CUSOs are owned by one or more credit unions and operate in a collaborative spirit to develop and share resources, technologies, and expertise. They aim to […]
MBFS is a Credit Union Service Organization jointly owned by American Heritage Federal Credit Union, American Spirit Federal Credit Union, Century Heritage Federal Credit Union, Clearview Federal Credit Union, West-Aircomm Federal Credit Union, Discovery Federal Credit Union, Launch Credit Union, Sun East Federal Credit Union, People First Federal Credit Union, Erie Federal Credit Union, Choice One Community Federal Credit Union, Eagle One Federal Credit Union, Service 1st Federal Credit Union, and AOD Federal Credit Union.
