Articles & Reports

Below you will find various articles, reports, and videos authored by Glatt Consulting, and also outside articles and resources we find particularly relevant to credit union strategy, design, and culture concerns.

Small-Business Lending Languishes as Community Banking Weakens

Small-business loans at U.S. commercial banks have declined 15 percent from their precrisis high, while total business loans increased 33 percent according to an Economic Letter published by the Dallas Fed. Explore the causes, and perhaps consider whether credit unions can serve as a viable alternative to the commercial banking sector.

el1703.pdf

Financial Health of Young America

This report is the first in a series of reports analyzing financial challenges facing today’s young people, and represents the most comprehensive look to date at the financial security of Millennials compared to their parents. This generation of young people earns lower incomes, are less likely to own a home, and have lower net wealth than their parents at the same stage in life.

Origin: http://younginvincibles.org/financial-health/

FHYA-Final2017-1.pdf

HealthScores, Wardrobe Malfunctions, and Talladega Nights

GC's Tom Glatt and CU Broadcasts's Mike Lawson discuss Q3 2016 credit union HealthScores. In this interview, Tom and Mike focus on the continued improvement in overall credit union health, and spotlight two Peer Group 3 credit unions knocking it out of the park: Little Rock Fire Department Federal Credit Union, and Sycamore Credit Union.

Exploring Special Purpose Bank Charters for Fintech Companies

The OCC is considering granting a special purpose national bank charters to fintech companies. It is currently seeking feedback on a paper it drafted recently regarding possible chartering strategy. You'll find the paper here, including a list of questions for commenter consideration.

special-purpose-national-bank-charters-for-fintech.pdf

A View of Unhealthy Credit Unions

Glatt Consulting’s HealthScore model is designed to identify healthy vs unhealthy credit unions. As of Q4 2015 we note 385 “unhealthy” credit unions, meaning credit unions that score less than 4 on our 0-10 HealthScore scale. What do these credit unions look like, and what challenges do they have in common?

AViewofUnhealthyCreditUnions.pdf

The Demographics of Loan Delinquency

Do "delinquency-prone" demographic characteristics underlie a greater "taste for risk," or are families with certain demographic characteristics exposed to greater risk for reasons they did not choose and cannot control? Survey evidence collected over about 25 years points toward structural factors related to demographic characteristics rather than individual risk preferences as the better explanation for varying delinquency risks.

ITB15_august_2016.pdf

Senior Loan Officer Opinion Survey on Bank Lending Practices

The October 2016 Senior Loan Officer Opinion Survey on Bank Lending Practices (SLOOS) addressed changes in the standards and terms on, and demand for, bank loans to businesses and households over the past three months.

SLOSOctober2016.pdf

The Impact of Student Debt on Young Americans

Student loan debt is having a profound impact on the daily lives and spending habits of young Americans, casting a pall over the nation’s economic recovery. Many borrowers may never run into problems with their loans, but the mere existence of the debt is a burden that is impacting the way student borrowers make important lifestyle decisions.

LifeDelayed-white-paper.pdf

Article & Report Archives

Small Business Credit Survey (2015)

The Small Business Credit Survey, a collaboration among seven Federal Reserve Banks, including New York, Atlanta, Boston, Cleveland, Philadelphia, Richmond and St. Louis, offers insight about business owners’ financing decisions. The survey focuses particular attention on how credit demand, sources and outcomes vary within the small business sector.


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