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balancing the risks vs rewards of uninsured deposits

Subpar Credit Unions with Uninsured Deposits

During the 12-month period ending June 30, 2024, uninsured shares and deposits at our nation’s credit unions increased to nearly $170 billion. Roughly $1.5 billion of those uninsured deposits are at credit unions that are deemed less-than-Well-Capitalized by regulatory standards.…

New 5-Star Bank Branch Coming

Since January 1, 2023, 475 5-Star community banks have opened nearly 600 branch offices. Those with four or more new “organic” branches during 2023/2024 are highlighted in this article. Those with two or three new branches can be found on…

Commercial Loans, Enforcement Actions and Crypto, Oh My

This week we examine some of the reasons that many banks are currently reducing their asset size. As the title suggests, the primary reasons include 1) divestiture of commercial loans, CRE in particular; 2) regulatory enforcement actions; and 3) exiting…

Banks: Finding Niches & Growing Assets

During the five years ended June 30, 2024, the number of U.S. banks decreased by over 14%, mostly by way of mergers and acquisitions. This consolidation of the banking industry in the U.S. has increased the average bank asset size…

Credit Union Acquisitions of Banks Pick up Speed

Since January 1, 2023 at least 37 banks have either been acquired or have made plans to be acquired by a credit union. (The list seems to grow daily.) Some of the acquiring credit unions are repeat customers, gobbling up…

Residential Real Estate Faltering in the Heartland

This hurricane season will undoubtedly have lasting effects on the people, businesses and banks operating in the Southeastern United States. Our hearts and prayers are with them. For the most part, residential real estate had been holding up quite well…