An examination of high-cost lending by banks, non-banks, credit unions

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Bank – checking account Credit Union – share draft account . Bank – Certificates of Deposit Credit Union – share term certificates . For Profit vs Not-For-Profit . The primary difference between a bank and credit union is their tax status. A bank is a FOR profit financial institution while a credit union is a NOT -FOR profit financial.

Sustained growth can seem insurmountable as a small credit union or medium-sized credit union in a large market. Nearly 80% of industry membership growth is attributed to the 435 credit unions with over $500 million in assets according to a CEO Advisory Group growth study. An examination of high-cost lending by banks, non-banks, credit unions. May 22.

In a credit union, the depositors are the members of the establishment, who use their deposits in purchasing shares. conversely, in a bank, the customers deposit their money by opening an account with the bank. Credit Union is a non-profit organisation, which does not operate in making profits.

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National banks do not have a similar regulatory requirement for construction loans. Loans to One Borrower Limit Credit union MBLs to one member or group of associated members generally may not exceed the greater of 15 percent of the credit union’s net worth or $100,000. 12 C.F.R. 723.8.

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For a more comprehensive list, check the FFIEC’s BSA/AML Examination Manual, Appendix F. As an aside, our members have been letting us know that this year’s examination has focused a lot on BSA compliance. Indeed, NCUA’s Letter to Credit Union 16-CU-01 identifies BSA as an examination priority for 2016. Below are some resources your.

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Starting with high-level trends in lending, the analysis goes on to compare commercial lending delinquency and charge-off data from banks and credit unions, with special attention paid to how the two portfolios compare during unemployment spikes in the business cycle.

For example, 23% of non-bank LMI loans were high cost compared to 10% of bank loans and 3% of credit union loans. Even for middle- and upper-income (mui) government-insured loans, 19% of non-bank loans were high cost, while just 6% of bank loans and 1% of credit union loans were.

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