As the national economy shuffles along its slow path to recovery, credit unions need additional tools to meet the multitude of challenges ahead.
Loan-to-share ratios, for example, are currently hovering at 69.7% as net interest margins continue to decline and regulations limit access to borrowers outside current markets and geographic reach.
Loan participations are experiencing a renewed interest among credit unions as they are one answer to these roadblocks, especially since there is an anticipated expansion in loan demand for the near future – in residential and commercial mortgages, business, auto and student loans.
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