The CUSO Value Proposition: Mining Success in MBL

Over the past few years, hundreds of credit unions have begun offering business loans to their members. In fact, over a third of all credit unions now have business loans on their books, an increase from just 18% a decade ago.

But much of this growth has come at the larger end of the scale – 94% of credit unions with greater than $500 million in assets now offer business loans. Yet only 21% of credit unions with less than $100 million in assets offer business loans to their members, according to September 2015 NCUA Call Report data. It truly is a tale of two cities.

Does it have to be this way? While it’s true that jumping into the MBL marketplace can be a risky and expensive proposition, with the help of outside expertise such as that offered by a seasoned CUSO, even small credit unions can enjoy solid returns in this lucrative and exciting arena.