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Lending Curve

Intelligent Insights Into Your Business

Growth vs. Risk in Today’s Economy

The economy has been heavily featured in the news lately, with some pundits ringing the recession bell and others pointing to low unemployment and consumer confidence. Whichever way your divining rod is pointing, the fact remains that these economic indicators prompt savvy credit union lenders to be on alert.   From a retail automotive standpoint, […]

Posted in Economy Tagged Brien Joyce, EFG, Experian, limited powertrain protection, vehicle return protection Leave a comment

Diminishing the Drumbeat of Lost Auto Loan Volume

You’re sitting in a dark movie theater, watching a suspenseful film. Tensions build as an ominous drumbeat signals danger. Is the danger real or a figment of your imagination? The credit union industry might be hearing a drumbeat, but is it real? After steadily gaining auto finance share over the past eight years, credit unions […]

Posted in Business Growth, Economy Tagged auto loan originations, credit union market share, EFG, Experian, Mark Rappaport, State of the Automotive Finance Market Report Leave a comment

Finding Opportunity in Economic Uncertainty

We’re halfway through a very interesting year in the auto-lending space. If you had planned for slightly lower auto loan volume, rising delinquency rates, and an uncertain economic outlook, congratulations! You’ve planned for this situation and hopefully are managing well. Going forward, you’ll need to stay the course. The forecast for the second half of […]

Posted in Economy Tagged Federal Reserve, recession, tariffs, Tax Foundation, Trump Administration Leave a comment

Smaller Tax Refunds to Bolster Competition

It’s tax season and that typically means big business for those operating in the retail automotive space. Dealers and lenders alike benefit when consumers flock to dealerships in March and April with tax refunds in hand. However, this year the IRS is reporting about an eight percent decrease in the average tax refund. Having already […]

Posted in Business Growth, Economy Leave a comment
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