Join us in Jackson

In today’s competitive and rapidly evolving lending environment, credit unions must move beyond outdated models and embrace a smarter, more profitable approach to lending. As we look ahead to 2026 and beyond, winning institutions will be those that balance member experience with operational efficiency and financial performance.

In this insightful session, Jessica Vartanian from CU Lending Advice will guide attendees through a reimagined lending framework—one that prioritizes structural alignment, automation, and long-term profitability.

We’ll cover:

• Designing lending structures for scalable, efficient growth
• Modern consumer lending models that balance risk and reward
• Operational strategies to reduce cost per funded loan
• Recovery tactics that protect the bottom line
• Leveraging automation to streamline and enhance lending performance
• Future-focused insights for 2025 and beyond

Are your loans profitable? Are you serving members equitably? To answer these questions every credit union needs to understand their cost to lend across product types and credit tiers. In practice, what we have found is that many credit unions struggle to quantify the costs to lend to different members, and as a result, loan pricing strategies may be incongruent with the spirit of the credit union’s mission and at other times may not be equitable to different borrowers.

This session discusses a simple framework for determining loan profitability:

Return on Loan=Weighted Average Rate - Costs to Lend

We'll cover:

• Methodologies to quantify credit risk as a cost to lend
• Insights from detailed cost structure analysis and common misconceptions about lending costs
• Customized benchmarking for better strategic decision making
• How to align pricing decisions with your mission