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Economic & CU Performance Trends. What if… ➠ U.S. had bright economic future? CU Trends by Asset Category… ➠ What can we do?. Chicken Vs Egg  labor market =>  HH confidence =>  spending Or  spending =>  business confidence =>  labor market.

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Economic & CU Performance Trends

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Economic & CU Performance Trends


What if…

➠ U.S. had bright economic future?

CU Trends by Asset Category…

➠ What can we do?


Chicken Vs Egg

 labor market =>  HH confidence =>  spending

Or

 spending =>  business confidence =>  labor market


What if the U.S. was going to…

  • Experience rapid growth in job creation?

  • Experience rapid growth in disposable personal income?

  • Experience a capital investment boom?

  • Become 95% energy self-sufficient by 2020?

  • Reduce its trade deficit by half by 2020?

How can credit unions leverage this opportunity?


The U.S. is experiencing an energy revolution…

  • U.S. has become a net exporter of refined petroleum products for the first time since 1949

  • U.S. has also become the fastest growing oil and gas producer in the world


What’s driving this opportunity?

  • Natural Gas Revolution

  • Technology has created this price advantage

  • $3 MBTU for natural gas translates into a crude oil price of less than $20 per barrel

  • Represents an 80% savings


Broad Economic Implications…

  • Economic Growth

  • Employment

  • 2.5 million jobs created by 2020

  • Capital Investment

  • Oil and gas exploration, drilling equipment, rail facilities, pipeline, refineries, processing and distribution

  • Consumer Spending


Broad economic implications…

  • Trade Balance

  • Reduced oil imports, increased exports of both petroleum and natural gas

  • Reduce trade deficit by half by 2020

  • Corporate Profits

  • Steep decline in energy cost will contribute significantly to profit margins, especially in the manufacturing sector

  • Government Finances

  • Accelerating tax revenues

  • Sales tax from retail sales

  • Personal and corporate tax receipts


Long-term impact on credit unions…

  • What can credit unions do to capitalize on this potential opportunity?

  • Special Deposit Accounts

  • Specialized Lending

  • Education

  • Equipment

  • Legal Assistance

  • Financial Planning


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