I, your host Randy, am sitting down this week with Vince Passione, CEO and founder of LendKey. We dive into the tumultuous year in lending, discussing the challenges credit unions faced, from economic impacts to rising delinquency rates.

Vince shares insights into navigating liquidity pressures, exploring tools like subordinated debt and loan pool sales. We tackle the philosophical hurdles credit unions face in selling loan portfolios and the strategic importance of adapting to evolving industry dynamics.

The conversation also unfolds into the implications of unprecedented rate hikes, auto loan challenges, and the surge in home improvement lending. As we peer into the future, Vince sheds light on managing balance sheets with a risk-adjusted return on capital approach and offers valuable considerations for credit unions in partnering with fintechs. Tune in for a deep dive into the complexities and opportunities shaping the credit union industry as we chart the course ahead!