2025 has been all about the crunch. Credit is tight, uncertainty is everywhere and lenders are asking: is this the new normal or just another cycle? In this episode, we unpack what’s driving the squeeze, from regulation and rates to global risk, and how smart institutions are staying ahead.

We also look forward. 2026 will not be business as usual. AI, new lending models and shifting borrower behavior could reshape the landscape. Hear how leaders are finding opportunity in a market defined by uncertainty.

00:00 Anticipating a Fed Rate Cut
03:48 Embracing a New Financial Normal
08:48 Model Accuracy Relies on Recent Data
12:14 Advocating for Participation Loans
14:39 Credit Union Credit Builder Insights
19:16 Economic Uncertainty and Market Resilience
20:04 "Seizing High Yield Opportunities"