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Home ABA Banking Journal Podcast

Podcast: Are credit union commercial loans risky business?

March 30, 2026
Reading Time: 1 min read
Former FDIC chair urges lawmakers to rethink credit union tax exemption

Credit Union 1 Arena in Chicago.

In recent years, credit union business lending and the number of credit unions that exceed the statutory cap on member business lending have shot up sharply. What risks do these trends pose to safety and soundness and financial stability? On the latest episode of the ABA Banking Journal Podcast, ABA’s Dan Brown and John Vermillion discuss their recent research on the subject. Not only does outsized credit union commercial activity steers these not-for-profit cooperatives away from their statutory mission, it also increases their exposure to an asset class where they — and their regulator — have traditionally lacked experience and expertise.

 

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In this episode

Dan Brown
Senior Director, Economist
ABA
John Vermillion
Economic Research Analyst
ABA

Tags: ABA Banking Journal PodcastCredit unionsFinancial stability
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