News & Insights

Markets grappled with a series of mixed signals that ultimately caused significant volatility over the course of the week. The seesawing was a reaction to delayed data releases, corporate earnings and Fed clues about future interest rate moves.

The Federal Reserve cut the federal funds rate by 25 basis points (bps) on October 29 (new target: 3.75-4.00%), marking the second rate cut in 2025. Markets generally expect one more cut in 2025, but the 2026 path is hazier.

The highlight of this truncated week was the re-opening of the federal government after 43 days. On Wednesday night, President Trump signed a stopgap bill that keeps the government funded through January 30.

With the NCUA’s September 30, 2025 Call Report, Catalyst ALM experts now have a clear picture of the credit union industry’s performance through the third quarter.

The monthly Market Overview & Data Report is a comprehensive summary of November's key economic and market metrics that are fundamental to credit union financial management. The report not only summarizes key economic and market data, but also explains how these metrics are relevant to credit unions. It further includes industry peer performance data and assessment, relative value evaluation, and an upcoming economic calendar. It is also an excellent report to include in credit union board and ALCO packets.

As the financial services landscape evolves, credit unions are increasingly exploring collaborative approaches to serve their members and strengthen their financial resiliency. One approach is the strategic use of loan participations, an arrangement in which multiple credit unions share the funding and risk of member loans.

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