Michele Raneri, VP and head of U.S. research and consulting at TransUnion, stopped by the show to share key findings from the organization's Q2 2026 Credit Industry Insights Report (CIIR) — showing data from the report delivering a compelling story about consumer credit expansion and market stability.

Some of those key data findings in this quarter's report Michele addressed include:

• Total consumer bankcard balances increased 4.4% YoY to $1.14 trillion, while lenders returned to a growth-oriented strategy.
• Total credit lines associated with new accounts in the first quarter of 2026 rose 20.9% YoY as lenders increased both acquisition volumes and opened credit lines across all risk tiers. 
• Bankcard originations rose 11.8% YoY to 20.6M, marking a sixth consecutive quarter of growth and a Q1 record
• Consumer-level bankcard delinquencies edged higher in Q2 2026, with consumers 90+ DPD rising to 2.26%.
• For personal installment loans: Lenders are extending credit to more consumers, particularly in subprime, while maintaining underwriting discipline. Subprime borrowers and accounts grew 18.4% and 20.5% YoY, respectively, even as the size of the average new subprime loan fell 6.8%. 

Based on these highlights, Michele shared her insights on the big picture of what's currently going on with today's consumers, adding this positive quote she addressed, as well:

“While affordability pressures continue to weigh on many households, consumers appear to be managing credit obligations with relative discipline, as evidenced by modest growth in non-mortgage minimum payments and generally stable balance-level delinquency rates. Although some consumers may be experiencing financial challenges, the broader credit picture suggests that balance growth has generally remained aligned with consumers’ ability to service their debt.”

Lastly, she talked about what the credit unions’ role is here to help keep their members on the right path economically and out of trouble credit-wise.

Check it out and let us know your thoughts. And be sure to watch the entire episode below for all the details.
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Apologies for my bad hair day, too.

Commonwealth Credit Union’s Executive Vice President Jaynel Christensen and Movemint’s CEO Brian Bodell stopped by the show to share the two organizations worked together to turn member digital engagement into $246.5 million real loan activity.

Jaynel explained that Commonwealth has been using Movemint's platform since 2018 to streamline lending processes, resulting in $246.5 million in loan value across over 25,000 loans. The collaboration was highlighted as a key factor in the program's success, with both organizations working closely to adapt and improve the technology.

Brian emphasized Movemint's role in providing the technical infrastructure while Commonwealth provided the strategic direction and data. They discussed how the platform has evolved to include deposit products and other offerings, enhancing both member and staff experiences.

Jaynel and Brian also touched on the importance of continuous adaptation, data-driven strategies, and the platform's flexibility in meeting member needs. Both sides expressed appreciation for the partnership and looked forward to future developments.

Check it out and let us know your thoughts. And be sure to watch the entire episode below for all the details.

Global Women's Leadership Network Membership Coordinator Aline Guzik Duno and two GWLN scholarship winners: Heloisa Helena Lopes, Vice-Presidente do Conselho de Administração da Sicredi Pioneira, Sicredi Pioneira RS (Brazil) and Coop-Aspire Miembro del Consejo Digna Maragarita Almnte Minya (Dominican Republic) shared their multi-lingual views (Louize speaking Portuguese and Digna speaking Spanish and Aline interpreting) on the 2026 WCUC in Sydney, as well as what GWLN and winning the scholarship means to them and their careers.

Aline, Louize, and Digna also discussed relevance, mentorship, and inclusivity in today's financial cooperatives worldwide -- as well as how these organizations empower women and drive global change, with a special mention of GWLN's upcoming Executive Readiness Summit in the Dominican Republic October 13-15, 2026.

Check it out and let us know your thoughts. And be sure to visit our 2026 WCUC interview archive page for more episodes from the conference -- as well as supporting our hosts and sponsors: WOCCU, Visa, Backbone, and Despite Impossible podcast.

#CreditUnions #FinancialCooperative #FinancialInclusion #Fintech #leadership #financialservices #banking

Global Women's Leadership Network Director Lena Giakoumopoulos stopped by the Studio Lounge with three GWLN Scholarship Winners (Rivermark Community Credit Union DEI Program Manager Cristian Flores-Tapia, Polymed SACCO General Manager Mary Bokosi, and Jamaica Co-operative Credit Union League Group HRD & Administration Manager Marcia Osborne) to share their World Credit Union Conference in Sydney experience, as well as their thoughts on winning the the scholarship to attend.

Specifically, they all shared how this network empowers women globally, fostering confidence, connections, and opportunities for leadership. They also talked about the program's growth and its profound impact on women from diverse backgrounds worldwide.

Check it out and let us know your thoughts. And be sure to visit our 2026 WCUC interview archive page for more episodes from the conference -- as well as supporting our hosts and sponsors: WOCCU, Visa, Backbone, and Despite Impossible podcast.

#CreditUnions #FinancialCooperative #FinancialInclusion #Fintech #leadership #financialservices #banking

Mahalo Banking’s CEO Jim Stickley joined us on the show to preview the organization's upcoming Mahalo Conference that will be held in San Diego, CA, January 21-22, 2027, covering the latest trends and issues revolving around online account opening, stablecoins, AI, cybersecurity, as well as some pretty cool surprises in store for attendees.

Jim also explained that Mahalo Banking provides digital banking solutions with a unique and award-winning "Thoughtful Banking" offering focused on neurodiversity, including specialized interfaces for people with different visual needs and more.

Getting back to the conference, Jim says it aims to keep attendees updated on new releases and products while facilitating peer networking, with planned sessions covering AI, cybersecurity, and stablecoins, plus a celebrity keynote speaker to be revealed at a later date.

Jim noted a unique feature of the conference will be inviting all attendees to his home for brunch on the first day, and emphasized that all sessions will provide practical takeaways that credit unions can directly implement to enhance member experiences.

For more information and/or register, email the Mahalo crew at [email protected].

Check it out and let us know your thoughts. And be sure to watch the entire episode below for all the details.