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Web Poll Archive

  1. What does your credit union charge for the "skip-a-payment" option on consumer loans?
  2. If you offer first mortgage loans, how do you service them?
  3. Has your credit union sold its Credit Card Portfolio?
  4. (Excluding mortgage loans) Do you charge an application fee?
  5. How many conferences / training events do you plan to attend this year?
  6. If your CU risk base prices their auto loans, are they matching rates of competitors?
  7. If your credit union has a mortgage processor on staff do they receive an incentive plus base pay?
  8. Do you plan on attending this years Future Forum in San Francisco?
  9. Which avenue does your credit union utilize for tracking lien perfection (on consumer loans)?
  10. Do you give incentives to your members to apply for their loans on-line?
  11. Does your credit union offer the following mortgage loans?
  12. Bankruptcies received in October 2005 were?
  13. Bankruptcies received in November 2005 were?
  14. Does your CU charge a fee to your members for requesting an extension on making their loan payment?
  15. What is the annual fee tied to your cards that have rewards?
  16. What is your loan decision time standard for consumer loans?
  17. What percentage of consumer loans are approved by an automated system?
  18. Does your credit union offer reverse mortgage loans?
  19. Does your credit union use an auto loan default program?
  20. Does your credit union offer a fixed rate HELOC?
  21. Does your credit union rate match Home Equity Loans?
  22. Does your credit union require specific employment or some other primary eligibility condition for new credit union members (not including familial relationships with or sponsorship by a current member)?
  23. Would you be interested in a webinar or white paper on how to lend to new Americans (permanent resident Alien and non-resident Aliens)?
  24. There is quite a bit of legislative activity regarding student lending and the future of the Family Federal Educational Loan Program. Would you be interested in hearing more about how this could affect the student lending business?
  25. What types of mortgage workout options are you allowing for past-due members?
  26. How many times do you think the Fed will lower the rate between now and the end of the year?
  27. Do you anticipate your first mortgage loan volume dropping due to secondary market pricing adjustments?
  28. How likely is your Credit Union to reduce the maximum loan-to-value on SUVs and Trucks due to rising gas prices?
  29. Have your repossessions on SUVs and Trucks increased over the last 6 months?
  30. Will your CU participate in the Making Home Affordable Program?
  31. What is the maximum LTV you currently allow on Home Equity Loans?
  32. How many annual loan skip-a-pays do you allow?
  33. What is the usual duration of your loan modifications?
  34. For credit unions who are doing first mortgage modifications, what percentage of your portfolio has received a modification?
  35. What is your current maximum LTV guideline (A Tier) for home equity loans?
  36. How is your credit union doing with consumer loan volume?
  37. What is your credit union doing to combat the 0% new car financing offered by most of the manufacturers?

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