Enhancing Financial Stability and Covering Employee Benefit Costs 

For many credit unions employee benefits represent one of the largest operational expenses.

Evaluating COLI vs. Fixed Index Annuities for Credit Unions

This white paper compares Corporate-Owned Life Insurance (COLI) and Fixed Index Annuities (FIA) as investment options for credit unions. It educates leaders on COLI and FIA fundamentals, including NCUA § 701.19 regulatory considerations. The paper outlines the financial benefits, regulatory implications, and strategic potential of transitioning from COLI to Fixed Index strategies for better long-term investment outcomes. It provides actionable insights for executives to enhance investment strategies, focusing on maximizing returns while safeguarding capital.

Turning Lemons into Lemonade

Convert Underperforming Investment to Fund Employee Benefits 

 

Recover Margin without Cutting Benefits

Many credit unions are experiencing:

  • Margin compression
  • Rising operating expenses
  • Increased pressure on ROA and efficiency

At the same time, reducing employee benefits is not a viable option.

CU Benefit provides a strategic alternative—improving financial performance without impacting your people

CU Benefit FAQ's

 

 

Next Step

Schedule a brief 15-minute executive discussion to determine:

  • Potential impact for your credit union

  • Alignment with your current financial priorities

  • Whether it’s worth advancing for further evaluation

 

 

Simple. Strategic. Designed for Credit Unions.