Credit Union Commercial Lending: Mitigating Risk through Recording, Monitoring, and Reporting
In this research report, the authors investigate the recording, monitoring, and reporting of issued loans and delinquency by Canadian and US credit unions. This is done by determining whether commercial lending presents higher risks to the credit union than consumer lending; whether credit unions utilize adequate risk monitoring measures, such as the North American Industry Classification System (NAICS) for commercial loan categorization and the identification of sectoral risk; and the extent that collaboration and cooperation among credit union can reduce risk.
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