Credit Unions have €2bn of unused capacity for mortgages and business loans

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Central Bank rules have allow credit unions to offer long-terms loans since 2020

The average sector total cost-income ratio was at a five-year high at 92 per cent in September, up from 72 per cent, while the return on assets halved on the year, to 0.3 per cent.

“The maintenance of strong reserves is key to underpinning member confidence particularly in the challenging macro-financial environment and where sustainability challenges continue.” Member savings rose 1.4 per cent to €17 billion at the end of the reporting period, while total loans increased by 1.6 per cent to €5.6 billion.

 

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