State of Credit Unions Report

Financial institutions face several challenges during the credit decisioning process, such as poor data quality, scalability issues, data fragmentation, and high maintenance costs. Experian can help lending institutions enhance their credit decisioning journey at every step, through:

• Model development
• Model deployment
• Decisioning
• Fraud analysis

Discover how your organization can take your credit decisioning journey to the next level with the Experian Ascend Platform™.

Experian’s Brodie Oldham, VP of Commercial Data Science, and Marsha Silverman, Strategic Analytic Consultant revealed several insights on how small businesses are performing during the Q2 Quarterly Business Credit Review.

During the webinar we asked the audience:

• Which macroeconomic factor is having the greatest impact on small business credit conditions this year?
• What actions if any have you taken in 2025 in response to additional tariff?
• How are small businesses adapting to tighter credit conditions in 2025?

Why you should watch:

• Leading Experts on Commercial and Macro-Economic Trends
• Credit insights and trends on 30+ Million active businesses
• Industry Hot Topics Covered (Inclusive of Business Owner and Small Business Data)
• Commercial Insights you cannot get anywhere else
• Peer Insights with Interactive Polls (Participate)
• Discover and understand small business trends to make informed decisions
• Actionable takeaways based on recent credit performance

Outstanding student loan debt in the U.S. has reached an all-time high of $1.63 trillion, and the ripple effects are being felt far beyond the personal finance arena. This unprecedented debt burden is now shaping the way many small business owners borrow, manage credit, and maintain financial stability.

Check out the full report to see how these trends could impact your strategy!

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The latest Jobs Report casts doubt on the Fed’s (and many economists’) narrative that the labor market is on solid footing. New data now show that job creation is near stall speed and other areas of the economy are slowing as well. This data, combined with a growing view that the impact of tariffs on inflation will neither be as significant as first anticipated (though still meaningful) nor as persistent, is likely to lead the Fed to cut rates at their September meeting. Get the latest on these trends, plus our new Fed rate cut forecast in Joseph Mayans' latest Macro Moment, "Rate Cuts Incoming."