BIRMINGHAM, Ala.-Dennis Dollar expects many strategic planning sessions this fall will be examining forecasts related to the entire asset/liability mix due to the potential for rising rates.

"I think we will see more strategic goals about reshaping the balance between mortgages and consumer lending," said Dollar, principal partner at Dollar Associates. "We have gone through a five-year period of heavy mortgage activity during which credit unions' national share has risen to 6% from 2%. Rising rates will lead to far less refis and mortgage lending overall, so credit unions will look more to consumer lending."

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