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  • Loan Zone: An analytics-based approach to risk-based auto lending

    first_img continue reading » Credit unions have made notable gains in the auto loan market in recent years, driven in part by the lower rates they have offered. Going forward, a new approach to setting rates—an analytics-based approach—should give credit unions new power to stay competitive when adjusting in response to changes in federal rates.CUs’ Recent Market GainsCredit union have expanded the number of auto loans they hold in the market. According to NCUA 5300 call report data compiled by CU Rise Analytics, of 108 million auto loans in the market as of the second quarter of 2017, 23 million (21.29 percent) were funded by credit unions. This increased to 24 million by Q2 2018. Additionally, in 2017, the number of CU auto loans grew 9 percent, while for the overall auto loan market, the number of loans grew only 4.8 percent. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

  • Update on the latest sports

    first_imgUpdate on the latest sports July 5, 2020 Hamilton has spoken widely about racism in recent weeks following the death in Minneapolis of George Floyd in May. F1-AUSTRIAN GPBottas wins F1′s season-opening Austrian GP, Hamilton 4thSPIELBERG, Austria (AP) — Valtteri Bottas has won a chaotic season-opening Austrian Grand Prix which saw Formula One champion Lewis Hamilton finish fourth after getting a late time penalty.Hamilton’s penalty saw him drop from second to fourth on Sunday. That meant Charles Leclerc took second place for Ferrari and Lando Norris was third.The race was interrupted three times by a safety car and nine of 20 drivers abandoned. The Red Bulls of Max Verstappen and Alexander Albon both went out the race. Braves manager Brian Snitker says the 34-year-old Hernández chose to skip the season due to the coronavirus pandemic.A six-time All-Star in 15 seasons with Seattle, the player known as King Felix needed a fresh start following 2019, his worst season.The decision was made after Hernández participated in workouts Friday and Saturday at Truist Park.The Braves announced Saturday that four-time All-Star first baseman Freddie Freeman, reliever Will Smith and two more Atlanta players tested positive for COVID-19.In other virus-related baseball developments: F1 DRIVERS AGAINST RACISMF1 Drivers all wear “End Racism” T-shirts, but 6 don’t kneelSPIELBERG, Austria (AP) — Valtteri Bottas kneeled holding the winners’ trophy at Formula One’s season-opening Austrian Grand Prix on Sunday and the podium trio held up a black T-shirt with “End Racism” written on it.That message was delivered before the race when all drivers wore that T-shirt. World champion Lewis Hamilton, the only black driver in F1, had Black Lives Matter on the front and End Racism on the back.But six drivers did not join Hamilton and 13 others in taking the knee. One of the six, Charles Leclerc, later tweeted that behavior in everyday life matters more than “formal gestures that could be seen as controversial in some countries.” He said his failure to take a knee doesn’t mean he’s “less committed than others in the fight against racism.”center_img CLEVELAND (AP) — Manager Terry Francona believes it’s time for the Cleveland Indians to change their nickname. Francona says the Indians should “move forward” and consider a new name.The American League team has been called the Indians since 1915. On Friday, the team released a statement saying it was committed to determine a “best path forward with regard to our team name.” The move came hours after the NFL’s Washington Redskins announced plans to review their contentious logo and nickname.Last year, the Indians removed the much-criticized Chief Wahoo logo from their game worn caps and jerseys.In other news from baseball’s summer training:— Left-hander Andrew Heaney is expected to make his first opening day start for the Los Angeles Angels. Manager Joe Maddon confirmed his selection before the Angels’ third workout of summer camp. Los Angeles is expected to open the season July 24. The 29-year-old Heaney will be the Angels’ fourth different opening day starter in four years. He went 4-6 last season with a 4.91 ERA and 118 strikeouts while missing time with injuries to his left elbow and shoulder. — Washington Nationals manager Dave Martinez says two players out of 60 tested turned up positive for the novel coronavirus. Martinez says the two players took their tests Wednesday before reporting to Nationals Park and that some are still awaiting their results. Reliever Sean Doolittle minutes earlier lamented not having his COVID-19 test results back from Friday and implored baseball to “clean this up.”— The Chicago White Sox say two players have tested positive for COVID-19 and are in isolation. The team said Sunday that the two unidentified players are asymptomatic, and contact tracing for both was conducted. They are being monitored by team medical staff and will receive follow-up testing in the coming days. They will be allowed to return to baseball activities after they test negative twice and pass other appropriate COVID-19 protocols.— Milwaukee Brewers outfielder Christian Yelich acknowledges he benefited from fortunate timing in his contract negotiations. The Brewers held a March 6 news conference to announce that the 2018 NL MVP had agreed to a nine-year, $215 million contract. Spring training was halted less than a week later because of the coronavirus pandemic. Yelich’s deal was finalized before the loss of revenue from Major League Baseball’s shortened season and labor unrest created at least some uncertainty about the game’s financial future. He says everybody is in a unique situation this season.MLB-INDIANS-FRANCONAIndians manager backs name change Share This StoryFacebookTwitteremailPrintLinkedinRedditMLB-BRAVES-HERNANDEZFélix Hernandez opts out of 2020 seasonATLANTA (AP) — Former Cy Young winner Félix Hernández has opted out of the 2020 season, at least temporarily ending his bid to revive his career with the Atlanta Braves. Associated Press last_img read more

  • Badgers await round 2 with Big Red

    first_imgNearly three years later, one game still comes to mind when Wisconsin fans think of the Cornell Big Red: a blowout in the second round of the 2010 NCAA tournament.The first and only previous meeting between the Badgers (1-1) and Big Red (1-1) came in a 87-69 Cornell victory, who shot better than 53 percent from three-point range and 61 percent from the floor in that game. Only three current Wisconsin players – Jared Berggren, Ryan Evans and Mike Bruesewitz – appeared in the initial matchup.But the Badgers will get a bleated shot at redemption at the Kohl Center Sunday.“I remember they hit a lot of tough shots, they kind of unlocked the key to our defense and we played fairly solid defense, they just made crazy shots that game,” Evans said of the 2010 loss. “That’s just one of those games like Ohio State (in March 2011) when we went there two years ago, they hit (14 of 15) threes.”The Badgers are still reeling after a 74-56 defeat to No. 10 Florida Wednesday night in Gainesville that saw uncharacteristic defensive lapses allowing the Gators to sink over 60 percent of their two-point tries. On the offensive end of the floor, Wisconsin failed to establish a presence inside the paint and settled for forced outside looks.UW finished with at a 35.6 percent clip from the floor and went 7-of-24 from beyond the arc in a difficult early season test.“I think we just got exposed on every facet of the game,” said freshman forward Sam Dekker, who co-led the Badgers with 11 points Wednesday. “Toughness defensively, offensively and there’s some things that we just got to shore up.”Cornell may lack the national recognition of Florida, but the Ivy League opponent will test UW’s defense with plenty of three-point tries (39 attempts through two games). Led by senior forward Errick Peck with 13.5 points and five rebounds per game, Cornell has a new coach in Bill Courtney since the first time these two schools met but has kept a similar style of play.Anchoring the Big Red’s backcourt is sophomore guard Gulal Cancer, who adds 11 points per game and has notched 11 assists through the first two games of the season. “I know they’re good shooters, they run a lot of stuff similar to what we do,” Dekker said. “They run guys off screens, they do a lot of rubs and wheels, so it’s just about fighting around screens and communicating and running them off the three-point line because that’s where they’re going to beat us if they beat us.”As the Badgers return to the friendly confines of the Kohl Center – where they have won 24 of their last 25 nonconference games – they realize they must find higher-percentage shots to earn their second win of the young season.But in head coach Bo Ryan’s swing offense, fundamentally sound defense – something UW severely lacked against the Gators – is crucial. Evans said this relatively young lineup in which three freshmen – Sam Dekker, George Marshall and Traevon Jackson – see healthy time on the hardwood is still learning how to defend at the next level.“We got to win playing as a team, we’re not an individualistic type team, we’re not the Miami Heat out here,” Evans said. “We’re a team that’s going to have to win by team defense.”UW tips off with Cornell at 5 p.m. Sunday and the game will be broadcast on ESPN3.com.last_img read more

  • An experience in the promotion playoff of ‘10’

    first_imgIf something has pursued Girona in its recent history, it is bad fortune in the promotion playoffs. But the experience is a grade and the whole rojiblanco would grab it if at the end of the season it disputes the promotion to Primera. Pep Lluís Martí is trying to give his players a competitive style and it is laying the foundations of a group that offers a reliable version in complicated moments. And in the last days he is making it and it bears fruit because Girona has settled in the playoff positions. Arriving with good feelings to the last part of the course is crucial and, for now, at the qualifying level, the red and white fans are happy. And, moreover, given that experience is important, looking up on the table day after day is also important and the Gerundeans already add ten (28 have been disputed) among the top six classified. Until day 16 they only stepped on these positions twice (they were sixth), but now they have found regularity and good results and, in the last 12, only in four have they been lower than sixth place. Now, Girona is fifth and in the ranking of the experience among the first six this course only five teams surpass him: Cádiz (28), Almería (28), Zaragoza (27), Huesca (27) and Fuenlabrada (25).last_img read more