{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"The Origination Podcast","title":"Why the Efficiency Ratio is the Metric Lenders Should be Watching Most","html":"<iframe width=\"100%\" height=\"180\" frameborder=\"no\" scrolling=\"no\" seamless src=\"https://share.transistor.fm/e/48ac793c\"></iframe>","width":"100%","height":180,"duration":1852,"description":"Karen C. Harbin, President and CEO of Commonwealth Credit Union in Frankfort, Kentucky, joins host Rodney Hood to share how watching her mother keep books at home led to a 40-year career at one credit union, which she has grown from $897 million to about $3 billion in assets since 2012. Karen explains why Commonwealth went live with Zest AI underwriting in 2021 to cope with departing underwriters and say yes to more members, how her team keeps humans in the loop, and what a credit card pullback taught them. She and Rodney also cover fraud and cybersecurity, why the efficiency ratio is the metric she watches most, and her advice for new NCUA Chairman John Crews on the interest rate cap and loan maturity limits.","thumbnail_url":"https://img.transistorcdn.com/aBb2qlgueyWq9xquNsZJiakqnNi_J8C_IZmeqn_F4vM/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8yNWUz/Mzk4NDU2YTdkNDQ1/MTFiMjFhODU4OGQ3/MTIzYy5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}