Participation Loans through ServionXchange
ServionXchange provides credit unions and banks with a simple, streamlined opportunity to diversify your portfolio and risk, as well as increase your profitability. By working collaboratively with other financial partners that understand the market and the industry, you can take advantage of opportunities that were not previously available.
Diversify
NCUA has expressed concerns through multiple supervisory letters and inter-agency publications about concentration risk.
“A risk concentration is any single exposure or group of exposures with the potential to produce losses large enough (relative to capital, total assets, or overall risk level) to threaten a financial institution’s health or ability to maintain its core operations.”
Relationship Focus
We value long-term relationships with our partners and their members and customers. You’ll experience personal attention and service at every turn. Responsive, attentive service is at our core.
Profit
With many components of the loan portfolio seeing modest returns, and investments in excess liquidity at near record highs, expanding the portfolio with the use of participations could be an alternative for your credit union or bank. The opportunities beyond CRE can provide yields that benefit your bottom line and provide additional servicing opportunities. With access to USDA B&I, SBA guaranteed, and SBA 504 loans, an improved yield makes the participation market attractive.
Participation Opportunities
The following list includes all loans currently available through the exchange.