The September unemployment rate declined from 3.9% to 3.7%, its lowest level since 1969.

Rising rates, lack of inventory to hamper growth in 2019.

Delinquencies should finish the year at 0.75%, then drift up to 0.85% by year-end 2019.

Trade disputes threaten to derail certain industries.

‘We expect credit unions to continue to outperform in the mortgage arena.’

Average age of cars on the road is at an all-time high, suggesting healthy underlying demand.

Product can lead to additional lending opportunities in the future.

Top lending challenges include technology investment and rising interest rates.

Card-loss rates will remain low, but careful scrutiny of subprime applicants is a must.

Expect solid loan growth to continue next year due to a strong economy and ‘supremely confident’ consumers.