The buzz around the industry has all eyes on collateral values, which are expected to continue to decrease into 2018. Questions remain: How long will this trend continue? What percentage of consumers that own a car will now have negative equity and will this negative equity position lead to more credit defaults? What can credit unions do to protect themselves? As we know, the appraised value of an asset being used as collateral today, may not hold the same value over the course of the loan. While we hope adjustments and decreases do not affect values dramatically, there are checks and balances that can be put in place to mitigate the impact on your auto loan portfolio.