---
title: "Final Recap: How to Deal with the Coronavirus Pandemic"
description: It goes without saying, it’s important for community banks and credit unions to evaluate every possible source of revenue. Historically, 80 to 90 percent of a financial institution’s revenue comes from loans, but what other sources of revenue exist for the typical bank?
---

[Ceto Blog ](https://www.ceto.com/blog)

# [Final Recap: How to Deal with the Coronavirus Pandemic](https://www.ceto.com/blog/final-recap-coronavirus)

 Written by [Stephanie Jordan](https://www.ceto.com/blog/author/stephanie-jordan) | Jun 25, 2020

Over the past few months your bank or credit union has been busy taking care of your customers and members amidst the Coronavirus pandemic. In our recent webinar, “How to Deal with the Coronavirus Pandemic… A Huge Dilemma for Financial Institutions,” we discussed the following topics:

- [Coronavirus: From Health Crisis to Financial Crisis](https://www.ceto.com/blog/coronavirus-from-health-crisis-to-financial-crisis)
- [Similarities Between the 2008 Financial Crisis and the Coronavirus Pandemic](https://www.ceto.com/blog/similarities-between-the-2008-financial-crisis-and-the-coronavirus-pandemic)
- [Relief and Assistance Efforts: Legislative Programs and Guidance During the Coronavirus Pandemic](https://www.ceto.com/blog/relief-and-assistance-efforts)
- [Challenges Facing Banks and Credit Unions During the Coronavirus Pandemic](https://www.ceto.com/blog/coronavirus-challenges)
- [Future Regulatory Intervention and the Coronavirus Pandemic](https://www.ceto.com/blog/future-regulatory-intervention)
- [“To Fee, or Not to Fee,” Rebuilding Profitability During the Coronavirus Pandemic](https://www.ceto.com/blog/to-fee-or-not-to-fee)

If you didn’t have an opportunity to listen to the webinar you can view it [here](https://info.ceto.com/coronavirus).

At the webinar we emphasize the importance of beginning preparations towards rebuilding profitability and capital now that there will be less revenue due to customer relief recommendations established by the NCUA and FDIC, as well as lower interest income due to the Fed cutting rates.

We understand how important it is for your financial institution to increase the efficiency ratio and increase profitability. Two areas of focus that will help your efficiency ratio are non-interest income and non-interest expense. By increasing non-interest income and decreasing non-interest expense you will be able to increase the efficiency ratio while rebuilding some of the profitability and capital you may have lost amidst the COVID-19 pandemic and low interest rate environment.

If you want to learn more, check out our Profitability Enhancement Playbook, a 3-step guide to increasing your profitability and improving your efficiency ratio by leveraging competitive intelligence and business intelligence to optimize income, enhance operational performance and productivity, and minimize costs.

<https://info.ceto.com/playbook>

[View full post](https://www.ceto.com/blog/final-recap-coronavirus)

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