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[@donaldchu](/creator/twitter/donaldchu)
"Is this a regional bank crisis The $XX million charge-off at $ZION while notable represents a small fraction of its overall portfolio. Zions Bancorp's total loan portfolio was approximately $XX billion as of mid-2024 meaning the charge-off is about XXXXX% of its loans. However the broader concern is the potential for hidden "credit cockroaches" (fraudulent or deteriorating loans). If this issue extends beyond Zions to other regionals the affected portion could grow. I would monitor regional bank earnings & earning calls transcripts (next few days/weeks) for delinquency spikes. Commercial real"  
[X Link](https://x.com/donaldchu/status/1978912283314249839) [@donaldchu](/creator/x/donaldchu) 2025-10-16T19:53Z 2739 followers, XXX engagements


"Macro Market Insights (10/10/2025) 3-year Bull Market Anniversary in October from 10/2022 bottom: +89% S&P gain; avg bull +192% over XXX yrsroom for more. 7/10 past bulls extended X yrs; Fed easing tailwind (94% chance of Oct cut)"  
[X Link](https://x.com/donaldchu/status/1976789134745518540) [@donaldchu](/creator/x/donaldchu) 2025-10-10T23:17Z 2746 followers, XX engagements


"Retail Flows Record $105B Sept inflows (+$630B YTD); on track for $800B '25. ETF inflows $1.2T. Money markets: +$80B past X wks ($7.5T sidelined). Earnings Setup: Banks next wk (JPM/Goldman). Fed minutes support easing. Tom Lee: AI "strengthening" S&P to 7K by YE despite shutdown"  
[X Link](https://x.com/donaldchu/status/1976789135919837668) [@donaldchu](/creator/x/donaldchu) 2025-10-10T23:17Z 2746 followers, XX engagements


"$GOOGL shares dipped X% today on hype around OpenAI's ChatGPT Atlas launch an AI agent browser for summarizing automating and chatting your way through the web. Not going to be the end of Chrome like some people think far from it. Google's moat is ironclad. Chrome owns XX% of the worldwide browser market with 3B users. Switching is a hassle and Google's integrated products like Android Gmail YouTube and Google cloud platform ties users in. There's likely a heavy overlap for OpenAI's 800M ChatGPT users. MacOS-only at launch for Atlas for now. It's not a zero sum game both can win but more"  
[X Link](https://x.com/donaldchu/status/1980769487290003953) [@donaldchu](/creator/x/donaldchu) 2025-10-21T22:53Z 2740 followers, XXX engagements