Podcasts about credit unions

“When we have presence, it creates space for trust, clarity, and a real, true connection.” - Jill NowackiWelcome to episode 217 of The CUInsight Experience podcast with your hosts, Randy Smith, co-founder of CUInsight.com, and Jill Nowacki, President and CEO of Humanidei.This episode is sponsored by The Sheeter Group - a leading executive benefits firm that meets your retention and succession needs. This includes non-qualified benefit plans, short and long-term incentive plans, compensation studies, scorecard design, performance evaluation, and more. Learn more at sheetergroup.com.In this season, Jill and I will have conversations centered around leadership, credit unions, and living our best lives. We will have some of the most respected leaders from around credit unions who we are grateful to call friends join us in the discussion from time to time too.In this episode, we discuss all things presence and the importance of being present as a leader. Presence is the ability to truly show up mentally, emotionally, and energetically for your team and organization, and it's something that all leaders struggle with at one point in time or another, ourselves included. We discuss how a leader's presence shapes the team—without it, distractions, rushed decisions, and confusion take hold, but with it, trust, clarity, and connection flourish.We also highlight the need for leaders to be intentional about creating space in their schedules, setting boundaries, and resisting the impulse to jump between tasks or immediately respond to messages. Listen as we share some personal stories and insights around the struggle to disconnect, stay focused, and resist the urge to constantly check devices.We ultimately conclude that while presence may be one of the most overlooked leadership skills, it is also one of the most impactful, and by committing to regular practice and creating the conditions to truly show up and be present, leaders can unlock new levels of focus, connection, and effectiveness for themselves, their teams, and their organizations! We hope that you enjoy our conversation on presence!Find the full show notes on cuinsight.com.Subscribe on: Apple Podcasts and SpotifyAudiobook mentioned: An Everyone Culture: Becoming a Deliberately Developmental Organization by Robert Kegan, Lisa Laskow, et al.Previous guests mentioned: Leo Ardine (episodes 21 & 150)

Glen connects with the founders of three early stage startups- Lulo, PromptWrx and Thryft Ship- who pitched for the $25,000 Innovation Challenge prize at Fintech South last week, each addressing a quite different pain point. Also- Visa gives up on US open banking, Wyoming (kind of) launches the first state-issued stablecoin, and our own audience vote for best startup.         Links related to this episode:   Click here to vote for your favorite of the three Innovation Challenge Finalists. Lulo: https://www.hellolulo.com/ PromptWrx: https://promptwrx.com/ Thryft Ship: https://thryftship.com/  Reuters on Visa's shuttering of its US open banking unit: https://www.reuters.com/business/finance/visa-closes-us-open-banking-unit-data-fight-heats-up-source-says-2025-08-22/  CoinTelegraph's reporting on Wyoming's stablecoin launch: https://cointelegraph.com/news/wyoming-frnt-stablecoin-visa-support-7-blockchains  Fintech Business Weekly's assessment of Wyoming's FRNT stablecoin: https://fintechbusinessweekly.substack.com/p/who-is-wyomings-stablecoin-for    Join us for our next CU Town Hall- Wednesday September 17 at 3pm ET/Noon PT- for a live and lively interactive conversation tackling the major issues facing credit unions today. The Town Hall is free to attend, but advance registration is required:  https://www.cutownhall.com/   Follow us on LinkedIn:  https://www.linkedin.com/company/best-innovation-group/   https://www.linkedin.com/in/jbfintech/  https://www.linkedin.com/in/glensarvady/

Send us a textIn a year about 500 members of First City Credit Union in Pasadena die.  It's a credit union with 57,000 members.And what happened after the member's death?On the show is Saeid Kian, CEO and co-founder of Ribbon, a fintech that has developed a tool kit to help credit unions speed up the process of settling a member's estate and also - this is huge - helping the credit union retain some of those assets on its books.Also on the show is Nav Khanna, CEO of the $900 million First City Credit Union and his is the first credit union to go live with Ribbon.Why did he agree to be the first? What benefits has First City seen?  Know this: at most financial institutions the process of handling a deceased member's accounts is labor intensive.  It annoys the heirs and very likely it also annoys the credit union employees who are tasked with handling the estate.Saeid knows this first hand because the idea for Ribbon grew out of his own frustrations in settling his father's estate - a process that took many frustrating weeks.  There had to be a better way, he thought, a way that worked better for the heirs and maybe for the credit union too because the heirs no longer would leave the institution with a settlement check in hand and with the intention to never again deal with that institution.And Nav tells us it's really working at First City.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Are you looking to boost your credit union's loan portfolio? Want to stay ahead in the competitive world of financial services? In this episode of Credit Union Conversations, host Mark Ritter, CEO of MBFS, sits down with Todd Stauffer, our seasoned Relationship Manager in Western Pennsylvania, to share insights on succeeding in commercial banking. From navigating market trends to leveraging speed to market for a competitive edge, Todd reveals strategies to help credit unions thrive. Tune in to learn how to adapt to changing interest rates and build lasting client relationships!IN THIS EPISODE: (00:00) Intro: Meet Todd Stauffer(02:17) Advice for young professionals emphasizing hard work for growth in banking and financial services(06:11) Borrowers are adapting to higher interest rates, reflecting changes in credit union lending(06:55) Varying rate expectations across markets, important for competitive lending in credit unions(07:15) Investors accepting lower loan-to-value ratios, relevant to commercial real estate lending(09:16) Speed to market as a competitive edge for credit unions against big banks(13:17) Maintaining high pull-through rates in loan applications, critical for credit unions KEY TAKEAWAYS: Hard work and discipline are critical for achieving long-term success in financial services and commercial banking, requiring professionals to stay resilient, adapt to setbacks, and consistently execute well-thought-out plans to thrive in dynamic market trends.Credit unions secure a competitive edge through rapid speed to market and transparent communication, setting them apart from larger banks by offering tailored lending solutions and fostering trust in client relationships.Borrowers are demonstrating adaptability to higher interest rates and investors are accepting lower loan-to-value ratios, showcasing resilience in commercial real estate markets, which enables credit unions to support robust lending opportunities despite economic shifts.RESOURCE LINKS:Mark Ritter - WebsiteMark Ritter - LinkedInTodd Stauffer - LinkedInKEYWORDS: Credit Union, Financial Services, Todd Stauffer, Mark Ritter, MBFS, Commercial Banking, Loan Portfolio, Western Pennsylvania, Borrower Adaptation, Interest Rates, Real Estate, Speed To Market, Competitive Edge, Client Relationships, Market Trends, Career Guidance, Credit Union, changes in credit union lending

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Episode SummaryIn this episode of With Flying Colors, I'm joined by two longtime friends and former NCUA colleagues — John McKechnie and Geoff Bacino — for a candid roundtable on the latest twists at the agency and across the credit union movement.From the legal limbo over NCUA board seats to the agency's shrinking staff and the Supreme Court case that could reshape presidential power, we dig into what it all means for your credit union. We also cover the leadership change at America's Credit Unions, the future of CFPB oversight, and what to expect from NCUA's upcoming strategic planning town hall.And yes — we wrap up with some NFL predictions (with John's Ravens, Geoff's Bears, and my Vikings all getting their fair share of good-natured ribbing).What You'll Learn in This EpisodeThe latest on the NCUA board shake-up: Harper, Ska, Trump, and the courtsHow the Humphrey's Executor Supreme Court case could upend federal regulatory appointmentsWhat NCUA's staff buyouts and hiring freeze mean for supervision and examinationsWhy communication between credit unions and regulators is more critical than everInsights on America's Credit Unions' new CEO Scott Simpson and what his leadership could signalThe future of CFPB oversight and how credit unions should prepare for the next compliance pendulum swingWhy the upcoming NCUA strategic planning town hall is a chance for credit unions to speak upSome football predictions to lighten the mood — Ravens, Bears, and Vikings fans, take note

Succession planning isn't just a boardroom checkbox—it's a strategic safeguard for your credit union's future. In this episode, Scott Anderle is joined by a panel of industry leaders and Target Leadership graduates including: Peter Tyson, Sarah Thompson, John Ragsdale, and David Baldwin. They break down how intentional leadership development creates real, sustainable solutions to one of the credit union movement's most urgent challenges. With credit union consolidations on the rise and retirements looming, we dive into what it takes to build leadership bench strength that's ready when it counts. Learn how Target Leadership helps leaders understand themselves, their teams, and their next role. This conversation is packed with practical takeaways, real-life impact, and timely reminders that succession planning is not optional—it's mission critical. In this episode we talk about and answer these questions: • What makes the NCUA's new succession planning rule such a game-changer? • How can small and mid-size credit unions tackle leadership gaps with limited resources? • Why was Target Leadership created—and what problem does it actually solve? • What's the role of leadership voice, triggers, and EQ in preparing for succession? • What are practical ways leaders can track growth and readiness on their teams? • How did Target Leadership graduates apply their training in real-life situations? Click Here to Submit Your Questions Links from show: Read NCUA's Succession Planning Final Rule Download NCUA's Succession Planning Template for Small Credit Unions Future-Proof Your Credit Union – CU Insight Click here to sign up for the New Employee Bundle (Sales, Service and History) Learn More About the Target Leadership Course Subscribe to ServiStar Leadership Podcast on your favorite streaming service

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/OPERATIONAL RISKSCyber incident response planning essentials Communication strategies for cyber incidents Legacy system conversion nightmaresNCUA's helpful approach to cybersecurity findings Core system conversion best practices

In our eighth episode of the season, Clay Adams, President & CEO of Mascoma Bank (NH), joins Vin, Zach, and Joe Kennerson. The guys dig into Clay's background in the private sector and on the Mascoma Board before emerging as the bank's CEO, Peter Drucker and Daniel Pink, the role of AI and stablecoins in banking's future, and how Mascoma Bank created its own SaaS platform (“Stratum”) designed to modernize the technological environment of financial institutions.For more insights and ideas, visit DCG at DarlingConsulting.com or follow us on LinkedIn.

Glen catches up with Lou Grilli for a first-hand recap of the recent World Credit Union Conference in Stockholm, Sweden, and to trade perspectives on a flurry of recent fintech news: open banking, stablecoin interest/”rewards,” debit interchange and another Zelle lawsuit. Also- a new leader at America's Credit Unions, and have we entered the Era of the Do-Over?        Links related to this episode:   The World Council of Credit Unions: https://www.woccu.org/  Connect with Lou Grilli on LinkedIn: https://www.linkedin.com/in/lougrilli/  CU Broadcast's interview with America's Credit Unions' incoming CEO Scott Simpson: https://www.cubroadcast.com/episodes/4022-scott-simpson-discusses-being-selected-as-americas-credit-unions-new-presidentceo  Payments Dive on the court ruling altering debit card regulations: https://www.paymentsdive.com/news/federal-judge-vacates-debit-fee-card-payments-regulations/757108/   PYMNTS.com on yet another twist in the CFPB Open Banking saga: https://www.pymnts.com/news/cfpb/2025/banks-challenge-open-banking-deadlines-cfpb-mulls-revisions/  Fintechs, crypto, AI players band together to press President Trump on open banking: www.ftassociation.org/wp-content/uploads/2025/08/Open-Banking-CEO-Letter-to-President-Trump_08.13.25-1.pdf  Cracks in stablecoin “regulatory clarity” created by the GENIUS Act are already emerging: https://cointelegraph.com/news/us-bankers-want-stablecoin-yield-loophole-closed  Banking groups' letter appealing for a revision of GENIUS Act provisions: www.aba.com/-/media/documents/letters-to-congress-and-regulators/jointstateltrgenius20250812.pdf    CNBC on the NY Attorney General's lawsuit against Zelle: https://www.cnbc.com/2025/08/13/new-york-letitia-james-zelle-lawsuit.html Our recent interview with Finovate's Greg Palmer: https://www.big-fintech.com/448-minutes-of-fintech-demos-475-fis/     ***Use Code BIG20 for a 20% registration discount on Finovate Fall, September 8-10 in NYC***: https://informaconnect.com/finovatefall/ Follow us on LinkedIn:  https://www.linkedin.com/company/best-innovation-group/   https://www.linkedin.com/in/jbfintech/  https://www.linkedin.com/in/glensarvady/

Send us a textThis is a CU 2.0 Podcast first.Never before, in almost 500 episodes, have we done this.On the show is Crystal Zarse, a member of Interra Credit Union, a $1.7 billion Indiana based institution, and she is here to tell about her experience using the Prizeout Cashback+ debit card which rewards users with cashback often around 10% of purchase price, sometimes much more.Focus on that.  Here's a member who has taken time out of her to tell what benefits she gets by using the Cashback+ debit card that Interra issued to her.Also on the show is Joel Richard, an Interra senior vice president of member experience, and David Metz, CEO  of Prizeout.Metz has been on the show before and what got him a return visit was when his PR person, Andrea Holland, emailed me to offer up a credit union member who would talk about how Cashback+ makes her life better.A big gong went off in my head.  I had never before done this in a show…and yet credit unions trumpet that they are member focused.  Credit unions are here to improve the financial lives of everyday people.I had to do this show and, honestly, Crystal Zarse is everything I could have hoped for in a guest.Message to other credit unions/fintechs: If you want on the show, grease your path by lining up a member to join the mix.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Your apps are better, your processes smoother, your metrics stronger. But as members go increasingly digital, are you accidentally engineering yourself out of their lives?In this episode of Grow Your Credit Union, host Joshua Barclay and co-host Becky Reed welcome Tim Schmitt, Chief Experience Officer at PFP Services, to explore why the biggest member experience mistake might be hiding in plain sight, how protection products can become trust-builders instead of payment-killers, and what's actually driving credit union growth.A huge thanks to our sponsor, PFP Services. Credit Unions know that engagement is key to success. PFP Services brings expertise, resources, and passion to help you build strong connections with your members. Our goal is to grow your credit union together, forming lasting bonds every step of the way. Partnering with us means a mutually beneficial relationship with absolutely no cost! Visit familysecurityplan.com/credit-unions/ to learn more. 

“Sometimes there are monumental changes, but other times it's what can you do today to get one step closer?" - Randy Smith Welcome to episode 216 of The CUInsight Experience podcast with your hosts, Randy Smith, co-founder of CUInsight.com, and Jill Nowacki, President and CEO of Humanidei.This episode is sponsored by The Sheeter Group - a leading executive benefits firm that meets your retention and succession needs. This includes non-qualified benefit plans, short and long-term incentive plans, compensation studies, scorecard design, performance evaluation, and more. Learn more at sheetergroup.com.In this season, Jill and I will have conversations centered around leadership, credit unions, and living our best lives. We will have some of the most respected leaders from around credit unions who we are grateful to call friends join us in the discussion from time to time too.In this episode, Jill and I talk about all things pivoting - when you realize the path that you're on isn't the one you need to stay on. It can be a strategic shift, a leadership adjustment, or even a whole new direction. The need to pivot can come from burnout, boredom, or external factors such as failing to meet success metrics. We discuss how internal signs such as lack of creativity or excitement for the work can also indicate that it's time for a change.Pivoting can be really difficult, as it requires overcoming our natural human desire for stability, and Jill and I discuss how leaders have the added challenge of bringing their teams along through the transition. We remind you that being transparent about the reasons behind the pivot, the expected outcomes and potential challenges, and inviting input from your team can all help ease the process for everyone. Celebrating milestones and small wins along the way is also important to maintain morale.We also highlight how pivots don't have to be monumental shifts; sometimes, it's the "two degree" changes that open up new opportunities. The key, though, is being attuned to all of the signals that are trying to tell you that it's time to make a move, so whether in your career, your organization, or your personal life, the ability to recognize when it's time to pivot can be one of the healthiest and most impactful decisions that you make. The path forward may not be certain, but the alternative of staying stuck is often so much worse!We hope that this episode offers you some great insight! As always, feel free to reach out to us and share your thoughts! We would love to hear from you!Find the full show notes on cuinsight.com.Subscribe on: Apple Podcasts and SpotifyBooks mentioned on The CUInsight Experience podcast: Book List

The Moneywise Radio Show and Podcast Friday, August 8th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Michael George, Safe 1 Credit Union website: www.safe1.org/    

Join Mark at Credit Union Conversation today as we talk to Todd Stauffer, a seasoned relationship manager in the world of credit unions, about his career journey and insights on business lending and financial services. With years of experience working with credit unions and big banks, Todd shares his unique perspective on what drives success in the industry and how relationship managers can build strong business relationships. From discussing the differences between big banks and credit unions to sharing his favorite summer activities, Todd offers a wealth of knowledge and entertaining stories. Tune in for an engaging conversation that explores the world of credit unions and business lending.IN THIS EPISODE:(00:00) Intro: Meet Todd Stauffer(01:34) Todd's early career experience in finance(04:23) Todd discusses the impact of Wells Fargo shutting down its Financial division(06:37) Todd Stauffer's experience working with South Carolina Federal Credit Union.(09:55) Working with big banks vs. credit unions(12:00) Working with credit unions allows access to decision-makers and a personalized approach to serving members(14:08) How to connect with Todd Stauffer and other credit union professionals at MBFSKEY TAKEAWAYS: Credit union culture and values are distinct from big banks, with a focus on serving members and communities. Todd Stauffer shared his experience working with both big banks and credit unions, highlighting the differences in product management, decision-making, and community involvement.Emphasizing business lending expertise within credit unions, relationship managers like Todd play a key role in managing commercial portfolios, supporting local communities, and offering personalized service. This approach stands in contrast to the big bank experience, underlining the advantage credit unions offer in building direct connections and providing tailored loans and financial solutions.Community involvement is essential for credit unions to understand the needs of their members and provide effective solutions. Todd Stauffer's work with credit unions and his involvement in local communities highlight the importance of building relationships and trust with members and community leaders.RESOURCE LINKSMark Ritter - WebsiteMark Ritter - LinkedInTodd Stauffer - LinkedInKEYWORDS: Credit Union, MBFS, Todd, Stauffer, Lending, Business, Loans, Relationship, Manager, Credit Unions, Business Lending, Community Involvement, Financial Services, Member Service, Pittsburgh, Community, Members, Finance, Portfolio, Commercial

Glen gets the lowdown from Finovate's Greg Palmer on what to expect at September's New York City demo-fest, including a dedicated credit union track. Also- unanswered questions in the President's de-banking Executive Order, and a showdown regarding BNPL's role in credit reporting.        Links related to this episode:   Finovate Fall, September 8-10 in NYC: https://informaconnect.com/finovatefall/ ***Use Code BIG20 for a 20% registration discount***  Fox Business' take on the sudden twist in BNPL credit reporting: https://www.foxbusiness.com/economy/some-buy-now-pay-later-lenders-holding-back-customer-payment-data-from-credit-bureaus  The President's Executive Order (EO) on “de-banking”: https://www.whitehouse.gov/fact-sheets/2025/08/fact-sheet-president-donald-j-trump-guarantees-fair-banking-for-all-americans/  The Cato Institute's critique of the debanking EO: https://www.cato.org/blog/breaking-down-trumps-debanking-executive-order  The National Law Review adds its two cents: https://natlawreview.com/article/trump-executive-order-attacks-de-banking-practices      A special time for our next CU Town Hall: Mark your calendars for our next Town Hall session- Monday, August 18 at 3:30pm ET/12:30pm PT- streaming live from America's Credit Unions' Strategic Growth Conference. It's free to attend, but advance registration is required. Visit https://www.cutownhall.com/ to request an invitation.    Follow us on LinkedIn:  https://www.linkedin.com/company/best-innovation-group/   https://www.linkedin.com/in/jbfintech/  https://www.linkedin.com/in/glensarvady/

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/INTEREST RATE ENVIRONMENTFed policy uncertainty and tariff impacts Yield curve normalization: -35 to +50 basis points CD composition shift: 13% to 28% of depositsCredit unions adapting to "new normal" Investment portfolios still 6-7% underwater Examiner demands for enhanced stress testing Cost vs. value of regulatory requests

Send us a textBill Bartholomew welcomes Navigant Credit Union President and CEO Kathleen Orovitz for a discussion on the institution's new partnership with Bryant University. Support the show

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/ETAIL CREDIT PERFORMANCE Student loan payment resumption impactMixed economic signals across states24 vs 26 states: unemployment trends Generational differences in borrowing behavior Venmo revolution: 85% of users under 40, $342B in Q1 transfers

Panelists: Vicki Lee Parker High, Executive Director, NC Sustainable Business Council and Susie Shannon, President & CEO, SC Council on Competitiveness

Send us a textYou probably have forgotten about the role of credit unions in the country's marijuana business - estimated to be north of $40 billion.  I know I had. It's been years since we did a show on this topic.But on the show today is Kevin Hart, CEO of Green Check Verified, a business that provides tools to financial institutions that serve the country's many marijuana businesses.As Hart says in the show, narijuana may not be legal in federal law - it is legal in 39 states for medical use and 24 states for personal use - but there is no federal law prohibiting a bank or credit union from providing financial services to a marijuana business.That marijuana business too must operate in full compliance with the laws in its states.How does a credit union successfully navigate this landscape? Also on the show is Megan Bennett, manager MRB compliance at Wright-Patt Credit Union in Ohio.  the 38th biggest credit union in the country with assets around $9 billion. MRB of course is Marijuana Related Businesses.Bennett explains, in detail, how Wright-Patt decided to serve marijuana businesses, how it's working for the institution, and why this is a win-win-win for the state of Ohio, the marijuana businesses and the credit union.How many credit unions serve marijuana businesses in the US? Under 200, probably nearer 150.  But Wright-Patt just may illustrate how it can be done, legally and well.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.comAnd like this podcast on whatever service you use to stream it. That matters.Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

We don't just have money problems—we have money perception problems. In Part 2 of our three-part Money Dysmorphia series with Backbone, I'm joined by Melissa Burleson, a certified financial counselor at Tarrant County's Credit Union, who brings nearly 20 years of wisdom, service, and heart to this conversation. Melissa knows firsthand how money dysmorphia—our distorted view of our financial reality—can sabotage even the smartest budgeter or most determined saver. We talk about how money dysmorphia can swing both ways—from feeling constantly behind despite doing all the right things, to overspending and living beyond your means to project financial success. And Melissa shares powerful personal stories, real-life coaching moments, and practical tools to start shifting from emotional chaos to financial clarity. You'll walk away with: A deeper understanding of the emotional triggers behind overspending and avoidance How generational money beliefs and social media comparison fuel money dysmorphia Why many people tie their self-worth to a credit score—and how to break that cycle How to recognize when emotional thinking is clouding financial decisions What it takes to move from “I'm bad with money” to “I trust myself with money” Keep up with all things Everyone's Talkin' Money by following us on Instagram. If you loved what you heard, rate us 5 stars and like and follow us on your favorite podcast app! Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

Want to learn how credit unions thrive through collaboration? Curious about leading a low-income designated institution? In this episode of Credit Union Conversations, host Mark Ritter sits down with Andy Jaeger, CEO of Credit Union of New Jersey, for an insightful 1-on-1 conversation. From his unexpected start in the credit union industry to driving financial wellness and youth engagement through initiatives like the Greenlight debit card, Jaeger shares his journey and vision. Discover strategies for succession planning, fostering emerging leaders, and supporting small credit unions to ensure a vibrant future for the industry.IN THIS EPISODE:(00:00) Intro: meet Andy Jeager(02:55) Andy Jaeger shares his origin story into the credit union space(09:05) A low-income designated credit union with $475 million in assets, focusing on members (15:02) Fostering credit union philosophy by indoctrinating new employees to maintain industry spirit(19:31) Succession planning strategies, training emerging leaders and identifying talent gaps(24:21) Small credit unions should collaborate and partner to overcome economic challenges (29:16) Credit Union of New Jersey's priorities: financial wellness, youth engagement via Greenlight debit cardKEY TAKEAWAYS:Collaboration is vital for the credit union industry's future. Andy Jaeger emphasizes partnerships, like those with business lending CUSOs, to help small credit unions deliver services cost-effectively while maintaining their identity.Succession planning is critical to sustain the credit union's philosophy. Jaeger advocates for identifying and training emerging leaders through regional programs and networking to preserve the industry's mission.Financial wellness and youth engagement are priorities for Credit Union of New Jersey. Initiatives like the Greenlight debit card aim to attract younger members and promote long-term member services and community impact.RESOURCE LINKSMark Ritter - WebsiteMark Ritter - LinkedInCredit Union of New Jersey - WebsiteAndy Jaeger - LinkedInBIOGRAPHY:Andy is the longtime CEO of Credit Union of New Jersey. Andy is an accomplished credit union executive and is a former chair of the New Jersey Credit Union League.KEYWORDS: Credit Union, Collaboration, Succession Planning, Member Services, Financial Wellness, Low Income, Community Impact, Youth Engagement, Greenlight Debit, Credit Union Philosophy, Board Training, Emerging Leaders, Small Credit Unions, Member Business Financial Services, Business Lending CUSO, Greenlight debit card

Glen connects with Early Warning's Chief Partnerships Officer Eric Hoffman about the latest progress of Paze's digital wallet, and Payfinia GM Keith Riddle on his firm's deal to bring Paze to credit unions. Also- yet another twist in the open banking road, and hints of momentum for de novo institutions.     Links related to this episode:   Paze:  https://www.paze.com/ Payfinia: https://tyfone.com/payfinia/  Our interview with Paze's Head of Operations Catherine Murchie at Money 20/20 last October: https://www.big-fintech.com/onboarding-and-offboarding-at-money-20-20/  Planet Money's episode on Fortuna Bank's de novo journey: https://www.npr.org/2025/03/07/1236538076/new-bank-startup-regulations-entrepreneur  Our recent conversation with the CU De Novo Collective's Denise Wymore: https://www.big-fintech.com/starting-simple-small-and-with-purpose/  Payments Dive on the CFPB's plan to “substantially rework” its Open Banking rule: https://www.paymentsdive.com/news/open-banking-consumer-financial-protection-bureau-financial-payments-data-fintechs-Trump/756212/  Fintech Business Weekly on Chase's plan to charge for open banking data: https://fintechbusinessweekly.substack.com/p/chase-strikes-first-with-open-banking  Fintech South August 19-20 in Atlanta: https://www.fintechsouth.com/ USE CODE BIGCAST25 FOR A REGISTRATION DISCOUNT   A special time for our next CU Town Hall: Mark your calendars for our next Town Hall session- Monday, August 18 at 3:30pm ET/12:30pm PT- streaming live from America's Credit Unions' Strategic Growth Conference. It's free to attend, but advance registration is required. Visit https://www.cutownhall.com/ to request an invitation.    Follow us on LinkedIn:  https://www.linkedin.com/company/best-innovation-group/   https://www.linkedin.com/in/jbfintech/  https://www.linkedin.com/in/glensarvady/

In this C.U. On the Show episode, host Doug English digs into the real-world mechanics of AI adoption with Credit Union One's Todd Gunderson and nCino's Nicole Haverly. You'll hear why “member experience is the new rate,” how automation frees humans for deeper advice, and the simple question that jump-started a credit-union-wide transformation.Check out the ACT Advisors Blog for a written summary of this episode!Want to learn more about Doug English and ACT Advisors? Visit Home - ACT Advisors®Email doug@act-advisors.com if you have an idea for a future guest or topic.

“No matter how much success you achieve, you won't feel like you're enough if you aren't fulfilled in the success you have.” – Jill NowackiWelcome to episode 215 of The CUInsight Experience podcast with your hosts, Randy Smith, co-founder of CUInsight.com, and Jill Nowacki, President and CEO of Humanidei.This episode is sponsored by The Sheeter Group - a leading executive benefits firm that meets your retention and succession needs. This includes non-qualified benefit plans, short and long-term incentive plans, compensation studies, scorecard design, performance evaluation, and more. Learn more at sheetergroup.com.In this season, Jill and I will have conversations centered around leadership, credit unions, and living our best lives. We will have some of the most respected leaders from around credit unions who we are grateful to call friends join us in the discussion from time to time too.In this episode, we are doing something a little bit out of the ordinary because we don't have a guest - it's just the two of us, but this is an incredibly important topic that will probably ring familiar to many of you. What does it mean to redefine success on our own terms and be enough? We discuss how our definitions of success have changed over time, moving away from external measures like titles, growth, and numbers and instead focusing on internal fulfillment and joy.We share how comparison can be the "thief of joy” and highlight the importance of self-reflection to truly understand what success means to you as an individual. We provide some insights into tools such as the "Wheel of Life" which can help leaders assess different areas of their lives and identify where they may feel a sense of imbalance or lack of fulfillment.Beyond the resume, we also highlight unique "off the resume" wins that speak to our values and the way we choose to lead our lives, discussing what it looks like to lead from a place of "enough" - recognizing that there actually is no one-size-fits-all definition of success and that true resilience and growth come from a place of self-acceptance as well as self-improvement!We hope that this episode offers you some practical tips, such as identifying personal rituals that help ground and center you when you're feeling off-balance. As always, feel free to reach out to us and share your thoughts! We would love to hear from you!Find the full show notes on cuinsight.com.Subscribe on: Apple Podcasts and SpotifyBooks mentioned on The CUInsight Experience podcast: Book ListPrevious episode mentioned: #4

In this episode of The Fintech Combine, host Kris Kovac sits down with Steve Soukup, CEO of DefenseStorm, to discuss how the company protects credit unions and community banks from evolving cyber threats. They explore risk management, fraud prevention, AI‑powered threat detection, and why trust is the foundation of effective cybersecurity in the financial sector.Follow the Pod:https://twitter.com/fintechcombineFollow Kris Kovacs:https://twitter.com/ManagementByteshttps://www.linkedin.com/in/kriskovacs/https://www.instagram.com/kriskovacs/The Fintech Combine is Produced and Edited by Anson Beckler-JonesFollow Anson Beckler-JonesInstagram - @ansonandcoYoutube - @ansonandco

Send us a textWhat exactly does a credit union's chief strategy officer do?  On the show today is Bill Snider, the Chief Strategy & Innovation Officer at Clearview Federal Credit Union, a credit union with around $2 billion in assets that serves 10 counties around Pittsburgh.Longtime listeners will recall that I have expressed skepticism about strategies at many credit unions, also their commitment to innovation.Snider is here to show that in fact a credit union indeed can have a genuine strategy and be innovative and, importantly, these abilities are essentials for Clearview which - by virtue of its location - has to compete with PNC, a Pittsburgh local bank that also has assets of about $555 billion and is in fact the seventh largest bank in the US. But Pittsburgh is its home and definitely plays on the local angle.The show is wide ranging - we talk about AI, mobile apps, and also community service and feeding the hungry.But all of that is in the innovative stew that a chief strategy officer has to deal with today.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.comAnd like this podcast on whatever service you use to stream it. That matters.Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Glen connects with TTV Capital Partner Sean Banks and Technology Association of Georgia CEO Larry Williams to unpack the state of fintech venture capital investment, Georgia's role in the global ecosystem and the upcoming Fintech South conference. Also, Illuma Founder/CEO Milind Borkar responds to Sam Altman's warning flare than voice authentication has been “defeated.”     Links related to this episode:   TTV Capital: https://ttvcapital.com/   Fintech South, August 19-20 in Atlanta; Use code BIGCast25 for a registration discount: https://www.fintechsouth.com/  Illuma's response to Sam Altman's statement that AI has “defeated” voice authentication: https://illuma.cx/article/ai-growing-threat-to-digital-channels/  Axios' coverage of Altman's comments at a Federal Reserve event: https://www.axios.com/2025/07/22/openai-chatgpt-sam-altman-ai-fraud Our 2025 Fintech Predictions BIGgo Card: https://bingobaker.com/#67a12342928998c6  Glen's recent blog on Real Time/Same Day payment volumes midway through 2025: https://www.big-fintech.com/real-time-payments-rapid-ascent-continues-with-some-odd-footnotes/   A special time for our next CU Town Hall: Mark your calendars for our next Town Hall session- Monday, August 18 at 3:30pm ET/12:30pm PT- streaming live from America's Credit Unions' Strategic Growth Conference with a special fast-paced format. It's free to attend, but advance registration is required. Visit https://www.cutownhall.com/ to request an invitation.    Join us on Bluesky!  @bigfintech.bsky.social;  @154advisors.bsky.social (Glen); @jbfintech.bsky.social (John) And connect on LinkedIn for insights like the Friday Fintech Five: https://www.linkedin.com/company/best-innovation-group/  https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/

Credit union legal expert Henry Meier, Esq. brings us inside the possible ramifications to credit unions from recent Supreme Court rulings. Also, it's game time once again, as Michael introduces Natasha and Producer Zach to Five Second Guess.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/NCUA in Limbo: What the Board Shakeup Means for Credit UnionsEpisode Date: July 28, 2025 Host: Mark Treichel Episode SummaryThe NCUA board is in complete chaos following President Trump's firing of board members Todd Harper and Tanya Otsuka, their court-ordered reinstatement, and subsequent legal stay. Mark breaks down the dramatic week of legal battles, analyzes what happened during last Thursday's awkward board meeting, and predicts the 80% chance Harper and Otsuka won't return permanently.Key Topics CoveredThe Legal Drama TimelineTrump's firing of Harper and OtsukaFederal court ruling that Trump violated the Federal Credit Union ActWednesday court decision ordering immediate reinstatementWeekend stay blocking their returnLikely Supreme Court appeal aheadLast Thursday's Board Meeting AnalysisHarper and Otsuka's awkward return (Harper via video, Otsuka in person)Three "safe" briefings: AI, CLF, and the new Ombudsman officeThe "500-pound elephant in the room" that everyone avoidedWhy staff is in an impossible positionWhat's Next for the Board80% odds Harper and Otsuka don't return permanentlyKyle Huffman's term expires next monthPossibility of Trump appointing 2-3 new board members before year-endImpact of onboarding multiple new board members simultaneouslyInspector General Report BombshellCritical Infrastructure Division Director scandal exposedFalse statements on background investigationsSending sensitive NCUA documents to personal emailUnauthorized outside employment while at NCUAPossible connection to unauthorized AI usageBudget ImplicationsTwo-year budget cycle hanging in limboNo mid-year budget briefing despite historical precedentHow a Republican board majority might cut costs to credit unionsAugust board meeting hiatus continues traditionNotable Quotes"The 500 pound elephant in the room relative to the whole issue, all three sides avoided.""I would say 80% chance that they do not come back and that the places will be filled before the end of the year.""The professionalism of staff is well above average. And while they're going through all these things, it's chaotic."Upcoming ContentMark announces the OCC Risk Report series - breaking down his longer three-person discussion with Dennis, Steve, and Todd into shorter Thursday episodes throughout the summer. These will explore OCC findings and their implications for credit union examinations.

We sat down with Elizabeth Eurgubian, former NCUA Board Member, to explore the current state of the National Credit Union Administration and what it means for the financial services industry. The NCUA is structured to operate with a bipartisan, three-member board--with members appointed by the President and confirmed by the Senate. Since the election, the NCUA Board has been functioning with fewer than three members, raising important questions about oversight, governance, and decision-making. This episode will examine the practical and policy implications for the financial services industry when the NCUA Board is not fully staffed, and whether this could lead to an environment of more centralized regulators. We will also discuss the difference in regulatory conduct between Credit Unions and Banks and the recent hot topic of tax-exempt status for CUs.Send us a textPresented by Remedy ConsultingTechnology Contract Negotiation & System Assessments, T&C Improvements, and FI Strategic Planning.For more information on BankTalk:BankTalk WebsiteSubscribe to BankTalk NewsRemedy Consulting WebsiteRemedy LinkedInTo speak on the BankTalk Podcast, please email us.

Micky Walsh, Eddie Scally, Pat Hoban and Aidan Fogarty on the St Canice's Credit Union Kilkenny Senior League, they were part of our special preview show on KCLR thanks to St Cancie's Credit Union. As well as that Kilkenny Chairman PJ Kenny talks about the scoreboard, new facilities, the importance of the clubs, and Michael Fennelly's departure.Plus, Conor "Horse" Lawlor talks about the Carlow Senior Hurling Championship. 

We're becoming more worried about our household finances. Data from the Irish League of Credit Unions shows consumer confidence dipped in July, with rising food prices and suggestions there won't be cost-of-living supports in the next budget both feeding into the drop. Overall, 37 per cent of consumers say the cost-of-living is their main worry. It comes as Flogas announced ahead of the weekend that it's increasing its prices for residential electricity customers by 7%. For more on this, Derrick Lynch was joined by Louis Faye, St Frances Credit Union, Ennis.

“The warm and fuzzy stuff actually creates a lot more value than a slight discount on a rate percentage.” - Josh DeTar Thank you for tuning in to The CUInsight Network, with your host, Robbie Young, Vice President of Strategic Growth at CUInsight. In The CUInsight Network, we take a deeper dive with the thought leaders who support the credit union community. We discuss issues and challenges facing credit unions and identify best practices to learn and grow together.My guest on today's show is Josh DeTar, Executive Vice President of Evangelism at Tyfone, Inc., a digital banking provider for credit unions. Josh shares his personal journey of how a credit union saved him as a young adult, sparking his passion for the industry.In our conversation, Josh highlights the importance of credit unions balancing digital self-service with meaningful human connections. His passion for the credit union industry is shaped by his own experience and the inspiring leadership of Tyfone's CEO, Siva G. Narendra. Josh advocates for credit unions to embrace their unique strengths - community ties, member-centric culture, and the "warm and fuzzy" aspects that larger banks can't usually replicate.As wrap up, Josh talks about the great leaders in his life, recommends the book Hiring for Attitude, and shares that one big goal of his is to take his kids to Disneyland! Enjoy my conversation with Josh DeTar! Find the full show notes on cuinsight.com.Connect with Josh:Josh DeTar, Executive Vice President of Evangelism at Tyfonetyfone.com Josh: LinkedinTyfone: Linkedin | Facebook | Instagram | YouTube | Spotify (Digital Banking Podcast) | XPrevious guests mentioned in this episode: Siva G. Narendra (episode 100)

In this episode, Hal Horvat, President & CEO of Centreville Bank ($3 billion mutual savings bank in Rhode Island), joins Vin, Zach and DCG colleague Justin Bakst. The foursome delves into why Hal never intended to have a career in banking, relationship-focused loan and deposit growth, making a nearly 200-year-old bank an "employer of choice," and how Centerville successfully partnered with professional soccer team Rhode Island Football Club.For more insights and ideas, visit DCG at DarlingConsulting.com or follow us on LinkedIn.

Improving pricing transparency ..and giving the Injuries Resolution Board more powers..are among the measures. To discuss this Robert Troy, Minister of State for Financial Services, Credit Unions and Insurance.

Send us a textCould shared services be the cure that puts a halt to the epidemic of mergers among credit unions?Could shared services help credit unions increase their efficiencies and dramatically lower their costs so that they can better compete against big banks and fintechs?On the show today are Vin Anand, CEO of Member Support Services (MSS), and an evangelist for shared support services at credit unions.To spread this word Anand has brought in Gene Foley, former CEO of Harvard University Employees Credit Union, Kirk Kordeleski, former CEO of Bethpage Federal Credit Union, and Erin Coleman, SVP of Industry Impact at Callahan & Associates.  They are the new MSS Advisory Board  with the mission of providing strategic guidance,Today Foley joins Anand on the show and they are here to explain how shared services can in fact enable credit union independence. That may sound per se self contradictory but it isn't and on the show you'll hear how shared services just may be the lifeline a lot of credit unions are looking to grasp.For more on shared services and credit union independence there's another show in the library with Anand.  To hear the show with Jim Blaine that Foley discusses, click here.  Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.comAnd like this podcast on whatever service you use to stream it. That matters.Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

As we await the next Fed Open Market Committee readout, Glen speaks with CD Valet's Mary Grace Roske about deposit rate trends that aren't as straightforward as one might expect. Also- stablecoins are officially GENIUS, CBDCs are still the Antichrist, and the big money keeps flowing into real time payments.   Links related to this episode:   CD Valet: https://www.cdvalet.com/  Glen's blog assessing the midyear state of RTP, FedNow and Same Day ACH: https://www.big-fintech.com/real-time-payments-rapid-ascent-continues-with-some-odd-footnotes/ Ledger Insights' take on the Anti-CBDC Surveillance Act: https://www.ledgerinsights.com/anti-cbdc-surveillance-act-shouldnt-prevent-wholesale-cbdc-tokenized-reserves/   Our data-rich January interview with Bancography: https://www.big-fintech.com/without-data-its-all-just-vibes/  Finovate, September 8-10 in NYC:  https://informaconnect.com/finovatefall/    Check out https://www.bigmerger.ai/ for details on how BIG has turbocharged its 20 years of credit union M&A experience with an AI-assisted framework that delivers successful conversions with remarkable speed, full data privacy and zero member downtime. Read about how BIG enabled the UCCU/TransWest core system merger in just 5 months. Join us on Bluesky!  @bigfintech.bsky.social;  @154advisors.bsky.social (Glen); @jbfintech.bsky.social (John) And connect on LinkedIn for insights like the Friday Fintech Five: https://www.linkedin.com/company/best-innovation-group/  https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/

Join D.O. as he sits down with Peter Benjamin, President of ACUMA and one of the top experts in credit union mortgage lending. Dive deep into what sets credit unions apart in the mortgage world, why they're great places to work, and the challenges and opportunities they face in today's market.

Send us a textWhat's in your credit union's name?Shakespeare told us a rose by any other name would smell as sweet.But credit union leaders are busy renaming their institutions, often for solid, fundamental reasons.How to do this right is the topic of this Greatest Hits #28 where Phil Davis from branding company Tungsten tells the how to of smart renaming.Listen up.

In this episode of the Big Skip Energy podcast, Skip welcomes Felisha Junge, an LO with over 20 years of experience. Felicia shares insights on her longstanding career at Green State Credit Union in Cedar Rapids, Iowa, where they are consistently hitting over $100 million annually. She discusses the importance of consistency, building trust with realtor partners, and the advantages of in-house loan products. Felisha also tells some secrets about her social media strategy, the value of personalized customer service, and her unique background, including her German heritage.

In this episode of the Believe in Banking podcast, Gina Bleedorn and Juliet D'Ambrosio welcome on Courtney Coss, Chief Retail Officer at the Credit Union of Texas (CUTX), for an insightful conversation on building culture and community through innovative, future-focused retail delivery. Drawing on her 25-year journey from teller to top leadership, Courtney shares how CUTX has transformed their branch network – from ITM-only drive-ups to community spaces and coffee shops to dog parks – all grounded in their core mission of people helping people. Their dynamic discussion explores CUTX's bold branching strategy, commitment to underserved markets, focus on the future through youth engagement, and authentic approach to culture-building that fosters employee engagement and meaningful member connections. It's a masterclass on leading with purpose and passion and how to evolve the branch for a new era. This podcast is hosted by ZenCast.fm

In this episode, Meredith Olmstead and Sophie Bawany tackle common myths about using Instagram for banks and credit unions. From replying to comments to using hashtags wisely, they share what actually works to boost engagement without burning out your team.Key Takeaways:Replying Still Matters:  Responding to comments and direct messages can increase reach by up to 35 percent. Even quick replies help build trust and loyalty.Focus on Quality Over Quantity:  Posting two or three strong, shareable posts each week works better than daily filler content. Captions over 150 words are also seeing higher saves.Small Can Win: Micro-influencers and smaller, engaged followings can deliver better results than huge but passive audiences. Relevance beats reach every time.

Glen unpacks key provisions of the recent US tax/spending bill with help from his expert friends: the Defense Credit Union Council's Jason Stverak on $1,000 newborn accounts, and credit union lifer Lou Grilli on the “no tax on tips” details. Also- has Big Tech determined that regulation isn't so bad after all?    Links related to this episode:   The DCUC's call for the US Treasury to include credit unions in the newborn account rollout:  https://www.dcuc.org/news/dcuc-to-treasury-include-credit-unions-in-trump-accounts-rollout-for-newborns  Bloomberg's coverage of JPM Chase's plan to charge for open banking data: https://www.bloomberg.com/news/articles/2025-07-11/jpmorgan-tells-fintechs-they-have-to-pay-up-for-customer-data?embedded-checkout=true  The Wall Street Journal on tech firms' desire for federal AI regulation, and why it's unlikely by 2026:  https://www.wsj.com/articles/after-setback-tech-firms-renew-push-for-federal-ai-regulation-cc2b26d5  Labor/Employment law firm Littler's take on the “No Tax on Tips” provision: https://www.littler.com/news-analysis/asap/what-employers-need-know-about-no-tax-tips-and-no-tax-overtime   Today's newborns are tomorrow's youth bankers; for more on that topic, check out our recent CU Town Hall featuring Marcell King, CEO of Incent: https://www.youtube.com/watch?v=5GkfKtp26Xw  The Defense Credit Union Council: https://www.dcuc.org/  World Credit Union Conference: https://www.woccu.org/#trendingnow    Check out https://www.bigmerger.ai/ for details on how BIG has turbocharged its 20 years of credit union M&A experience with an AI-assisted framework that delivers successful conversions with remarkable speed, full data privacy and zero member downtime. Read about how BIG enabled the UCCU/TransWest core system merger in just 5 months. Join us on Bluesky!  @bigfintech.bsky.social;  @154advisors.bsky.social (Glen); @jbfintech.bsky.social (John) And connect on LinkedIn for insights like the Friday Fintech Five: https://www.linkedin.com/company/best-innovation-group/  https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Credit Union Roundtable: Mid-Year Risk Reports - Our Take on What it Means for CUsEpisode DescriptionIn this inaugural Credit Union Roundtable episode, host Mark Treichel is joined by three industry veterans to break down the OCC's Spring 2025 risk report and what it means for credit unions. Steve Farrar, Todd Miller, and Dennis Bauer bring decades of combined NCUA and credit union experience to analyze the top risk concerns facing the industry.Featured GuestsSteve Farrar - Former NCUA examiner and problem case officer with 30+ years of regulatory experience, including work on the risk-based capital rule and Central Liquidity FacilityTodd Miller - 34-year NCUA veteran, former Director of Special Actions in the Western Region, capital markets specialistDennis Bauer - Recently retired CFO of Ideal Credit Union (grew from $100M to $1B+ during his tenure), former NCUA examinerKey Topics CoveredCommercial Credit Risk (9:00)Rising delinquencies in commercial real estateImpact of interest rate resets on variable rate loansOffice building vacancy concerns post-COVIDNCUA's increased focus on annual review processesNew concentration limit requirements by property typeRetail Credit Performance (18:00)Student loan payment resumption impactsGenerational differences in borrowing behaviorAuto loan portfolio shrinkage trendsRegional economic performance variationsInterest Rate Environment (24:00)Yield curve normalization effectsCD composition changes (13% to 28% of deposits)Underwater investment portfoliosEnhanced stress testing requirements from examinersOperational Risk Challenges (33:00)Cybersecurity incident response planningLegacy system conversion risksCommunication strategies during cyber incidentsCost vs. benefit analysis for security upgradesFraud & Payment Systems (39:00)Elder fraud targeting (timeshare scams example)ATM jackpotting and skimming schemesVenmo usage statistics (85% under 40, $342B in Q1 transfers)Third-party payment system competitionBSA/AML Compliance Burden (45:00)Staffing challenges for smaller credit unionsCreating collaborative BSA officesCommittee-based approach to complianceGrowth & Competition (46:00)Slow loan growth trendsCredit unions gaining deposit market share vs. banksMoney supply impacts on deposit availabilityPricing strategy considerationsAI & Technology Adoption (50:00)Model validation requirementsThird-party vendor risk managementNCUA's AI policy challengesCompetitive advantages vs. compliance risksKey TakeawaysCommercial Real Estate Monitoring: Credit unions should closely watch their CRE portfolios, especially office properties and loans approaching rate resetsStress Testing Expansion: Expect more detailed scenario analysis requests from NCUA examiners across interest rate and liquidity risksOperational Risk Investment: Cybersecurity and system conversion planning require significant ongoing investment and expertiseGenerational Shifts: Adapting to younger members' payment preferences and borrowing behaviors is critical for long-term growthAI Adoption Strategy: Credit unions need to embrace AI while implementing proper model validation and risk management frameworksResources MentionedOCC Spring 2025 Risk Report (link in show notes)Credit Union Regulatory Guidance podcast (AI-powered audio summaries)Attorney General scam awareness resourcesNotable Quotes"A rolling loan gathers no loss" - Professor Willie Stotts reference on commercial loan repricing challenges"We took the approach that we're gonna have a cyber incident... so we took that approach in developing our incident response plan" - Dennis Bauer on cybersecurity preparation"If you don't have time to do it right, you don't have time to do it over" - On system conversion planningContact InformationMark Treichel - Host, With Flying Colors Podcast Consulting Services: Available for credit union risk management and regulatory guidanceNext Episode PreviewStay tuned for more Credit Union Roundtable discussions featuring industry veterans sharing practical insights on regulatory trends and risk management strategies.This episode provides general information and should not be considered specific regulatory or legal advice. Credit unions should consult with their own advisors and regulatory contacts for guidance on specific situations.

Most people have a checking account with a traditional bank, while a majority of those also have savings accounts. But what about credit unions? Should some people use those rather than traditional banks? What are the benefits? To answer those questions, in this episode of the podcast I talk with Grant Gallagher of Affinity Federal Credit Union about the benefits of credit unions and why you should consider putting your money there. In this episode you will learn: - What credit unions offer that you can't find at other banks - Some of the unique financial and community offerings credit unions can provide - Financial tools and resources credit unions create that address the real needs of their communities - The role education plays in a credit union's approach to financial wellbeing

Though the work of the Federal Reserve's Faster Payments Task Force took up a good portion of the last decade, its efforts to speed the rails of payments in the U.S. are just starting to bear some exciting fruit. Keith Riddle, General Manager of Payfinia and its CUSO structure, explains the fine points of payment efficiency, how consumers will benefit on so many levels--and why credit unions will want to capitalize on the latest payments technology as a way to deliver on their positive promise.

"We're looking for ways to make an impact for credit unions of all sizes.” - Nick BrownThank you for tuning in to The CUInsight Network, with your host, Robbie Young, Vice President of Strategic Growth at CUInsight. In The CUInsight Network, we take a deeper dive with the thought leaders who support the credit union community. We discuss issues and challenges facing credit unions and identify best practices to learn and grow together.My guest on today's show is Nick Brown, Senior Trainer & President/CEO at SalesCU, which has the honorable distinction of being named the Top Sales Training Company for two years in a row! Nick joins me to share his journey into the credit union industry and how he found his passion for sales and coaching, explaining how SalesCU helps credit unions move from a reactive, order-taking service approach to a proactive sales culture that adds real value for members.In our conversation, Nick covers the four essential elements SalesCU focuses on to build an effective sales culture and highlights the importance of leaders becoming effective coaches who observe, plan, develop, and hold their teams accountable in a positive way. He also shares his vision for the future, focusing on making SalesCU's programs accessible to credit unions of all sizes to help them deliver the value their members deserve.Nick reflects on his own life-saving experience at a Children's Miracle Network hospital as a child, sharing how SalesCU is donating a portion of its earnings to support Credit Unions for Kids.As we wrap up the episode, Nick reveals what about his childhood soccer coach inspired him, what cities he would most like to visit, and what book he believes everyone should read. Enjoy my conversation with Nick Brown!Find the full show notes on cuinsight.com.Connect with Nick:Nick Brown, Senior Trainer & President/C.E.O. at SalesCUsalescu.com Nick: LinkedInSalesCU: LinkedInBook mentioned: The Gap and the Gain by Dan Sullivan & Dr. Benjamin Hardy

Dr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she is joined by Jeff Chisum, a seasoned Loan Officer who is dedicated to helping families build their financial legacy through real estate. The conversation explores topics such as the common mistakes and misconceptions clients make when purchasing a property.Key Takeaways:Opportunities and interest rates are both temporary.Education is essential to create opportunities.Credit Unions offer lower rates.Timestamps:  00:01:10 why she's talking about short-term rentals 00:02:44 what “passive income” really looks like 00:04:00 the difference between emotional and strategic investing 00:05:35 red flags when evaluating real estate deals 00:07:20 what she learned from coaching clients with regrets 00:09:55 the importance of asking “what problem is this solving?” 00:12:30 the pressure to copy others' money moves 00:14:05 what people misunderstand about wealth and freedom 00:16:22 why buying real estate isn't always smart 00:18:10 how to check your motives and long-term vision 00:21:40 tools and questions to assess financial decisionsConnect with Jeff Chisum:

In Episode 203 of the Transition Drill Podcast, what would you do if the career you built by age 30 ended overnight? For Ken Bator, a corporate firing became the start of something far greater than a title or paycheck. Raised in a working-class Chicago suburb by a teacher and a railroad employee, Ken learned early the value of hard work, humility, and discipline. But like many, his first career steps in finance collided with a recession. He briefly considered firefighting, passed the physical tests, but ultimately realized he was not built to take orders without question. That realization would become the foundation for his entrepreneurial career.In this episode, Ken opens up about the personal and professional journey that led him to launch his own consulting firm and co-found the Police Officers Credit Union Association. He shares the early lessons from growing up in Catholic school, the pivotal moment he faced a fear of heights, and how being fired became his greatest professional catalyst.Ken also reveals how podcasting became a platform to serve, not just promote. He breaks down his “Soundness Initiative,” a framework built around physical, emotional, professional, and financial well-being that speaks directly to the challenges faced by military veterans and first responders.This is a story about starting over with purpose, turning failure into fuel, and using your voice to make an impact.Don't miss an episode. Follow the Transition Drill Podcast and share with someone who needs to hear it.The best podcast for military veterans, police officers, firefighters, and first responders preparing for veteran transition and life after service. Helping you plan and implement strategies to prepare for your transition into civilian life.Follow the show and share it with another veteran or first responder who would enjoy this.CONNECT WITH THE PODCAST:Instagram: WEBSITE:LinkedIn: SIGN-UP FOR THE NEWSLETTER:QUESTIONS OR COMMENTS:SPONSORS:Brothers & Arms USAGet 20% off your purchaseLink: https://brothersandarms.comPromo Code: Transition20Trident CoffeeGet 15% off your purchaseLink: https://tridentcoffee.comPromo Code: TDP15GRND CollectiveGet 15% off your purchaseLink: https://thegrndcollective.com/Promo Code: TRANSITION15