Podcasts about mbfs

What does it really take to grow a business lending CUSO in 2026? Mark Ritter and Jeff Lyons pull back the curtain on eight years of organizational evolution, honest reflections on artificial intelligence, and where credit union technology is finally delivering results. From Microsoft Copilot upgrades that went from frustrating to impressive, to AI-assisted hiring wins, to the unfiltered reality of conference networking, this conversation is refreshingly direct. If you work in fintech or credit unions and want a perspective grounded in real experience rather than buzzwords, this episode is for you.What You Will Learn in This Episode: ✅ How credit union technology like Microsoft Copilot and ChatGPT has evolved from clunky early tools into genuinely useful platforms for business efficiency inside a growing CUSO.✅ Why a thoughtful approach to AI adoption paid off for MBFS, including a real example of how updated job descriptions powered by AI led directly to a successful hire.✅ How portfolio management practices and internal team development have transformed credit union growth at MBFS over eight years of organizational change.✅ What conference networking looks like today compared to 20 years ago, and why showing up at trade shows is now more about relationships than closing deals on the floor.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Jeff Lyons reflects on eight years of credit union growth and his evolving COO role05:14 History of artificial intelligence, from Clippy to ChatGPT and credit union technology09:44 Honest take on Microsoft Copilot, AI adoption struggles, and real business efficiency gains14:21 How AI adoption improved hiring via smarter job descriptions and operational efficiency16:16 The changing reality of conference networking, trade show etiquette, breakfast buffets, and industry trends observations21:52 Wrapping up favorite conferences and final thoughts on AI adoption in credit union growthKEY TAKEAWAYS:

Credit union strategy takes center stage as Mark Ritter welcomes industry veteran Jay Murray to Credit Union Conversations. From teller to CEO, Jay's path through corporate credit union leadership shaped decades of collaboration within the credit union sector. He reflects on the financial crisis, regulatory gaps, and how shared services helped small institutions survive and scale. Jay also unpacks the importance of succession planning and why the cooperative model remains vital. His long-tail insight: Credit union succession planning strategies are essential for institutions that want to outlast their current leadership.What You Will Learn in This Episode: ✅ How credit union strategy evolves over decades, and why leaders who embrace credit union collaboration and shared services consistently outperform those who go it alone.✅ What the corporate financial crisis revealed about regulatory oversight and why understanding credit union history prepares today's leaders for tomorrow's risks.✅ Why succession planning at both the CEO and board level is the difference between an institution that thrives beyond its founder and one that quietly disappears.✅ How the cooperative model and financial literacy initiatives can position credit unions as indispensable community anchors in an increasingly corporate financial landscape.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Jay Murray's origin story: from forestry dreams to credit union leadership and becoming a teller at a family savings and loan03:16 The early days of corporate credit union outreach, visiting 1,150 Pennsylvania credit unions 05:34 How Mid-Atlantic Corporate grew through mergers and rebranded as VIZO08:55 The financial crisis: what regulatory oversight missed and what the NCUA ultimately did 15:33 Building credit union collaboration through myCUservices and RKGO BIG19:57 Succession planning and forward-thinking board governance determine whether a credit union survives KEY TAKEAWAYS:

Is your credit union ready for what is happening in mortgage banking right now? In this episode of Credit Union Conversations, host Mark Ritter sits down with John Giordano of First Heritage Mortgage Services to break down the real state of mortgage rates, housing inventory, and home affordability in 2026. With over 1,800 active pre-approvals on the books and portfolio loans gaining ground, John reveals why this moment is one of the greatest opportunities credit unions have seen in years and what it takes to seize it.What You Will Learn in This Episode: ✅ Why today's mortgage rates and tight sale margins are pushing credit unions toward portfolio loans as a smarter, more profitable lending strategy than traditional secondary market selling.✅ How the housing market has become deeply regionalized across nine distinct U.S. regions, and what that means for loan production and mortgage banking strategy at the local level.✅ What role mortgage technology and faster loan origination timelines are playing in helping credit unions compete with large national lenders like Rocket Mortgage and Wells Fargo.✅ Why housing supply shortages and builder deregulation discussions from Washington could reshape home affordability and home buying demand for credit union members in the years ahead.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 John shares his background at First Heritage and how its services are unique04:15 John's perspective on why today's mortgage banking environment is unlike any prior cycle09:24 How the U.S. housing market has split into nine distinct regional quadrants affecting home buying and loan production15:35 The strategic shift: why credit unions are choosing portfolio loans over secondary market sales to protect margins20:30 Record pre-approvals signal strong demand, but housing supply and new construction shortfalls remain critical barriers26:10 Millennials reversing course from urban living reveals new home affordability and real estate trends KEY TAKEAWAYS:

What does it take to build a thriving credit union business lending program in today's market? Mark Ritter sits down with Joe Hyatt of DFTC to unpack decades of experience in commercial lending, loan underwriting, and portfolio diversity. From navigating NCUA compliance to chasing treasury management goals, they share candid insights on what credit unions are doing right and where they still fall short. If you work in business lending, this conversation will hit close to home.What You Will Learn in This Episode: ✅ How credit union business lending has shifted from a rigid, prescriptive regulatory framework to a more flexible, opportunity-driven environment, and what that means for your program today.✅ Why strong credit administration, consistent independent loan review, and thorough annual reviews are the foundation of surviving and succeeding in an NCUA compliance examination.✅ How portfolio diversity, including a move toward C and I lending, small business lending, and treasury management, is reshaping how credit unions approach growth and member relationships.✅ Why credit union technology and emerging AI tools are no longer optional, and how embracing innovation will determine which programs lead and which get left behind.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Joe Hyatt details DFTC's loan underwriting, training, and independent loan review services built for credit unions nationwide04:25 Reflecting on the early days of member business lending and the evolution of talent, tools, and portfolio limits 08:39 Joe outlines keys to NCUA compliance: strong policies, solid credit administration, and proactive loan workout planning12:50 Exploring portfolio diversification, treasury management, and why small-business lending competes with larger commercial real estate deals18:45 Some of the big differences for better or worse today versus the old days21:48 Joe's closing thoughts on portfolio diversity, AI adoption, and why credit union technology will separate tomorrow's leaders from the restKEY TAKEAWAYS:

What does it take to lead a credit union from the inside out? Maurice Dawkins, CEO of American Spirit Federal Credit Union, built his career on preparation, passion, and people. From growing up in Jamaica to earning an accounting degree in Maine, Maurice never planned to run a credit union, but he proved he was built for it. His philosophy of staff training, member advocacy, and bold community lending helped American Spirit defy regulatory pressure and grow stronger. He also explains why increasing credit union marketing during periods of uncertainty and embracing artificial intelligence are essential moves for survival in today's financial landscape.What You Will Learn in This Episode: ✅ How credit union leadership is built through preparation and cross-departmental learning. Maurice explains why spending time in every department, especially accounting, is the foundation for anyone pursuing executive development in the credit union industry.✅ Why bold community lending decisions can define a credit union's long-term survival and strengthen its relationship with member advocacy.✅ How credit union collaboration among small and mid-size institutions creates a powerful alternative to expensive outside consulting, allowing credit unions to share strategies and grow together.✅ Why embracing artificial intelligence and increasing credit union marketing during uncertain economic times are the two forward-thinking moves every credit union leader should be making right now.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Maurice shares his journey from Jamaica to Maine and how adaptability shaped his financial leadership03:13 How Maurice discovered the credit union industry and was promoted to VP before his first day on the job07:20 The history of American Spirit and how staff training and one-stop service drove credit union growth13:04 Maurice's advice on navigating regulatory challenges and standing firm on community lending decisions18:05 Why artificial intelligence and bold credit union marketing are the keys to staying relevant in today's landscapeKEY TAKEAWAYS:

What does it actually take to close the right deal for both the borrower and the credit union? Tom Halliday, head of business lending sales at MBFS, joins host Mark Ritter to answer that question with candor and expertise. From mastering the first-borrower conversation to navigating today's fierce loan-participation marketplace, Tom reveals why the best lenders act as trusted advisors, not order-takers. If your credit union is serious about growing its commercial loan portfolio while managing risk intelligently, this episode delivers the real-world insight you need.What You Will Learn in This Episode: ✅ How to approach the initial business lending conversation by focusing on borrower goals, experience, and story rather than jumping straight to documents and data.✅ Why today's market conditions demand that credit union relationship managers understand both geography and portfolio concentration before recommending any commercial real estate deal.✅ What factors beyond rate, including prepayment penalties, deposit requirements, and debt service coverage ratio covenants, shape a winning loan negotiation strategy?✅ How the loan participation marketplace has shifted dramatically, making speed and responsiveness essential for credit unions looking to grow their loan portfolio.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Tom Halliday's background in small business lending and his journey to leading business lending sales at MBFS02:04 How MBFS has grown its loan origination team and what that expansion means for credit union partners03:03 The art of the first borrower conversation and why understanding goals matters more than gathering documents05:19 A breakdown of current market conditions, interest rates, and challenging sectors in commercial real estate10:00 Discussion of commercial loans and negotiations11:44 Inside the loan participation marketplace and why credit unions must move fast to secure deals today13:36 Tom's move to Tennessee and a fun trivia segment wrapping up the episodeKEY TAKEAWAYS:

What happens when a global HR expert falls in love with the credit union movement? Nenuca Syquia, CEO of Boxd, joins Mark Ritter to challenge how credit unions think about leadership development, change management, and staying relevant in a shifting market. With the average credit union member now 53 years old, the urgency to attract younger generations is real. Nenuca brings bold ideas on board diversity, mission-driven culture, and why the best-kept secret in financial services needs to start telling a much better story.What You Will Learn in This Episode: ✅ Why credit union leadership must evolve beyond institutional comfort zones, and how bringing in diverse board perspectives can sharpen both mission focus and competitive awareness against the broader financial services market.✅ How the concept of "human bridges" inside your organization can prevent costly digital transformation failures by connecting tech language with real-world member workflows and day-to-day operations.✅ How embedding long-tenured employee knowledge into clear operational principles supports member experience consistency, especially as credit unions grow through merger integration and generational workforce transitions.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Observations on credit union leadership trends and Mark introduces Nenuca Syquia of Boxed03:11 Nenuca shares her personal journey as a credit union member and her mission to expand awareness of credit unions11:19 Member demographics, aging membership, and why attracting younger generations is critical for credit union growth15:20 Human bridges and how they connect tech teams to real-world member experience and digital transformation efforts20:21 Board diversity, insularity within the industry, and the need for diverse expertise at the leadership level27:41 Mission-driven culture and change management principles help credit unions stay locally relevantKEY TAKEAWAYS:

In 2025, credit union business lending quietly staged one of its strongest comebacks in years, and Mark Ritter has the numbers to prove it. From a 25% surge in business loan volumes to a 43% jump in participation loans, the recovery exceeded nearly every expectation. But Mark does not stop at the good news. He tackles the slow erosion of community lending, the growing threat of credit union mergers, rising delinquency rates, and an NCUA board in limbo that could create regulatory turbulence for years to come. This is the episode you forward to everyone in your network.What You Will Learn in This Episode: ✅ How credit union business lending rebounded in 2025, with industry-wide business loan volumes climbing over 25% and participation loans rising 43% after years of tightening liquidity.✅ Why credit union consolidation and ongoing credit union mergers are quietly weakening community lending and reducing the cooperative presence in local markets across the country.✅ How rising delinquency rates and increased charge-offs are signaling early stress in portfolios, particularly among larger institutions that leaned into big real estate loans without personal guarantees.✅ Why the NCUA board leadership gap is creating real strain on credit union examiners and slowing down the regulatory clarity that smaller credit unions desperately need.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Credit union business lending volumes for 2025 are revealed, including a 25% industry-wide surge04:05 Participation loans jumped 43%, and MBFS crossed 1,000 loan underwriting milestones in a single year06:14 Mark has some random thoughts about the industry09:54 New people in the industry, credit union mergers, and consolidation are shrinking community lending and weakening local cooperative roots13:48 Rising delinquency rates and charge-offs signal growing portfolio stress tied to loosened business lending standards15:19 The NCUA board leadership vacuum is straining credit union examiners and stalling critical regulatory reliefKEY TAKEAWAYS:

What does it take to lead a community credit union for over a decade while honoring a 42-year legacy? In this episode of Credit Union Conversations, Mark Ritter talks with Amey Sgrignoli, CEO of Belco Community Credit Union, about navigating executive succession, evolving board governance, and building a standout brand in a competitive market. Amey shares how her roots in business lending shaped her leadership style and why strong member relationships, smart fintech partnerships, and a commitment to financial education remain at the heart of Belco's growth strategy.What You Will Learn in This Episode: ✅ How to navigate credit union leadership transitions from a long-tenured CEO while preserving institutional culture and accelerating forward momentum.✅ Why intentional board governance and proactive volunteer recruitment are critical to a community credit union's long-term health and strategic direction.✅ How to evaluate fintech partnerships with eyes wide open, protecting your brand reputation while still embracing digital banking innovation and technology.✅ How staying rooted in member relationships and financial education helps a growing credit union compete against larger regional banks and institutions.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Introduction: Meet Amey Sgrignoli of Belco Community CU05:47 Lessons learned from an executive succession transition following a 42-year CEO legacy at Belco Community CU08:55 Evolving board governance, volunteer recruitment pipelines, and building a high-performing credit union board13:53 Being the face of the credit union community-wide18:53 Competing with larger institutions by leading with member relationships, branch technology, and financial education24:12 Evaluating fintech partnerships and using the CUSO model to access expertise beyond your asset sizeKEY TAKEAWAYS:

Community finance is under pressure. On this episode of Credit Union Conversation, Mark Ritter sits down with Doug Wadsworth to unpack the realities facing small credit unions, including expanding regulatory burdens, rising compliance costs, and growing competition among credit unions. They discuss why credit union advocacy matters, how the cooperative model must evolve, and what practical leadership looks like when serving members in an increasingly complex financial environment.What You Will Learn in This Episode: ✅ How small credit unions manage increasing regulatory burden and mounting compliance costs during NCUA examinations✅ Why credit union advocacy is essential to protecting the cooperative model and strengthening member impact✅ How credit union competition from large financial institutions and FinTech competition is reshaping credit union strategySubscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Doug shares his journey into the credit union space and his introduction to small credit unions06:25 The challenges of obtaining services, the weight of NCUA examinations, and the rising regulatory burden on small credit unions17:18 Survey results reveal growing credit union competition from larger credit unions over smaller ones21:04 Breaking down compliance costs, HMDA reporting, and NMLS registration27:58 Advocacy efforts aimed at achieving regulatory relief for small credit unions31:15 A vision for strengthening the cooperative model and sustaining community financeKEY TAKEAWAYS:

Join host Mark Ritter for a refreshing twist on Credit Union Conversations as Carrie Hutton, MBFS's loan origination leader, trades business talk for outdoor adventures and friendly competition. From conquering fears on cliff-side hikes to camping in Montana's stunning Glacier National Park, Carrie reveals her family's passion for exploration before facing the ultimate challenge: an MBFS trivia showdown. Discover the impressive numbers behind MBFS's 2025 success, including $279 million in closed loans and nearly $3 billion in portfolio management, all delivered with humor, personality, and genuine insights into credit union excellence.What You Will Learn In This Episode:✅ How MBFS achieved remarkable credit union lending growth in 2025, closing $279 million in loans and underwriting 939 new loan origination deals while maintaining a portfolio approaching $3 billion.✅ The personal side of financial services leadership as Carrie Hutton shares her family's outdoor activities, including RV camping adventures, dispersed camping with solar panels, and exploring Glacier National Park in Montana.✅ Inside look at MBFS's operational excellence, including completing 621 annual reviews and serving credit unions nationwide through dedicated relationship managers and origination teams.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Carrie discusses outdoor activities, featuring hiking and kayaking adventures, and conquering the fear of heights01:33 RV camping stories, including trips to Montana, South Dakota, and dispersed camping with solar panels04:27 MBFS trivia challenge begins, covering 2025 achievements in loan origination and portfolio management07:16 Pittsburgh trivia round featuring Steelers Coach Mike Tomlin, Dan Marino, and Pirates pitcher Paul SkenesKEY TAKEAWAYS:

Chrome Federal Credit Union CEO Bob Flanyak Jr. delivers a masterclass in authentic leadership and organizational culture. From collecting loans to building a 220 million dollar credit union recognized as Washington County's best overall business, Bob's journey reveals what truly matters in financial services. He shares powerful insights on succession planning, why employee relationships trump strategy, and how cooperative values create sustainable competitive advantages. Bob's candid discussion about credit union mergers, community impact, and talent development offers both inspiration and practical wisdom. His father's 29 years as a volunteer board member planted seeds that grew into a career philosophy centered on serving people over profits.What You Will Learn in This Episode: ✅ How to build and maintain a strong credit union culture through employee engagement, morning huddles, and living your organizational values rather than simply displaying them on walls.✅ The essential elements of effective succession planning in credit union leadership including balancing internal candidates with external searches while protecting organizational culture and values.✅ Practical strategies for credit union collaboration and financial literacy programs that allow small and medium-sized institutions to compete effectively without merging, including Financial Reality Fairs and student brand development.✅ Why brand building and community impact matter more than traditional metrics, and how cooperative values and relationship-focused leadership create sustainable member loyalty and employee engagement.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Intro: Meet Bob Flanyak of Chrome Federal Credit Union06:31 Career journey from CUNA Mutual to retail credit union leadership across multiple states09:45 Chrome Federal Credit Union's history and advice to advance your career in the credit union space14:26 Succession planning strategy and protecting credit union culture during CEO transitions17:36 Addressing credit union mergers and fostering collaboration among small institutions20:54 Financial literacy programs and community impact through Financial Reality FairsKEY TAKEAWAYS:

Business lending expert Carrie Hutton shares her journey from military spouse to VP of documentation services at MBFS in this episode of Credit Union Conversations. Host Mark Ritter explores the critical components of the loan closing process, including essential entity documents, title work, and collateral valuations. Hutton reveals how proper documentation requirements for credit union business lending can dramatically reduce closing delays. From managing loan approvals to coordinating environmental due diligence, listeners gain insider knowledge on how to achieve faster, more efficient closings in commercial lending.What You Will Learn In This Episode:✅ The realistic timeline for closing commercial real estate loans versus equipment financing deals, and why business lending professionals should expect three to four weeks for real estate transactions, while non-real estate loans can close in under a week.✅ The four critical loan documentation requirements that consistently delay closings include entity documents with correctly spelled names, title work for correct vesting, accurate collateral valuation, and detailed loan approval documentation.✅ How credit union operations can avoid common mistakes in the loan closing process, including missing authorized signers on documents and delays caused by incomplete environmental due diligence or appraisal process issues.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Introduction to business lending expert Carrie Hutton and her debut on the Credit Union Conversations podcast01:10 Carrie's banking career journey from military spouse employment at Bank of America in Japan to credit union roles04:05 Carrie's role managing the documentation services team and onboarding credit unions05:46 The ideal loan closing process timeline and managing appraisal process, flood certification, and environmental due diligence09:07 Common mistakes that delay closings, from missing authorized signers to incomplete loan approval detailsKEY TAKEAWAYS:

Discover how credit union strategies shape the future of cooperative banking in this compelling conversation between host Mark Ritter and Ancin Cooley, founder of Synergy Credit Union Consulting and CU Communities. From his early days as an OCC examiner to running a consulting practice focused on strategic planning and board development, Cooley shares candid insights on what separates thriving credit unions from those that simply grow to size. They tackle uncomfortable topics, including organic growth versus acquisition strategies, member business lending best practices, CUSO investments, succession planning, and maintaining the cooperative banking philosophy while managing enterprise risk management in today's complex financial institution leadership landscape.What You Will Learn in This Episode: ✅ How organic growth creates better operators compared to acquisition-driven expansion strategies, and why every hundred million dollars in asset growth teaches painful but valuable lessons that can't be learned through purchases alone.✅ The critical importance of sophisticated board development and enterprise risk management frameworks to protect member capital, especially when dealing with CUSO investments and preventing the extraction of capital outside the charter.✅ Best practices for member business lending programs, including how to align your strategy with funding goals, determine appropriate risk appetite, and implement proper credit administration to balance growth with sound credit union strategy.✅ Why succession planning and cross-functional education matter more than specialization, and how understanding multiple areas from compliance to interest rate risk creates stronger financial institution leadership capable of seeing the bigger picture.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Intro: Meet Ancin Cooley03:53 Cooley's journey from Wachovia teller to OCC examiner and witnessing organic growth challenges during the banking crisis08:10 The strategic error of specialization and the importance of cross-functional financial institution leadership education11:52 What makes credit unions successful across the spectrum from small community institutions to mega growth models15:49 How board development and accountability gaps allow risky behavior in acquisition-driven credit union strategy approaches20:23 Venture capital threats and extracting member capital through questionable CUSO investments and cooperative banking concerns27:04 Priority topics for 2026, including succession planning, technology adoption, and community-focused brand-building strategies30:50 Member business lending best practices, balancing risk appetite with proper credit administration and relationship focus34:22 Introduction to CU Communities online learning platform and Synergy Consulting's strategic planning approach for 2026KEY TAKEAWAYS:

Credit union lending faces pivotal changes in 2026 as interest rates, inflation, and regulatory shifts reshape the landscape. In this episode of Credit Union Conversations, host Mark Ritter and MBFS COO Jeff Lyons make bold predictions about fed rate movements, treasury rates, and commercial lending growth. They discuss how rising delinquency rates may affect the industry and explore the NCUA's anticipated regulatory priorities, including oversight of AI and automation. From mortgage rates to commercial real estate refinancing opportunities, this Quick Hits episode delivers actionable insights for credit union leaders navigating an uncertain economic environment in the year ahead.What You Will Learn In This Episode:✅ How fed rate reductions and treasury rates will influence credit union loan pricing strategies and member borrowing costs throughout 2026✅ Why commercial lending growth may slow, while commercial real estate refinancing opportunities emerge from distressed properties✅ What regulatory priorities the NCUA will focus on, including delinquency management, loan loss reserves, stablecoins, and AI and automation policies✅ How the housing market, unemployment rate, and inflation rate interconnect to shape the overall economic outlook for credit unionsSubscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 2026 predictions episode discussing credit union industry forecasts and Fed rate and interest rates predictions, with expectations of rates dropping to 3-3.25% 01:42 Treasury rates and mortgage rates outlook, analyzing the impact on credit union lending and the housing market03:10 Inflation rate forecast at 2.5% with discussion of tariffs and unemployment rate effects on economic stability04:25 Commercial lending growth predictions and commercial real estate refinancing opportunities amid rising delinquency trends06:29 Discussion of the NCUA board, the rising delinquency numbers, and the abuse of AI10:15 Let's talk footballKEY TAKEAWAYS: ✅ Federal Reserve leadership changes will drive fed rate policy toward 3% by year-end, creating refinancing opportunities for loans originated in 2024 at higher rates✅ Rising delinquency rates will trigger stricter NCUA oversight on loan loss reserves and accounting practices, while AI and automation regulation emerges as a new compliance focus area✅ Commercial real estate distress will create a "greater fool" refinancing market where credit unions can acquire loans at significant discounts after original lenders absorb lossesABOUT THE GUEST:Jeff Lyons - LinkedInRESOURCES MENTIONED: Mark Ritter - WebsiteMark Ritter - LinkedInSEO KEYWORDS: Credit Union Conversations, Mark Ritter, MBFS, Credit Unions, CUSO, Credit Union Lending, Interest Rates, Inflation, Fed Rate, Treasury Rates, Commercial Lending, Delinquency, NCUA, AI And Automation, Mortgage Rates, Commercial Real Estate, Federal Reserve

In this episode of Credit Union Conversations, host Mark Ritter sits down with Gord Baizley, Co-Founder and CEO of Judi.ai, to explore why small business lending remains one of the greatest untapped opportunities for credit unions—and how technology is finally making it scalable.Gord shares his unique career journey from law and investment banking to leading high-growth technology companies, including Judi.ai, a platform purpose-built to simplify and modernize small business lending. The conversation breaks down why small businesses are consistently underserved by traditional financial institutions despite representing a massive share of the economy—and why credit unions are uniquely positioned to close that gap.Mark and Gord dive into the cultural, regulatory, and operational barriers that have historically slowed small business lending at credit unions. They discuss how outdated underwriting expectations, CRE-centric credit culture, and manual processes have made small business lending feel complex and costly. Gord explains how predictive AI, real-time cash flow data, and automation are reshaping underwriting—allowing credit unions to treat small business lending more like consumer credit cards than commercial real estate.The episode also compares U.S. and Canadian banking systems, highlights the importance of executive buy-in, and reinforces why small business owners are “relationship unicorns” for credit unions—bringing deposits, loans, mortgages, and long-term loyalty.This episode is essential listening for credit union leaders, lenders, and executives looking to grow relationships, diversify loan portfolios, and compete effectively with fintech lenders.What You Will Learn in This Episode: ✅ Why small business lending should be treated as its own segment, not lumped into consumer or commercial lending.✅ How predictive AI and real-time cash flow data can dramatically reduce underwriting friction and improve risk management.✅ What's holding credit unions back from small business growth, and how to move it higher on the strategic priority list.✅ Why small business owners are among the most valuable long-term relationships a credit union can build.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Welcome to Credit Union Conversations: Gord Baizley's career journey: law, finance, and tech03:05 What Judi.ai does and why small businesses are underserved04:03 Predictive AI vs. generative AI in lending06:00 Banking in Canada vs. the U.S.08:43 Why credit unions focus on CRE instead of small business09:22 Rethinking risk: small business vs. consumer credit10:15 Automation, open banking, and real-time cash flow data13:32 Regulatory shifts supporting cash flow lending14:33 Ideal credit unions for small business growth16:45 Treating small business as its own segment17:27 Why small business owners are “relationship unicorns”19:10 The biggest barriers to getting started21:00 Executive buy-in and strategic ownership23:00 The future outlook for credit unions25:12 How to connect with Gord and Judi.aiKEY TAKEAWAYS: Small business lending is a relationship growth engine, not just a loan product.Credit unions often apply the wrong risk lens to small business lending.Technology has removed the...

Credit union predictions take center stage as Mark Ritter hosts Jeff Lyons on Credit Union Conversations to review their 2025 forecasts. The MBFS leaders analyze their interest rate forecasts, NCUA board changes, and tariff-negotiation predictions with a candid self-assessment. Throughout this engaging review, they explore Federal Reserve rate cuts, consumer lending trends, commercial lending stability, and the challenges facing credit unions in the auto loan market as vehicle prices surpass $50,000. They examine the accuracy of housing market forecasts and the outcomes of budget deal negotiations, while acknowledging mixed results in their prognostication.WHAT YOU WILL LEARN IN THIS EPISODE:✅ How NCUA board changes and Supreme Court cases continue to impact credit union regulatory oversight, with the FTC lawsuit setting precedent for future administrative decisions affecting the credit union industry.✅ Why the auto loan market faces unprecedented challenges as average new vehicle prices exceed $50,000, causing consumers to hold vehicles longer and fundamentally shifting credit union business strategies.✅ The accuracy of inflation predictions and credit card delinquency forecasts, including how CPI data at 2.7% contradicts consumer experiences of rising costs in everyday purchases.✅ How commercial lending stability diverged from consumer lending trends in 2025, creating a bifurcated lending environment that requires different strategic approaches for credit unions.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Mark Ritter and Jeff Lyons review their year-end credit union predictions for 2025 and discuss their accuracy00:38 NCUA board changes discussion covering the firing of Democratic board members and predictions about Supreme Court cases impacting regulatory authority01:33 Interest rate forecasts review, revealing they missed by 25 basis points and tariff negotiations analysis examining how tariffs became a negotiating tool07:07 Auto loan market and consumer lending trends, highlighting the average cost of a vehicle and the lending environment affecting credit union business09:06 Discussion of credit card debt to be determined in February and March, and some football talk: Penn State and RutgersKEY TAKEAWAYS:

In this episode of Credit Union Conversations, host Mark Ritter speaks with Josh Rodriguez of West Community Credit Union about authentic community engagement, storytelling through podcasting, and the evolving role of credit unions in a competitive financial landscape.Josh shares his 20+ year journey in the credit union industry—from phone teller to President & CEO of a small credit union, and now serving in one of the industry's most unique roles: Assistant Vice President of FinTech and Mission Integration. He reflects on the challenges of leading a small credit union, the difficult but member-focused decision to merge, and how West Community Credit Union has embedded “people helping people” into its culture through hands-on community involvement.The conversation explores why traditional marketing tactics often fall flat and how audio storytelling and podcasting can help credit unions emotionally connect with members and communities. Josh breaks down West Community's Banking On You Podcast, a narrative-driven audio series that highlights real community impact rather than products or promotions.Mark and Josh also discuss small credit union survival strategies, the realities of fintech partnerships, and why community engagement must go beyond check-writing and photo ops. This episode is a must-listen for credit union leaders, marketers, and executives looking to strengthen community trust, modernize outreach, and tell their story more effectively.What You Will Learn in This Episode: ✅ How credit unions can use storytelling and podcasting to build trust, emotional connection, and brand relevance beyond traditional financial marketing.✅ What small credit union leaders must consider when facing sustainability challenges, including when a merger may be the most member-focused decision.✅ Why authentic, hands-on community engagement matters more than surface-level philanthropy and how it strengthens long-term relationships.✅ How fintech innovation can coexist with mission-driven values, allowing credit unions to modernize without losing their “people helping people” identity.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Welcome to Credit Union Conversations01:14 Meet Josh Rodriguez05:16 Life lessons from running a small credit union07:20 Deciding to merge: putting members and staff first09:41 West Community Credit Union's mission and community focus11:00 Active engagement vs. check-writing philanthropy13:43 Why credit unions should invest in podcasting15:44 Audio storytelling and the Banking On You Podcast19:05 Why credit unions struggle to tell their story22:33 Josh's role: FinTech & Mission Integration explained26:03 Advice for small credit unions today29:18 Rethinking community involvement30:00 Where to find Josh and West Community Credit UnionKEY TAKEAWAYS: ✅ Authentic storytelling is a strategic advantage for credit unions. Members connect more deeply with real stories than product-driven messaging. Through podcasting and audio storytelling, credit unions can highlight real community impact, humanize their brand, and differentiate themselves in an increasingly crowded financial services landscape.✅ Podcasting creates emotional connection at scale. Unlike ads or social posts, podcasts allow credit unions to slow down, go deeper, and engage listeners in meaningful conversations. Josh shares how West Community Credit Union's Banking On You Podcast focuses on community narratives rather than promotions—building trust and

Commercial real estate lending saw unprecedented growth in 2025, defying expectations. In this episode of Credit Union Conversations, host Mark Ritter sits down with Kristina Paulson to explore the dramatic 30% increase in loan volume despite persistently high interest rates. They discuss evolving debt service coverage ratio requirements, the impact of rate resets on existing portfolios, and creative loan restructuring strategies. Kristina shares insights on commercial loan underwriting challenges, softening office building markets, and property values holding steady across most sectors. The conversation offers a critical perspective on credit union lending portfolio management and what commercial real estate market trends to expect in 2026. Stay tuned at the end to hear their favorite Christmas traditions.WHAT YOU WILL LEARN IN THIS EPISODE:✅ How credit unions managed a surprising 30% surge in loan volume throughout 2025, despite high interest rates and why similar lending trends are expected to continue into 2026.✅ Why debt service coverage ratio minimums have increased from 1.20 to 1.25 across the industry, and how commercial loan underwriting standards have become more meticulous due to rising insurance, utilities, and operating expenses.✅ Which commercial real estate sectors face the most significant risk, particularly office buildings experiencing rate resets from low-interest loans originated in 2020-2021, and what creative loan restructuring strategies are emerging?✅ How property values are holding steady in most markets, while credit union portfolio managers must monitor existing loans more carefully as higher expenses impact DSCR requirements and risk ratings.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 2025 commercial real estate lending trends, MBFS growth, the unexpected surge in loan volume03:04 Interest rates reality check: Why predicted rate drops never materialized and how borrowers adapted to the higher rate environment for commercial loans06:01 Debt service coverage ratio challenges: Rising DSCR requirements, increased scrutiny on insurance, utilities, and operating expenses in commercial loan underwriting08:02 Property values holding steady, loan amounts decrease to maintain the debt service coverage ratio, and troubled commercial real estate loans as they roll over for refinancing in 2026-202710:39 Holiday traditions discussion: Kristina shares family Christmas celebrations, decorating, baking cookies, and extended family gatherings on Christmas Eve12:26 Childhood Christmas memories: for the Paulson and Ritter familiesKEY TAKEAWAYS:

Send us a textMark Ritter, CEO of Member Business Financial Services, a Pennsylvania based CUSO, estimates that about 800 US credit unions do member business lending, meaning that perhaps 3700 don't.Many, many more could.  That is spelled out in HR 1151, the law that lets credit unions serve more than one employer group.  Passage of that law is detailed in CU 2.0 Podcast Episode 51 with Marc Schaefer, then the CEO of Truliant CU.If credit unions can make small business loans, why don't they - that's a question Ritter asks and answers in this show.But it also is very clear that he believes credit unions - and their members and communities - would be better served if more credit unions jumped into member business lending. The need on the part of small businesses is acute, many are turning to non traditional lenders who may charge as much as 40% APR.  Credit unions can play an important role in helping their communities' small businesses, says Ritter.Understand, too, that a CUSO like MBFS - and there are several competitors in the space - may source the loan, it will underwrite it, MBFS will say if it thinks the loan is a definite “yes,” a definite “no,” or - most likely - a maybe.  And if it's a maybe MBFS will relate the pros and cons of issuing the loan.The credit union provides the loan capital.  MBFS does the heavy lifting.In the show Ritter offers his unfiltered outlook for commercial real estate loans and also predicts a bump in delinquency rates - and yet he is bullish about member business lending in general.Ritter, by the way, has his own podcast.  Tune in for deep dives in member business trending.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

Credit Union Service Organizations are evolving rapidly, and NACUSO's new CEO, Randy Salser, discusses the future of CUSO collaboration in this episode of Credit Union Conversations with host Mark Ritter. Salser shares insights on credit union innovation, the critical 1% capital rule restricting CUSO investments, and NACUSO's advocacy efforts on Capitol Hill. The discussion covers member business lending, fintech partnerships, and how credit unions can leverage CUSO's to gain a competitive advantage. Salser emphasizes that collaboration remains the credit union movement's superpower, highlighting upcoming initiatives, including the reimagined NACUSO conference and regional roundtables to foster year-round credit union networking.What You Will Learn in This Episode: ✅ How the 1% capital rule restricts credit union investments in CUSOs and limits stablecoin opportunities, member business lending initiatives, and other CUSO activities that could help credit unions compete with larger financial institutions.✅ NACUSO's advocacy strategy focuses on CUSO model protection, third-party vendor oversight, and collaborating with America's Credit Unions and DCUC to address regulatory challenges while playing both offense and defense on Capitol Hill.✅ The reimagined NACUSO conference format features intentional tracks, educational content on CUSO formation, regional roundtables, and collaborative networking opportunities that extend credit union engagement beyond annual events.✅ How credit union collaboration through CUSOs enables innovation, risk mitigation, and scale that individual institutions struggle to achieve alone, with opportunities for credit unions, CUSOs, and fintechs to partner strategically.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Randy Salser, new NACUSO CEO, explains the history and how credit union collaboration through the CUSO model drives credit union innovation over 40 years03:39 Randy shares his professional background 06:10 NACUSO advocacy on Capitol Hill addressing the 1% capital rule, Genius Act, stablecoins, and member business lending restrictions13:02 April 2026 reimagined NACUSO conference in Orlando featuring educational tracks on CUSO formation, regional roundtables, and credit union networking16:20 Randy shares his vision for the future of the CUSO 22:30 Credit union industry consolidation from 14,000 to 4,400 institutions and evolution of trade associations navigating CUSO complexity with fintechs and private equityKEY TAKEAWAYS: ✅ The arbitrary 1% capital rule severely limits credit union investment capacity across ALL CUSO activities collectively—from stablecoins to insurance to member business lending—preventing credit unions from competing with mega players like Coinbase, Amazon, and Meta in emerging financial services.✅ NACUSO is transforming from an annual event organization into a year-round credit union community platform with regional roundtables, modern educational resources, webinars, and collaborative opportunities that connect credit unions, CUSOs, and fintechs for strategic partnership development.✅ Credit union industry consolidation — from 14,000 to 4,400 institutions — demands that trade associations deliver speed, clarity, and actionable data while cutting through complexity. NACUSO's unique positioning focuses on CUSO-specific advocacy and collaborative innovation as the movement's competitive superpower.ABOUT THE GUEST:

Annual reviews of commercial lending take center stage as Mark Ritter hosts Kristina Paulson on Credit Union Conversations. This MBFS Quick Hits episode tackles year-end commercial loan annual reviews and the persistent debate over K-1 documentation. Kristina, AVP of Credit Services at MBFS, shares practical strategies for managing unresponsive borrowers and explains why tax return analysis alone isn't sufficient. The conversation explores improvements to the credit analysis process, portfolio risk assessment techniques, and how commercial loan policy updates can reduce low-value activities. Learn why cash flow calculation requires K-1 forms and discover relationship-building opportunities hidden within the annual review process.WHAT YOU WILL LEARN IN THIS EPISODE:✅ How to handle uncooperative borrowers during the annual review season, including escalation strategies like formal demand letters and default rate implementation when borrower financial statements aren't provided.✅ Why K-1 forms are essential for accurate cash flow calculation and how they reveal distributions and contributions that standard tax returns cannot show, making them critical for proper credit analysis.✅ How to update your commercial lending compliance policies to focus resources on high-risk loans rather than reviewing every small business loan in your portfolio, improving efficiency while maintaining regulatory standards.✅ How annual reviews create sales opportunities to identify needs like lines of credit or refinancing options while monitoring portfolio health and strengthening business services relationships.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Kristina shares her commercial lending career path and role as AVP of Credit Services at MBFS03:12 Year-end annual review challenges and common borrower communication issues discussed05:15 Red flags when borrowers avoid providing financial statements and potential underlying problems06:05 Enforcement strategies and why credit unions must establish consequences for non-compliance and sales opportunities within annual reviews, including lines of credit and refinancing options09:01 Commercial loan policy updates to focus on high-risk loans versus low-value activities10:54 K-1 documentation importance explained, and why tax returns alone are insufficient for cash flow analysisKEY TAKEAWAYS: ✅ Unresponsive borrowers during annual review season often signal deeper financial problems—lack of cooperation after multiple attempts should trigger escalation, including formal demand letters and potential default rates to enforce loan agreement requirements.✅ K-1 forms are non-negotiable for accurate commercial lending analysis because they reveal distributions and contributions that impact cash flow, information that standard tax returns simply cannot provide to lenders.✅ Modern commercial loan policies should be risk-based rather than reviewing every loan—focus credit analyst resources on larger, higher-risk transactions. In contrast, smaller loans, such as vehicle financing, require minimal oversight for efficient portfolio management.RESOURCES MENTIONED: Mark Ritter - WebsiteMark Ritter - LinkedInMBFS WebsiteSEO...

Today on Credit Union Conversations, Mark Ritter sits down with Bryan Doxford of Grow America to discuss innovative approaches to supporting small businesses, affordable housing, and underserved communities. Bryan shares insights into the mission-driven work of Grow America, including its role in providing capital through SBA loans, new market tax credits, and low-income housing initiatives. Bryan highlights how Grow America partners with credit unions, CDFIs, and community organizations to bridge funding gaps, offer economic development training, and help businesses access the capital they need to thrive.They also delve into the current state of Certified Development Financial Institutions (CDFIs), exploring trends in consolidation, grant reliance, and self-sufficiency. Bryan underscores the importance of collaboration, both between mission-aligned organizations and with credit unions, to maximize impact in underserved communities. From small business lending to affordable housing and workforce development, this episode provides actionable insights for credit unions and community-focused organizations seeking to expand their impact.What You Will Learn in This Episode: ✅How Grow America (formerly NDC) drives community impact✅The evolving landscape of CDFIs✅The national housing shortage & affordability crisis✅How credit unions and CDFIs can partner for greater impactSubscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today. TIMESTAMPS: 00:00 Introduction01:00 Bryan Doxford's career journey: from credit unions to SBA lending07:00 About Grow America's mission and programs09:00 Explanation of new market tax credits11:00 Current state and future of CDFIs17:100 Affordable housing initiatives and impact21:00 Training programs and community partnerships24:00 Access to capital and client community examples25:00 How credit unions can collaborate with Grow AmericaKEY TAKEAWAYS:

Central Pennsylvania tourism offers incredible experiences beyond the well-known cities of Pittsburgh and Philadelphia. In this episode of Credit Union Conversations, host Mark Ritter welcomes back Steve Young of MBFS to explore the region's hidden treasures. From the historic Gettysburg Battlefield to the sweet delights of Hershey, Pennsylvania, they discuss why this area deserves recognition as one of America's untapped vacation destinations. The conversation covers Lancaster County attractions, including the renowned Sight and Sound Theater, charming Lititz, and authentic Amish experiences. They also highlight Carlisle Car Shows, Knoebels Amusement Park, and local favorites such as Caledonia State Park, making a compelling case for the best family vacation spots in central Pennsylvania that offer exceptional value and memorable experiences.What you will learn from this episode: ✅ Discover why Central Pennsylvania tourism offers exceptional value compared to major theme parks, with destinations like Knoebels Amusement Park providing free admission, affordable food, and beautiful natural settings.✅ Explore the rich history and modern attractions of Gettysburg Battlefield, Hershey, Pennsylvania, and Lancaster County attractions, including world-class entertainment at the Giant Center in Hershey, authentic Amish experiences, and the charming town of Lititz, Pennsylvania.✅ Learn about unique Central Pennsylvania experiences from Carlisle Car Shows that draw collectors nationwide to Pennsylvania State Parks like Caledonia State Park, plus hidden culinary gems, including Northeast Pennsylvania pizza and local Pennsylvania wineries.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Mark welcomes Steve Young from MBFS to discuss hidden tourist gems between Pittsburgh and Philadelphia02:20 Steve shares how the Gettysburg Battlefield took on deeper meaning for him through a leadership class exploring Civil War communication and strategy03:39 Discussion of Hershey, Pennsylvania, featuring Chocolate World, Giant Center Hershey concerts, outlet shopping, and Trans-Siberian Orchestra performances05:24 Exploring Lancaster County attractions, including Lititz, Pennsylvania, Sight And Sound Theater, Amish Country, and accessibility from major metropolitan areas08:23 Steve Young discusses his yellow Corvette and how Carlisle Car Shows draw collectors nationwide10:25 Discussion of the benefits of Knoebels Amusement Park over other amusement parks and the Caledonia State ParkKEY TAKEAWAYS: ✅ Central Pennsylvania tourism offers exceptional value with attractions like Knoebels Amusement Park providing free admission and parking. At the same time, Lancaster County sits within two hours of New York, Washington, and Philadelphia, making it an ideal, affordable family destination.✅ The region features diverse experiences from historic Gettysburg Battlefield and Pennsylvania wineries to...

Youth banking is transforming how credit unions engage families and prepare the next generation for financial success. In this episode of Credit Union Conversations, host Mark Ritter sits down with Alexey Krasnoriadtsev, CEO and co-founder of boucoup, to explore innovative family banking solutions that are changing the game for credit unions. Alexey shares his remarkable journey from Soviet-era Belarus to becoming a fintech entrepreneur in Austin, Texas, and explains why digital banking tools for kids and teens are no longer optional—they're essential. The conversation reveals how to teach kids about money using banking apps through practical features like parental oversight, chores and allowance tracking, and even simulated loans that build real-world financial literacy.What You Will Learn in This Episode: ✅ How youth banking programs have evolved from money-losing initiatives to profitable opportunities for credit unions, with kids now holding $800-$1,500 in deposits and generating full asset yields on no-cost accounts.✅ Why family banking tools with parental controls, money management features, and digital chores and allowance systems are essential for teaching financial literacy in a cashless society, where kids need cards earlier than ever before.✅ The critical mistakes credit unions make during digital banking implementation, including inadequate testing of edge-case scenarios and a lack of proper project planning that leads to production problems.✅ How innovative banking education features like parent-supervised loans with interest and late fees help teens experience real-world financial concepts like amortization before entering adulthood.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Intro: The 25-year challenge credit unions face in attracting young people, and a conversation about youth banking solutions03:17 Alexey Krasnoriadtsev shares his origin story, from Soviet-era Belarus to America, working as a dishwasher and theme park cleaner before founding his mobile banking app company10:30 Banking On solves a California credit union's digital banking crisis, transforming thousands of one-star reviews into five-star ratings through API-connected mobile banking apps13:32 Boucoup, the family banking concept, explains how financial literacy tools help parents supervise kids' spending through chores and allowance, loans, and kid debit cards26:22 Critical advice on credit union innovation implementation, emphasizing the importance of comprehensive testing, project planning, and quality assurance KEY TAKEAWAYS: ✅ Youth banking is now a profitable strategy—today's cashless society means kids need cards early, resulting in average deposits of $800 for 13-year-olds and $1,500 for 17-year-olds, generating full 4% asset yields on no-cost accounts.✅ Family banking tools create emotional bonds and practical financial literacy through features like peer-to-peer transfers with photos, digital chores and allowance tracking, and parent-supervised loans with interest rates and late fees that teach real-world financial concepts.✅ Successful digital banking implementation requires comprehensive testing. Credit unions must demand detailed project plans, test 60+ edge-case scenarios with multiple accounts, and invest in quality assurance before production launch.✅ Member engagement with the next generation starts with solving parent pain points—giving kids supervised debit cards instead of credit cards creates sticky family banking relationships where entire households bank together at one...

Commercial lending negotiations require a different approach than consumer lending in credit unions. In this episode of Credit Union Conversations, host Mark Ritter talks with Steve Young, veteran relationship management professional at MBFS, about the art of business lending. Steve shares his journey from baseball to becoming a trusted advisor in the credit union space. They explore key differences between consumer and commercial lending, including interest rate negotiations, collateral requirements, and loan covenants. Steve emphasizes being genuine and responsive while building member relationships in credit union business lending, matching deals with appropriate credit unions, and explaining why documentation matters in every transaction.WHAT YOU WILL LEARN IN THIS EPISODE:✅ How commercial lending negotiations differ from consumer loans, including the importance of loan structuring, collateral requirements, and loan covenants, rather than focusing solely on interest rates.✅ Strategies for effective relationship management as a commercial loan officer, including being chameleon-like with different business types and serving as a trusted advisor to credit union members.✅ Best practices for portfolio management and risk assessment, including why former collectors make excellent lenders and how to properly document terms and conditions throughout the lending process.✅ Techniques for matching business lending opportunities with the right credit unions based on their culture, risk tolerance, lending areas, and membership requirements.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Intro: Meet Steve Young and learn how commercial lending negotiations differ from standardized consumer loan processes in credit unions01:30 Steve's career journey from minor league baseball with the Dodgers to becoming a commercial loan officer, and how he learned business lending fundamentals 05:00 Steve explains his role as a relationship manager at MBFS, serving multiple credit unions while working with brokers on commercial real estate deals07:23 Discussion of "membership bingo" and matching deals to appropriate credit unions based on their risk tolerance, lending preferences, and portfolio management strategies09:28 The importance of looking beyond interest rate negotiations to include loan covenants, collateral requirements, personal guarantees, and proper documentation in loan structuringKEY TAKEAWAYS:

Gen Z banking preferences take center stage as Mark Ritter, host of Credit Union Conversations, interviews his son Ethan Ritter, a University of Pittsburgh finance student. This episode explores what credit union membership means to younger consumers and reveals surprising insights about mobile banking apps and digital engagement. Ethan shares candid perspectives on financial technology expectations, explaining why online account opening capabilities are non-negotiable for his generation. The conversation challenges conventional wisdom about how to attract Gen Z members to credit unions through social media advertising, revealing that technology quality trumps traditional marketing approaches for younger consumers.What You Will Learn in This Episode: ✅ Why mobile banking apps are the most critical factor for Gen Z banking customers, who prioritize app functionality over in-person branch visits and website experiences✅ How credit unions can leverage financial technology and digital banking experience to attract younger members instead of relying on traditional member engagement strategies✅ The truth about personalized marketing effectiveness with Gen Z consumers and why social media advertising may not deliver the results financial institutions expect✅ Real insights into student banking behaviors, including common financial mistakes like sports gambling and food delivery services that impact young consumers' saving potentialSubscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Introduction to Gen Z banking featuring Ethan Ritter02:09 Ethan shares his educational background and his work in finance at both the university and a local credit union 05:19 Mobile banking apps versus in-person branch banking: Ethan explains why Gen Z banking customers see financial services as a transaction, not a relationship08:30 Online account opening requirements and why requiring in-person visits causes younger consumers to choose different financial institutions11:38 Gen Z consumers never discuss their banks or credit unions with peers, even among finance majors managing real investment portfolios13:43 How Gen Z consumers waste money, discussion of cryptocurrency and home ownership20:10 Technology-first strategy for credit unions to attract younger members: why financial technology quality matters more than rates or traditional member engagementKEY TAKEAWAYS:

Insights on New York City travel by Credit Union Conversations host Mark Ritter and guest Azra Samiee reveal authentic experiences beyond typical tourist attractions. In this engaging episode, Mark shares his journey from small-town Pennsylvania to becoming a NYC enthusiast, while Azra, a 13-year Brooklyn resident, offers insider recommendations. Discover Brooklyn neighborhoods and restaurants guide favorites, including Red Hook's legendary burger at Red Hook Tavern and Steve's Key Lime Pie. Learn about convenient transportation options like the East River Ferry and City Bike NYC. From Comedy Shows to Chelsea Market, this conversation covers essential stops while avoiding overcrowded spots like Times Square.What You Will Learn in This Episode: ✅ Navigate New York City like a local using Subway Navigation tips and alternative transportation options, including the East River Ferry and City Bike NYC system for exploring multiple boroughs efficiently.✅ Discover authentic Brooklyn Attractions beyond the typical tourist path, including Dumbo Brooklyn, Red Hook Brooklyn, and Prospect Park, with insider dining recommendations from Thai Restaurants to legendary Pizza places in NYC.✅ Plan the perfect Manhattan experience with expert guidance on NYC Steakhouses, Comedy Shows in New York, and cultural destinations like the Museum of Natural History and Chelsea Market while strategically avoiding overcrowded areas.✅ Create memorable experiences combining food, entertainment, and sightseeing, from Broadway shows to waterfront sunsets, using local knowledge to maximize your visit to America's most dynamic city.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Mark's personal journey discovering New York City as a first-time visitor at age 3502:21 Discussion of subway navigation techniques and Mark's typical tourist routine visiting Manhattan destinations like Penn Station and Soho shopping areas, plus his love for NYC steakhouses04:53 Azra recommends exploring Brooklyn attractions as the best way to experience authentic NYC, introducing transportation alternatives like City Bike NYC and the East River Ferry for accessing different boroughs07:33 Detailed Brooklyn neighborhoods and restaurants guide covering Dumbo, Brooklyn and Red Hook, Brooklyn, featuring Steve's Key Lime Pie shop, Red Hook Tavern's famous burger, and Littlefield Comedy Shows11:20 Discussion of NYC entertainment venues, including the Comedy Cellar and the Stand for Comedy Shows New York, plus Broadway Shows recommendations and appreciation for Chelsea Market located in the historic Nabisco factory building12:12 Final restaurant recommendations covering favorite Pizza Places NYC, Thai restaurants like Nourish Thai in Brooklyn, and Azra's role as tourism ambassador, concluding this New York City travel guide episode with holiday visit planningKEY TAKEAWAYS: ✅ Brooklyn offers more authentic New York City experiences than typical Manhattan tourist spots, with neighborhoods like Dumbo, Brooklyn and Red Hook providing waterfront views, exceptional dining, and local charm away from crowded areas like Times Square.✅ Transportation variety enhances your NYC visit. While Subway Navigation using Google Maps works for beginners, the East River Ferry offers scenic routes between boroughs. City Bike NYC provides an adventurous way to explore, though bike riding in the city requires confidence and aggressive navigation.✅ Comedy shows in New York venues like the Comedy Cellar, the Stand, and Littlefield in South Brooklyn provide excellent...

Credit union lending strategies take center stage as host Mark Ritter of Credit Union Conversations welcomes Erik Harwood from Sun East Federal Credit Union. Erik shares insights on navigating today's commercial lending landscape and adapting to the normalized liquidity management environment of 2025. The conversation explores innovative residential mortgage lending programs, including Sun East's pioneering 40-year fixed-rate mortgage programs for credit unions that address affordability challenges. Erik discusses loan portfolio growth tactics, pricing approaches in fluctuating interest rate environments, and the evolution of credit union lending strategies in competitive markets.What You Will Learn in This Episode: ✅ How credit union lending strategies adapt to normalized liquidity management conditions after pandemic-era extremes, including balancing inventory costs with loan portfolio growth targets and strategic borrowing decisions for sustainable lending operations.✅ Innovative residential mortgage lending solutions like 40-year fixed-rate mortgage programs for credit unions and community heroes programs that provide affordability programs for first responders, teachers, and medical professionals while maintaining sound underwriting standards.✅ Essential commercial lending approaches, including the three-door loan pricing strategies philosophy that empowers borrowers with choices while protecting yields, plus navigating business loan program caps.✅ Why treasury management services development is critical for credit unions to expand beyond real estate lending into business and asset-based lending, and how to evaluate FinTech partnerships and third-party originators through rigorous vendor management diligence.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Intro: Meet Erik Harwood from Sun East Federal Credit Union03:30 The differences between community banks, large banks, and the local credit union, mainly focusing on commercial lending11:06 Erik explains liquidity management challenges and discusses loan portfolio growth 12:58 Discussion of loan pricing strategies using the "three door" philosophy, car loans and interest rates18:18 Erik details their residential mortgage lending programs, including the 40-year fixed-rate mortgage programs for credit unions 21:42 Discussion of business loan programs, treasury management services, business loan caps, and opportunities in real estate lendingKEY TAKEAWAYS:

Azra and Mark introduce Inclusiv's new business lending program for credit unions in New York state. WHAT YOU WILL LEARN IN THIS EPISODE:✅ How CDFI credit unions can launch or expand their small business lending programs through Inclusiv's eight-week Small Business Capital Initiative training that covers regulations, portfolio development, and community outreach strategies.✅ The benefits of Inclusiv's loan participation marketplace for credit union small business lending, including how credit unions can buy or sell loans while Inclusiv co-invests to share both opportunity and risk with participating institutions.✅ How the loan loss fund provides up to 20% guarantee on charged-off loan balances for community development credit unions engaged in the loan participation marketplace, helping reduce risk for both buyers and sellers.✅ Strategies for credit union lending programs to strengthen their presence in local communities through effective small business technical assistance, marketing outreach, and building high-touch relationships with business lending members.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Introduction to credit union services and business lending solutions, including loan participations, SBA lending, and loan workouts for credit unions nationwide and Puerto Rico01:26 Azra shares her career journey in community economic development and working with CDFI credit unions to expand financial inclusion for underserved communities04:07 Discussion of the community outreach of credit unions, making them different from the banking industry 06:05 Overview of Inclusiv as a CDFI network supporting community development to help low and moderate-income communities achieve financial inclusion 08:33 Details on Inclusiv's Small Business Capital Initiative training program launching October 1st, an eight-week course for credit unions to serve small business loan programs 11:28 Explanation of Inclusiv's loan participation marketplace and loan loss fund, and the new Inclusiv Business Forward, helping CDFI credit unions expand small business lending KEY TAKEAWAYS:

“We don't do agricultural lending." That's the common phrase uttered across America, but why? Phil Love, the leader of Pactola, and Mark Ritter delve into the benefits of agricultural lending, how to approach it, and the advantages for lenders.WHAT YOU WILL LEARN IN THIS EPISODE:✅ How agricultural lending empowers credit unions to support small businesses in farming communities.✅ The role of credit unions in providing operating lines of credit and real estate loans for sustainable local food production.✅ Key challenges and opportunities in agriculture lending, including navigating commodity markets and risk management.✅ How credit union agricultural lending strengthens rural communities and supports America's food supply.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Phil's role at Pactola, a credit union service organization focused on agricultural lending, and describes his farming activities, including harvesting honey06:48 Phil explains the three types of agricultural lending: real estate loans, equipment loans, and operating lines09:48 Discussion on how credit unions in rural communities can leverage credit union agricultural lending to support farming as community banks consolidate11:56 Phil outlines the challenges in agricultural lending, including assessing small business balance sheets, succession planning, and external risks such as commodity markets and weather17:45 Discussion of beef prices, carryover debt, the One Big Beautiful Bill, inflation, interest rates and oil pricesKEY TAKEAWAYS:

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Episode Summary In this episode of With Flying Colors, I sit down with Mark Ritter, CEO of Member Business Financial Services (MBFS) and host of Credit Union Conversations. Mark brings decades of experience in credit union business lending, having built MBFS from a three-person startup into a nationwide CUSO serving over 60 employees and credit unions across the U.S. and Puerto Rico.We dive into:The evolution of member business lending—from the early “Lewis and Clark” days to today's robust systems and strategies.The current lending environment: strong demand, liquidity challenges, and why stable employment remains the backbone of a healthy business lending program.The opportunities ahead, including refinancing booms as interest rates decline and five-year resets approach in 2026–27.The Federal Credit Union Act's unintended consequences and how the 12.25% cap on MBLs reshaped the industry.Shifting NCUA exam culture—from transactional reviews to portfolio management—and what credit unions must do to stay ahead.Why relationships and annual portfolio reviews matter more than ever in building safe, sound, and mission-driven lending programs.Mark also shares his perspective on where credit unions should focus their energy: serving small businesses, veterans, and underserved communities, while avoiding mission drift into mega real estate deals that don't align with cooperative values.Whether you're a CEO, examiner, or just curious about the future of credit union business lending, this episode delivers insight, history, and strategy from one of the industry's most trusted voices.Resources & LinksLearn more about MBFS: mbfs.orgListen to Mark Ritter's podcast Credit Union Conversations on all major platforms.Connect with Mark Ritter on LinkedIn.

Discover the credit union trends that are driving success in today's credit unions. Join host Mark Ritter on Credit Union Conversations as he and Keith Koval explore credit union loan volume growth and business lending participation loans, shaping the industry. This episode explores the evolving landscape of credit unions, highlighting trends that are transforming member services and community impact. Learn how credit unions are thriving in Western Pennsylvania and beyond. Discover strategies to navigate delinquency rates and leverage business deposits to overcome a liquidity crunch. Stay ahead with insights on credit union advertising and community service, driving growth and success.WHAT YOU WILL LEARN IN THIS EPISODE:✅ How loan volume is rebounding with new and repeat borrowers.✅ The impact of credit union advertising on market visibility.✅ Why business lending remains a steady growth driver.✅ The rise of participation loans and improved liquidity.✅ How community service strengthens credit union appeal.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Keith discusses the credit union advertising surge in Western Pennsylvania, boosting the loan volume uptick05:09 Participation loans up 102%, business loans are up 11% overcoming the recent liquidity crunch, reflecting a positive credit union trend10:14 Keith notes minor delinquency rates, not major foreclosures, aligning with credit union trends and business deposits up 8%12:17 Keith emphasizes a lower fee structure at credit unions compared to banks, a key advantage for attracting business deposits13:25 Mark discusses the rise of security fraud and phishing attacks targeting credit unions, urging vigilance within the credit union industryKEY TAKEAWAYS:

Calling all College Football fans, are you ready to kick off the season with some bold predictions? Want to know who's topping the Big 10 and SEC? Join us on this episode of MBFS Quick Hits, where Mark Ritter and Keith Koval from MBFS dive into the gridiron action. From Pittsburgh to Penn State, we're breaking down the teams to watch, like Alabama, Georgia, and Texas. Grab your game day gear and tune in for a chat that's all about the thrill of College Football!IN THIS EPISODE:(00:00) Intro: Meet Keith Koval(01:48) Keith shares his background as a Pittsburgh graduate and career path(04:10) Mark reflects on the joys of college football versus the NFL(06:02) Keith recalls childhood love for College Football, sparked by attending Pitt games(08:00) Predictions on the ACC and SEC for this year(10:54) Predictions on the Big 10(12:34) Notes Penn State's favorable schedule, key to winning the National Championship(15:07) Keith predicts Notre Dame in the National Championship, suggesting the winner of Ohio State vs. Texas is the other National Championship finalistKEY TAKEAWAYS:Penn State and Ohio State are predicted to lead the Big 10. Mark Ritter points out Penn State's loaded roster as a National Championship contender. At the same time, Keith Koval highlights their favorable schedule.In the SEC, Alabama, Georgia, Texas, LSU, and Mississippi are top picks, but Keith Koval notes their demanding schedules could impact National Championship chances.Clemson, Miami, Georgia Tech, Louisville, and SMU are Keith Koval's top ACC teams, with MBFS's Pittsburgh-based expert predicting a strong season driven by new coaches and key transfers.RESOURCE LINKS:Mark Ritter - WebsiteMark Ritter - LinkedInKeith Koval -| LinkedInKEYWORDS: College Football, Credit Unions, Business Lending, MBFS, Keith Koval, Mark Ritter, Pittsburgh, Penn State, Alabama, Georgia, Texas, LSU, Clemson, Miami, Georgia Tech, Louisville, SMU, Big 10, National Championship, Notre Dame, Football Season, Game Day, ACC, SEC

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

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

Are you interested in the latest trends in the participation marketplace? Want to learn how credit unions are changing the lending landscape? In this episode of Credit Union Conversations, host Mark Ritter chats with Tom Halliday, Vice President of Lending Sales at MBFS, to discuss the state of consumer lending in mid-2025. From the surprising member-focused approach of credit unions to the importance of clear communication in simplifying the loan process, this episode explores what drives success in lending today. Tune in for insights on overcoming business lending challenges and succeeding in a competitive market!IN THIS EPISODE:(00:00) Intro: Meet Tom Halliday(02:24) Tom Halliday's origin story, detailing his transition from consumer lending to joining MBFS as Vice President of Lending Sales(03:18) Discussion of the member-focused approach of credit unions, contrasting it with the profit-driven mindset of commercial banks(07:23) Discussion shifts to the state of the lending market in 2025(13:15) Communication is key to a smooth loan process; clear expectations and complete borrower information will avoid delay(19:15) Key factors for successful credit union lending programs are outlined(21:11) The participation marketplace is described as highly competitive, with more credit unions looking to buy KEY TAKEAWAYS:Credit unions prioritize member relationships, focusing on understanding borrowers' stories and goals, unlike commercial banks, which often treat borrowers as numbers.Effective communication is crucial for seamless loan processes, ensuring clear expectations and prompt responses between borrowers, relationship managers, and credit unions.The participation marketplace is highly competitive in 2025, with more credit unions seeking to buy loan participations than available opportunities, requiring quick responses to secure deals.RESOURCE LINKSMark Ritter - WebsiteMark Ritter - LinkedInTom Halliday - MBFS Tom Halladay 302-545-3424

Ready to dive into the wild world of credit union predictions? Want to know what's next for the financial landscape in 2025? Join host Mark Ritter and COO of MBFS Jeff Lyons in this lively episode of Credit Union Conversations as they toss out bold forecasts for the rest of the year! From the chaotic twists of the NCUA board saga to the buzz around potential interest rate cuts by the Federal Reserve, Jeff and Mark unpack what's shaking up the industry. Expect spirited banter on how tariffs might play out as a cheeky negotiation tool and why the loan marketplace is hotter than a summer barbecue. Tune in for a quick, fun ride through the economic crystal ball!IN THIS EPISODE:(00:00) Introduction(01:14) Discussion on NCUA board chaos, highlighting legal ambiguity in removing board members, predicting Supreme Court resolution(04:25) Prediction on interest rates, expecting a half-point Federal Reserve cut by year-end (06:41) Tariffs discussed as a negotiation tool and the budget deal in Congress (11:15) Discussion of the loan marketplace outlook for credit unions and home values(13:00) Focus on SBA loans and home-based businesses, predicting a boom in startups due to economic conditionsKEY TAKEAWAYS: Legal uncertainty surrounds the removal of NCUA board members, which is likely to be upheld after Supreme Court appeals.Anticipated a half-point Federal Reserve interest rate cut by year-end, with stable inflation and low unemployment.Tariffs are being used as a negotiation tool, with minimal impact on trade, and modest 10% tariffs are expected, particularly on manufacturing from China.RESOURCE LINKSMark Ritter - WebsiteMark Ritter - LinkedInJeff Lyons - LinkedInKEYWORDS: Credit Union, MBFS, NCUA Board, Interest Rates, Federal Reserve, Inflation, Unemployment, Tariffs, Negotiation Tool, Trade, Loan Marketplace, SBA Loans, Home-based Businesses, Budget Deal, Economic Conditions, Supreme Court, Business Startups, Consumer, Tax Cuts, Credit Union Predictions, Financial Landscape 2025

Welcome to Credit Union Conversations. Host and CEO of MBFS, Mark Ritter, dives into the world of business lending with Chief Administrative Officer Ellen Thorn. In this episode, they reflect on MBFS's impressive growth from $750 million to nearly $3 billion in assets and explore Ellen's professional journey to her pivotal role at MBFS. You'll gain insights into building strong third-party relationships through effective communication, respect, and trust, as well as strategies for successful portfolio management. Additionally, Ellen shares her perspective on navigating regulatory challenges, including risk management and cybersecurity, offering a glimpse into the future of the credit union industry.IN THIS EPISODE:(00:00) Intro: Meet Ellen Thorn(01:35) Ellen's career journey and her current role at MBFS(03:22) MBFS has grown from $750 million to nearly $3 billion in assets(06:49) The importance of communication, respect, and shared goals for successful partnerships(09:19) Communication breakdown and loss of trust are common issues in third-party relationships(15:51) Ellen highlights the importance of relying on MBFS and constant communication for smooth portfolio management(23:27) Ellen outlines regulatory focus on risk management, compliance, and cybersecurity and gives her thoughts on the futureKEY TAKEAWAYS: MBFS has grown significantly from $750 million to nearly $3 billion in assets under management, with staff increasing from 16 to over 50, reflecting substantial organizational and geographic expansion.Successful third-party relationships rely on communication, mutual respect, and shared goals, with proactive engagement and trust being critical to smooth operations.Effective portfolio management requires constant communication and customization. Credit unions that actively engage with MBFS experience smoother operations compared to those that don't.RESOURCE LINKSMark Ritter - WebsiteMark Ritter - LinkedInEllen Thorn - LinkedInBIOGRAPHY:Ellen Thorn is a finance and accounting professional with over 10 years of achievement within the commercial real estate finance and funds management industries. Extensive experience working in middle and back office operations, including risk management, legal, treasury, budgeting, trade support, investor services, IT, finance, and accounting. Excellent communicator with emphasis on building strong client relationships. Recognized as a resourceful colleague who engineers change and is committed to achieving corporate objectives.KEYWORDS: Credit Union, MBFS, Business Lending, Chief Administrative Officer, Communication, Commercial Real Estate, Asset Under Management, Growth, PPP Era, Communication, Trust, Third-Party Relationships, Portfolio Management, Due Diligence, Regulatory Environment, Risk Management, Cybersecurity, Loan Servicing, Client Reporting

Ready for a lighthearted break from business as usual? In this episode of Credit Union Conversations, host Mark Ritter sits down with MBFS COO Jeff Lyons for a fun and casual chat about summer vacations, Lisbon and the Netherlands, favorite conference destinations, the pros and cons of swag giveaways, and how their childhood summers compare to today's parenting. Whether you're into golf, beach days, or just need a few laughs, this episode has something for everyone.IN THIS EPISODE:(00:00) Intro: Meet MBFS COO Jeff Lyons(00:57) Mark recaps his Lisbon and the Netherlands vacation (02:38) Conference season wrap-up in Orlando and reflection on their favorite destinations (05:12) Discussion of the swag giveaways, determining they are ineffective marketing tools (07:03) Discussion of summer plans, wildlife sightings, and childhood summer memories(11:14) Modern parenting, grandparenting, and past parenting normsKEY TAKEAWAYS: Mark and Jeff reflect on their favorite (and least favorite) conference destinations, highlighting cities like New Orleans and Charleston for their food and culture, while expressing fatigue with places like Las Vegas and Destin in peak summer.Mark shares his distaste for promotional conference swag, calling it ineffective marketing, while Jeff admits he still enjoys collecting tchotchkes, though even he hasn't seen anything new or innovative lately.The conversation shifts to summer plans, from golfing and beach weekends to hiking and fishing. The two also reminisce about their vastly different childhood experiences, especially the freedom kids once had to roam unsupervised—something nearly unimaginable today.RESOURCE LINKSMark Ritter - WebsiteMark Ritter - LinkedInJeff Lyons - LinkedInBIOGRAPHY:MBFS provides credit unions with all aspects of business lending services.

MBFS CEO Mark Ritter and a guest from his team catch up on the latest happenings at MBFS, the credit union industry, and other odds and ends.IN THIS EPISODE:(00:00) Introduction: Meet Craig Page(02:54) New ways of making a positive customer experience(05:44) Outdated ways of advertising, the Sunday newspaper and Black Friday shopping(08:42) The new ways of networking and connection: LinkedIn and Social Media like TikTok(12:49) MBFS is hiring - reach out to Mark by video callKEY TAKEAWAYS: Digital transformation has shifted business lending from traditional methods, such as cold calling and print ads, to platforms like LinkedIn, enabling more authentic and efficient connections.Customer experience is now king. Instead of focusing on volume-driven sales tactics, successful business lenders prioritize building relationships and delivering a seamless customer experience, which drives long-term loyalty and referrals.As in-person meetings decline, adapting marketing strategies to virtual environments through video calls, social media, and personalized digital content is essential for staying relevant and competitive.RESOURCE LINKSMark Ritter - WebsiteMark Ritter - LinkedIn

Are you ready to rethink how young people approach money and build lasting financial confidence? Welcome to Credit Union Conversations, hosted by Mark Ritter, CEO of MBFS, a business lending CUSO serving clients across the United States and Puerto Rico. In this episode, Mark is joined by Todd Romer, who partners with credit unions to leverage his "Do Money Differently" financial education approach as a powerful tool to attract younger members. With paycheck-to-paycheck living at a record high of nearly 75% and rising, Todd's strategy challenges traditional financial advice, focusing on practical, transformative steps for young adults. Today, they'll dive into Todd's journey with Young Money University, the unique advantages credit unions offer, and actionable insights on investing and avoiding college debt traps.IN THIS EPISODE:(00:00) Intro(01:39) Todd Romer discusses Young Money University(05:20) Credit unions offer named savings accounts to save purposefully (09:36) You don't have to be an expert, start with a platform like Acorns(11:13) Upbringing shapes our money habits, set up a college budget and discuss career goals and costs(21.57) How to start investing in the stock market and its historical 10.2% annual return KEY TAKEAWAYS: Early exposure to investing shapes lifelong financial habits. To foster enduring financial confidence, begin teaching teens about money and investing. Providing young people with targeted financial education, emphasizing a distinctive approach to money management, is essential.Credit unions should emphasize their unique benefits, like named savings accounts, to attract younger members.Guide high schoolers to consider affordable education paths and discuss financial realities early to avoid debt. College debt is a growing concern, with many students unaware of cost-effective options.RESOURCE LINKSMark Ritter - WebsiteMark Ritter - LinkedInYoung Money University - WebsiteBIOGRAPHY:Todd Romer is passionate about financial education. He has helped thousands of people take on a new lease of life by providing them the exact steps to dream, save, spend, invest and give money DIFFERENTLY to reach goals/dreams. Todd also partners with credit unions to use DO MONEY DIFFERENTLY financial education as their most valuable marketing tool to drive younger membership growth.

MBFS CEO Mark Ritter and a guest from his team catch up on the latest happenings at MBFS, the credit union industry, and other odds and ends.IN THIS EPISODE:(00:00) Craig Page shares his professional background and responsibilities(01:57) Mark introduces a new, shorter episode format featuring MBFS team members(04:30) Mark and Craig discuss their moves from suburbia to rural areas(06:49) MBFS sees unexpected growth in 2025 in the CUSO(08:41) Craig explains the value of small credit unions in partnering with a CUSO like MBFS(10:32) Craig shares his reaction to the boom in lendingKEY TAKEAWAYS: The Credit Union Conversations podcast has introduced a shorter, more conversational format featuring "quick hitters." These episodes, airing twice monthly, will focus on current industry topics, updates from MBFS, personal anecdotes, and team insights, in contrast to their traditional long-form interviews.Despite expectations for a flat year, MBFS has experienced rapid growth, with seven new credit unions joining early in the year and 18 more in the pipeline. Loan volume has also increased, reflecting strong demand for its services.Smaller credit unions are increasingly entering the member business lending space but face resource and staffing challenges. MBFS offers a “plug-and-play” solution, handling everything from origination and servicing to loan workouts, making it easier for credit unions to scale without heavy internal investment.RESOURCE LINKS: Mark Ritter - WebsiteMark Ritter - LinkedInCraig Page - LinkedInMBFS, CUSO, Mark Ritter, Credit Unions, Growth, Lending, Origination, Servicing, Pipeline, Small Credit Unions, Team, Industry, Business, Partnerships, Future of Lending, Boom in Lending, Unexpected Growth, Partnering With MBFS, Services, Loan Volume, Business Lending

THE MBFS COO and resident SBA expert joins Mark today to try to make sense of the 2025 regulatory chaos. What's going on with the SBA? What changes are afoot? Are they good or bad for credit unions?IN THIS EPISODE:(00:00) Intro(01:48) Jeff Lyons' professional background and what has happened with SBA with the onset of the new administration(05:30) Discussion of lending fees and zero subsidy (08:00) Discussion of PPP Loans and non-bank, non-regulated lenders, delinquencies, and selling off SBA loans for a profit(15:49) Discussion of the stability of the SBA in uncertain times and what MBFS can do for a credit union to facilitate the SBA process(20:44) Jeff shares why SBA is beneficial for your credit unionKEY TAKEAWAYS: The SBA is shifting back to pre-COVID operations, reinstating previously waived borrower lending fees. This change aims to stabilize the SBA's finances, which had gone into negative cash flow due to fee eliminations during the pandemic.The new SBA Administrator, Kelly Loeffler, has brought staff back to in-person work and announced plans to streamline SBA operations. However, concrete changes in process efficiency are still pending, and a significant workforce reduction (about 43%) is underway to adjust for post-PPP staffing levels.Due to higher delinquency rates and lax underwriting standards in the SBA loan portfolio, non-bank fintech lenders are under increased scrutiny. As a result, future non-bank SBA lending licenses are unlikely, reinforcing the SBA's preference for traditional, regulated lenders like credit unions.Lender Service Providers (LSPs) like MBFS offer valuable assistance navigating the SBA loan process, but lenders must remain actively involved. LSPs can provide expertise and guidance to credit unions, helping them understand the requirements and streamline the application. However, the responsibility for the member relationship, underwriting, and overall loan management ultimately rests with the lending institution.RESOURCE LINKS: Mark Ritter - WebsiteMark Ritter - LinkedInJeff Lyons - LinkedInBIOGRAPHY: MBFS provides credit unions with all aspects of business lending services. Nu Direction Lending is an online financial technology company based in Feasterville-Trevose Pa. The company provides funding from $25,000 to $500,000 directly to small businesses through an automated lending platform.

Welcome to this episode of Credit Union Conversations with Mark Ritter, where we delve into the strategies that set credit unions apart in a competitive financial landscape. Today, Mark is joined by Bill McKenna from McKenna Marketing, who brings a wealth of experience from the advertising industry to the credit union space. Together, they explore the critical importance of building strong, core relationships with members, ensuring they feel valued and connected to their credit union. This connection is essential to prevent members from seeking alternatives and to maintain their loyalty. Bill shares actionable insights on branding, the challenges credit unions face in attracting and retaining members, and the evolving needs of the credit union community. Tune in as they discuss how a well-executed vision and a focus on member relationships can propel credit unions to the forefront of the industry.IN THIS EPISODE:[0:24] Mark invites the listener to check out MBFS, which is an a la carte service provider[1:22] Mark introduces Bill, and he shares his journey from the advertising business to the credit union space[6:22] Bill describes what McKenna Marketing does, and Mark and Bill discuss the evolving credit union from days gone by[10:29] Bill discusses four topics that will remove obstacles and make way for the growth of your credit union, and they discuss which credit unions need deposits and not loans[15:37] Bill outlines the problems credit unions are having in attracting new members and keeping the members they currently have[19:20] Discussion surrounding competition and rising to the top of the competition[25:04 Discussion surrounding the sales and service culture and the benefit of face-to-face consultationsKEY TAKEAWAYS: The branding of your credit union is critical for recognition to your communityA credit union must have a vision of where they are going, understand what opportunity looks like, and determine whether it can be a reality. Then, you must execute those ideasBuilding a relationship with members is the most essential thing a credit union can do. People want to know that you care about what's important to them, so create value in your marketing messageRESOURCE LINKSMark Ritter WebsiteMark Ritter LinkedInMeKenna Marketing - WebsiteBill McKenna - LinkedInBIOGRAPHY: My passion is to learn more about you and your companies' goals. I'm passionate about building relationships, starting conversations, sharing ideas, and adding value to your organization. I've learned first-hand that no one person has all the answers. I'll learn from you first then we will combine our knowledge, experiences and expertise with the right partners to magnify opportunities, empower growth, and achieve results.I've had the privilege of working with more than 500 credit unions and community banks nationwide on marketing and growth strategies. I don't know everything, but I've seen first-hand what works, and what does not. Every partner I've chosen to be part of McKenna Marketing Network brings a wealth of expertise, experience, vision and insights. It's not one size fits all - It's about identifying what works for you. My roles have including Art Director, Creative Director, and Vice President of Marketing and New Business Development for several marketing and advertising agencies located in New York, New Jersey, and Pennsylvania.I'm the former President

Send us a textNews flash: Every credit union does not have to use NCUA's National Credit Union Share Insurance Fund.Repeat: does not.Alas, federally chartered credit unions have no choice but to use NCUA's insurance product. But state chartered institutions do have a choice.Meet Theresa Mason, CEO of American Share Insurance which provides primary share insurance to around 100 state chartered credit unions in 10 states and it also provides excess share insurance to cover accounts up to $5 million and that's a product NCUA doesn't offer.American Share Insurance's Excess Share insurance subsidiary also is the insurer for the Military Banking Facilities aka Community Bank that now are operated by Navy Federal. NCUA said it couldn't insure this because the National Credit Union Act prohibits coverage of non credit union assets.The MBF operates 60 MBFs and 272 ATMs at DoD facilities overseas.  In the show Mason relates how her company scrambled to put together the needed coverage - it's a good story of innovation on the fly.Mason, in the show, talks about plans to expand American Share Insurance's footprint into more states.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

How does Julie get one of the most laid-back CEOs to organize the company and get the team focused? Find out when Julie and one of her most difficult engagements discuss the EOS process and benefits. IN THIS EPISODE:[0:26] Mark describes how Julie has been a catalyst for MBFS[3:22] Julie shares her background that has brought her to the position she holds today[5:36] Julie defines EOS (Entrepreneurial Operating System) and outlines the tools: Vision, Traction, Healthy and she describes the type of companies she works with. Mark describes his need for these services[9:13] Julie describes the types of issues companies are experiencing, and she discusses delegation and leadership[13:46] Julie shares how she approaches an established CEO[16:40] Discussion about the traction component and the correct approach to vision creation and problem-solving[23:51] Julie shares personal information about her life KEY TAKEAWAYS: EOS focuses on Vision, Traction and a Healthy environment for your businessWe live in a 90-day world, so leaders should meet every 90 days to ensure everyone is clear on the vision and analyze how the last quarter met those goals. An organization should set priorities for the next 90 days to ensure progress toward achieving the one-year plan, the three-year goal, and the ten-year targetEOS is a program that teaches leaders to create leaders and ultimately makes everyone in the organization responsible for some portion of the vision you have for your businessRESOURCE LINKSMark Ritter WebsiteMark Ritter LinkedInEOS - WebsiteJulie Markee - LinkedInJulie's Chicken BlogBIOGRAPHY: Julie Markee is a lifelong entrepreneur who started her first business at 12 when she was the go-to swimming instructor in her neighborhood. She graduated from the University of Washington with a degree in Chemical Engineering and began her career as a process engineer. While her engineering mind allows her to find the quickest path to achieve the desired results intuitively, her real magic is her excellent communication skills that help others see the path and dare to follow along with her. What's behind that magic? Her passion for people and her desire to help them reach their full potential. Julie is now an EOS implementer for companies nationwide--including MBFS.

What type of impact does credit union advocacy make? How important is it to the success of credit unions? Mark and Samantha Beeler of LSCU talk about everything that goes on at our trade associations outside of the conferences we attend. Also, what is the future of trade associations for credit unions?IN THIS EPISODE:[0:25] Mark provides information about the services of MBFS and how he began his position at a credit union[2:32] Samantha shares her background, what brought her to her current position and an overview of the LSCU[5:59] Samantha discusses how LSCU is an advocate for credit unions and how they lobby lawmakers about what credit unions are doing in their communities[8:30] Discussion surrounding the familiarity of senators and members of Congress with the credit union space and how to take that sentiment and turn it into policy, and the differences between the accessibility of state and federal officials[13:10] Discussion of topics the LSCU is currently fighting for[17:28] Discussion of why LSCU is thriving and ways for Credit Unions to benefit from the LSCU without attending a conference[23:43] Samantha talks about becoming a partner with the National Trade Association KEY TAKEAWAYS: LSCU represents the credit unions in Florida, Georgia and AlabamaThe Foundation is well known in the region because it helps with disaster response and professional development. The LSCU assists credit unions through a for-profit solution, advocacy or foundation solutionLSCU is rolling out a program called Communities over a Connect platform, a free way for credit unions to gatherRESOURCE LINKSMark Ritter WebsiteMark Ritter LinkedInSamantha Beeler - LinkedInSamantha Beeler - NewsletterBIOGRAPHY: Samantha Beeler is the President of the League of Southeastern Credit Unions (LSCU), the trade association for Georgia, Florida, and Alabama credit unions. She began her credit union journey at the Northwest Credit Union Association before transitioning to LSCU as its leader.

Today, Mark Ritter shares his insights on the state of credit unions and strategies for running a successful credit union. He discusses the challenges and benefits of working remotely and emphasizes building strong community relationships. Mark also offers his perspective on whether attending all available conferences is wise. His comprehensive analysis aims to guide credit union leaders toward sustainable success.IN THIS EPISODE:[0:24] Mark gives an update on his life and MBFS, and discusses working remotely for himself and how other businesses manage to work remotely[5:02] Mark invites the listeners to reach out to mritter@mbfs.org with topics and guest suggestions for future podcasts [9:04] How MBFS can help Credit unions who are struggling as a neutral third party, and Mark discusses working with Inclusive, a National Trade Association of Community Development Credit Unions[11:06] Mark discusses the need for SBA loans, and he advises making lasting relationships to ensure success in the credit union space and seeking out the 95% who are not using a credit union[17:15] Mark discusses being on the road going to conferences and his desire to see conferences educate the attendees and discuss topics to problem-solve issues[21:36] Mark wants to provide value to credit unions, and he appreciates you, the listenerKEY TAKEAWAYS: Mark is interested in providing content through his podcast that listeners want to hear, so if a listener has a suggestion for a topic or a guest, contact Mark.Credit unions will be successful if they work hard to build relationships. Don't rely on a large commercial loan to sustain you; instead, focus on the community, build relationships, and reach 95% of those not using credit union services.Conferences have become very expensive. It would be helpful to have more conferences that deal with the issues and problems a credit union faces rather than hear motivational speakers. RESOURCE LINKSMark Ritter WebsiteMark Ritter LinkedIn

On this episode of the Deal Farm®, Kevin and Ken speak with Mark Ritter, CEO of MBFS to discuss an unbelievably untapped market for investor loans - Credit Unions!  Most investors have no idea the potential to obtain financing on their next investment property!  Tune in to get the scoop!