Podcasts about ncua

We are releasing today on our podcast show a repurposed webinar which we produced on May 13, 2025 entitled “What is happening at the federal agencies (other than the CFPB) that is relevant to the consumer financial services industry.” During this podcast, we will inform you about recent developments at those other agencies, including the FTC, OCC, FDIC, FRB and DOJ (collectively, the “Agencies”) and the White House (through the issuance of Executive Orders). Some of the issues we consider are: •        What are the strategic priorities of the Agencies, including cryptocurrency (OCC, FRB and DOJ); reducing regulatory burden, promoting financial inclusion, embracing bank-fintech partnerships and expanding responsible bank activities involving digital assets (OCC); adopt a more open-minded approach to innovation and technology adoption (FDIC); public inquiry into anti-competitive regulations (FTC and DOJ); and regulation of AI technology, boosting protections for children and teens online and strengthening enforcement against companies that sell, transfer, or disclose Americans' geolocation information and other sensitive data to foreign adversaries, more emphasis on antitrust enforcement and less on consumer protection (FTC). •        What is the status of proposed or final regulations of the Agencies? (e.g., FTC CARS Rule, Click-to-Cancel Rule, Junk Fees Rule, and Rule banning Noncompetes; FDIC advertisement and brokered-deposit rules, OCC rule on bank mergers; and the Community Reinvestment Act final rule)? •        What is the status of enforcement investigations and litigation of the Agencies? •        What impact will staff cuts have on supervisory examinations? •        What is the impact of President Trump's executive order requiring the Agencies to obtain approval from the White House of all proposed and final regulations? •        Will the Supreme Court approve of President Donald Trump's firing of the Democratic members of the FTC and NCUA and other federal agencies (who have subsequently sued Trump to challenge the firings) and, if so, what are its implications? •        What is the significance of the FDIC and OCC agreeing to eliminate “reputation risk” as a basis for evaluating risks to banks? •        Will the OCC adopt a regulation or other guidance, or will Congress enact legislation pertaining to debanking/fair access? •        Will the OCC and/or FDIC issue any guidance or regulations pertaining to federal preemption of state law in light of the Supreme Court's opinion last term in Cantero and the impending Courts of Appeal decisions in Cantero, Kivett and Conti? •        What is the significance of the FDIC withdrawing its amicus brief in support of the Colorado Attorney General in the 10th Circuit in the lawsuit brought by industry against him challenging a Colorado statute which purported to opt out of Section 521 of DIDMCA? •        Will there continue to be fair lending and disparate impact enforcement at any of the Agencies? Alan Kaplinsky, former chair and now senior counsel of Ballard Spahr's Consumer Financial Services Group, moderated the presentations of the following other members of the Consumer Financial Services Group:  Scott Coleman, Ronald Vaske and Kristen Larson.

Send us a textToday's topic: How to Pass the NCUA Tech Audit (Without Losing Your Mind)The guest is Mike Robins, COO  at Dynamic Edge, a company that's helped many credit unions - particularly ones with assets between $25 million and $400 million - successfully navigate the NCUA Tech Audit which occurs “periodically,” according to the agency.Hear what's involved in the audit, how to pass it and - crucially - how to prepare for it.Robin's key point: prepare and you won't lose your mind.Interesting, too, is that NCUA provides cheat sheets for the Tech Audit on its website.  Robins tells where to find them and how to use them.  He also tells if the auditors are in fact following the cheat sheets.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

Send us a textIs this the twilight of the golden age of credit unions? On the show to discuss exactly that question is Jim Blaine, the now retired longtime CEO of SECU, the second biggest credit union in the country.  Blaine may be retired but he still has opinions about credit unions, as evidenced in his blog, SECU - Just Asking!In this podcast Blaine also digs deep into the question: what exactly is a credit union? We also talk about democracy in credit unions and often the lack thereof.Recently Blaine has been sparring with his old employer with the flash point being the institution's new leadership's desire to move to risk based pricing for loans.  Blaine is against that and successfully resisted it in his years as SECU's CEO.Blaine, definitely, is opinionated. But he also is - undeniably - a credit union champion. What he says may make you mad - it definitely made various NCUA employees mad.  But listen up because Blaine, very clearly, articulates a philosophy about credit unions that he didn't just spout, he lived in building SECU into a US credit union powerhouse.  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

Send us a textNo one has a richer background in credit union journalism than Frank Diekmann.  Over the past 35 years he has been co-founder and editor at Credit Union Times, publisher at Credit Union Journal, co-founder at CUToday, and now he is the founder of The CU Daily, a new publication that is the liveliest credit union pub in my opinion.Nobody has written more published words about credit unions than Diekmann.Diekmann has opinions.Longtime listeners probably think I'm opinionated.I am.But Direkmann can and does go toe-to-toe with me on a range of topics - credit union mergers, the future of small credit unions, the credit union federal tax exemption, the future of NCUA and lots more. There are even glimpses into the very future of credit unions - if there is one.This is a lively show and, remember, Diekmann has years of reporting experience that back up the opinions you'll hear.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

Currently, the FDIC and NCUA—apart from a limited number of state credit unions—maintain a government-enforced duopoly on deposit insurance. This webinar will explore whether the existing framework should be preserved or reformed, including the potential expansion of private deposit insurance beyond the few states that currently permit it for state credit unions to all banks […]

Currently, the FDIC and NCUA—apart from a limited number of state credit unions—maintain a government-enforced duopoly on deposit insurance. This webinar will explore whether the existing framework should be preserved or reformed, including the potential expansion of private deposit insurance beyond the few states that currently permit it for state credit unions to all banks and credit unions.Featuring: Dennis R. Adams, Principal, Dennis R. Adams Consulting; former CEO, American Share InsuranceMargaret E. Tahyar, Partner, Davis Polk & Wardwell LLPModerator: Bryan Schneider, Partner, Manatt, Phelps & Phillips, LLP

In this episode, NCUA Chair Kyle Hauptman discusses tech's role in credit unions. He highlights NCUA's open approach to digital assets, AI/blockchain use cases and DOGE's project to streamline the federal government.

With cryptocurrency's increasing popularity, it's crucial to be aware of the prevalence of crypto scams. Cryptocurrency is a digital currency that uses cryptography to secure transactions. However, the rise of crypto has also led to a surge in scams. It's important to stay alert to spot these scams and avoid falling victim to them.    Links: Report any crypto scams you encounter to any or all of the agencies below: https://www.fbi.gov/contact-us https://reportfraud.ftc.gov/ https://www.cftc.gov/complaint https://www.sec.gov/submit-tip-or-complaint/tips-complaints-resources/report-suspected-securities-fraud-or-wrongdoing https://www.ic3.gov/Home/Index Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union  Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.      One important thing to note about cryptocurrency is the U.S. government does not back it. If your crypto account gets hacked or the company that provides storage for your wallet goes out of business, your money is gone. The government has no obligation to step in and help you get your money back. In comparison, U.S. dollars deposited into an FDIC or NCUA-insured account are safe. Those coverages insure deposits up to $250,000 in the event of a financial institution failure.    That said, it's important not to fall for a cryptocurrency scam. Here are some common scams and their warning signs. First, suppose someone you're considering doing business with only accepts cryptocurrency payments. That should be a red flag, especially if the company demands that you send the payment before receiving any product or service.    A common crypto scam is an investment scam. If someone asks you to invest in a new crypto coin that guarantees quick and significant returns, it's most likely a scam. Crypto investment scams can come in many forms. A scammer might pose as an investment manager promising to make you rich if you buy cryptocurrency and transfer it to their account. They might even create a fake website to trick you further. It's also known that scammers have tried to impersonate celebrities, offering to multiply any cryptocurrency you send them. Scammers will also go on dating apps to find their targets. They might seem interested in you, but it's a red flag if they start talking about crypto and try to get you to invest with them.    Rug pull scams are also very common with cryptocurrency. Rug pull scams are when investment scammers pump up a new NFT or coin to raise funds. Once they get the money that people invested, they disappear. The way these "investments" are coded prevents people from being able to sell or trade them, making them effectively worthless.   Another crypto scam is when fraudsters impersonate a business or the government. They might say they're from Amazon, EZ-Pass, or even your financial institution and claim that there's fraud on your account or your money is at risk. They'll say that to fix the issue, you have to send them crypto. Don't click links or respond to their messages; it is a scam.   One last crypto scam is blackmail. Scammers might contact you saying that they have compromising photos, videos, audio, or information about you. If you don't send them crypto, they'll send it all to your friends, family, place of work, and school. Don't do it and report it to the FBI immediately.    If you encounter a crypto scam, there are a few things you should and shouldn't do. First of all, don't engage with the scammer. Many of these scams are mass messages that the scammer sends out and are not explicitly targeted at you. Responding to the scammer lets them know you exist and can be targeted for their scam. What you should do is ignore the message. You can also report the fraud to multiple places, including the Federal Trade Commission, the Commodity Futures Trading Commission, the U.S. Securities and Exchange Commission, the Internet Crime Complaint Center, and the cryptocurrency exchange company you encountered the scam on. Links to all of these resources will be available in the show notes.  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.         Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

Send us a textPeter Duffy's message is plain: The pace of mergers will get fatter and it will involve credit unions of all sizes, from the small to the mega institutions. First Tech and DCU may seem an outlier but now there is ENT and Wings and the pace will keep up, says Duffy who now has joined SRM.Will the chaos and uncertainty in Washington DC slow the merger pace? Duffy thinks not, indeed the pace may quicken.That's because, says Duffy, economies of scale are now the Holy Grail of financial institutions.  Bigger is a competitive advantage, he says.He does make one surprise prediction: he believes the number of credit unions deals with banks will decrease.  Listen to hear why (and it doesn't have much to do with ICBA's caterwauling).Listen up.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

Send us a textThis show is a proof to me that my insistence on doing podcasts without written questions in hand or a script is the right way.I agreed to this show - a talk with Michael Crowl, ceo of $4 billion Austin Texas based UFCU - because I'd heard he had been developing an interesting strategic plan.At many credit unions there are strategic plans but often they aren't interesting and often, too, nobody pays any attention gto them anyway.Supposedly UFCU and Crowl, who has been at UFCU for 20 years and has been CEO since September 2022, were different.Indeed they are.But pretty quickly we veered off the plan and dove into how this guy had risen to the CEO job at a very big credit union.  He grew up in government housing.  He worked his way through the University of Houston.  Then he went into investment banking, earned a good score and then - he went into teaching math at a high school.A few years later he happened into a job at UFCU and fell in love with what a credit union is and could be for its members.In the show I even ask the hardest question to throw at a CEO - when did you decide you wanted to be CEO and how did you get there?  And Cowl gives a simple but honest answer.I ask an even harder question: is this your last job?It's a great show - and I had no idea it would turn out this way.  But that's the magic of doing this work this way.  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

Welcome to Credit Union Conversations. I'm Mark, and today's episode will be a little different. I don't usually record podcasts like this, but sometimes you just need to talk through what's been on your mind. There's been a lot happening in the business lending world, and I've been reflecting on where things stand—what's working, what's shifting, and what credit unions need to be paying attention to right now. This is more of a pulse check, a chance to unpack the momentum and opportunities ahead. So, thanks for joining me for this more personal take—I'm looking forward to getting into it with you.IN THIS EPISODE:(00:00) Introduction(00:49) Mark shares what's on his mind in the credit union space(02:41) Business is up this first quarter(06:16) The shrinking base of credit unions and the pay-for-play model of conventions(12:17) The CFPB and the CDFI and the NCUA(17:11) The changing culture of the credit union and what can be doneKEY TAKEAWAYS: Business lending is experiencing a resurgence, with increased demand from small businesses and credit unions. It's proving to be a reliable income stream even amid economic fluctuations, offering more stability than consumer loans and mortgages, which have been impacted by interest rate volatility and market changes.There is a growing need for stronger portfolio management and compliance resources due to rising—though normalizing—delinquencies and heightened regulatory expectations. The competitive landscape is also intensifying, with more entrants vying for a shrinking pool of credit unions, leading to thinner margins and greater pressure on service providers.Industry conventions, especially larger ones, are becoming less effective for meaningful engagement. The consolidation of major trade organizations has shifted event participation to a pay-for-play model, limiting visibility for value-driven providers. This, combined with rising costs, is prompting a reevaluation of outreach strategies and event participation.RESOURCE LINKSMark Ritter - WebsiteMark Ritter - LinkedIn

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Presidential Power and Independent Agency Autonomy: The 2025 NCUA Board Removal CaseI. Legal and Constitutional FrameworkA Constitutional Showdown BeginsFrom "At Pleasure" to Independence: The 1978 RestructuringThe Humphrey's Executor Precedent: Protecting Independent AgenciesUnitary Executive vs. Congressional DesignThe Narrowing Path of Agency IndependenceSwan v. Clinton: The Precedent That Wasn't Quite50 Years of Respect for Fixed TermsII. The NCUA's Specific Structure and FunctionsThe Removed Regulators: Harper and OtsukaThe NCUA: A Core Financial RegulatorExecutive Function or Independent Regulation?The NCUSIF: Owned by Credit Unions, Not GovernmentThe Central Liquidity Facility: A Link to TreasuryOperating Without a QuorumFinancial Stability at StakeIII. Litigation Strategy and Broader ImplicationsSix Legal Theories for VictoryDavid vs. Goliath: The Legal TeamThe Long Road to the Supreme CourtBeyond NCUA: Implications for the Administrative State

Conservatorship: When NCUA Removes the Board & What You Need to KnowEpisode Summary:In this special episode, hosts Mark Treichel, Steve Farrar, and Todd Miller dive into the high-stakes world of NCUA conservatorships—when the agency steps in to remove a credit union's board and take control. Drawing from their extensive experience handling some of the largest conservatorships in NCUA history, they provide insider insights on:What conservatorship means and when it happensThe role of the NCUA as both regulator and conservatorWhy NCUA often opts for conservatorship over cease-and-desist actionsThe challenges of managing a conservatorship from both a regulator's and a credit union's perspectiveSuccess stories and lessons learned from past conservatorshipsThe hosts reflect on the intensity, challenges, and rewards of the conservatorship process, including the balance between protecting the NCUSIF (National Credit Union Share Insurance Fund) and serving credit union members. Whether you're a credit union executive, regulator, or industry observer, this episode delivers valuable insights into one of the NCUA's most powerful enforcement tools.Key Quotes:

Live from NACUSO's Reimagine conference Glen speaks with the co-founders of Next Big Idea competition winner Goodbuy, Cara Oppenheimer and Cary Fortin. CUSO lawyer Brian Lauer shares his insights on the rapidly evolving regulatory landscape, and then as if on cue the tectonic plates shift….   Links related to this episode:   Goodbuy: https://www.trygoodbuy.com/   Messick, Lauer & Smith: https://www.cusolaw.com/   NACUSO: https://www.nacuso.org/   Our recent interview with Next Big Idea runner up Scamnetic: https://www.big-fintech.com/scams-grievances-and-the-enduring-value-of-trust/    The CU Daily's ongoing coverage of the NCUA board upheaval: https://thecudaily.com/white-house-reportedly-fires-two-democrats-on-ncua-board/   Glen's reflections on the NCUA commotion: https://www.big-fintech.com/honey-i-shrunk-the-ncua-board/   The NCUA's memo claiming it can function with a single board member: https://ncua.gov/newsroom/press-release/2025/ncua-releases-staff-message-current-ncua-board   Former NCUA Board Chair Dennis Dollar's perspective from a similar 2001 situation:  https://www.cutoday.info/site/Fresh-Today/Single-Member-NCUA-Board-Not-Unprecedented-Chairman-Has-Authority-To-Act-As-The-Board-Says-Former-NCUA-Chairman  Join us on Bluesky!  @bigfintech.bsky.social;  @154advisors.bsky.social (Glen); @jbfintech.bsky.social (John) And connect on LinkedIn for insights like the Friday Fintech Five: https://www.linkedin.com/company/best-innovation-group/  https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/The NCUA's boardroom has been rocked. Two board members fired. DOGE staff roaming the halls. Rumors of a regulatory consolidation swirl. In this must-hear episode, Mark Treichel is joined by former NCUA Board Member Geoff Bacino and former NCUA Congressional Affairs Director John McKechnie to unpack one of the most chaotic weeks in recent credit union regulatory history.From unprecedented dismissals to the looming question of NCUA's independence, we cover:

Live from NACUSO Reimagine in Las Vegas, this episode tackles one of the most disruptive weeks in credit union oversight, offering a real-time gut check on leadership, advocacy, and opportunity in a time of uncertainty.In this episode of Grow Your Credit Union, host Joshua Barclay is joined by co-host Becky Reed and guest Dan Daggett, Chief Strategy Officer at Credit Unions First, to talk about the unexpected NCUA terminations, what deregulation could unlock, and how to make smarter tech investments through CUSO collaboration.Listen now to stay ahead of what's shaping the movement.

Elizabeth Ergubian, partner at Atlas Advocacy and former Director of External Affairs and Communications Policy Advisor for the NCUA, sheds light on what the abrupt removal of NCUA Board Members Todd Harper and Tanya Otsuka means for the agency and credit union industry.  Also, to lighten the mood, Michael, Natasha, and Producer Zach play a rousing game of NCUA Madlibs.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/White House press secretary Karoline Leavitt defended the firings, saying, “President Trump is the chief executive of the executive branch and reserves the right to fire anyone he wants.”Warren:“President Trump just fired two Board Members at the National Credit Union Administration in his continued attack on American consumers. This is the latest attempt by Trump to skirt the rule of law, undermine independent agencies, and illegally purge the government of those who work for the American people.”

Send us a textOn the show today is Peter Rice, CEO of Hanscom Federal Credit Union, a  $1.9 billion institution headquartered in Boston that took flight in 1951 at Hanscom Air Force Base.  Rice is a repeat guest.  His first appearance came in 2021 when he was Chief Banking Officer at Workers Bank.  That episode has been reposted as Greatest Hit #25.  On this show Rice's mind roams across the many issues credit unions are now wrestling with - the possible loss of the federal income tax exemption, possible changes at NCUA in the DOGE restructuring of Washington DC, the retirement of America's Credit Union's CEO Jim Nussle, Hanscom's acquisition of The People's Bank (Mayland), pending regulatory approval, and a new WealthTrek facility in Government Center, Boston that is reimagining banking today and tomorrow.But there's more. We also talk about Rice's walks on the Camino de Santiago, where he has three times earned a compostela,  a certificate of completion, and he muses about writing a management book about the Camino.  By the way your podcast host has earned two Camino  compostelas, in separate walks.And there's even a detour into the political history of Ireland, where Rice grew up.This is a show with lots to unpack.Listen up.  And listen again.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

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Episode Overview:In this episode of With Flying Colors, Mark Treichel tackles two hot topics ahead of the upcoming NCUA Board meeting:The Staff Buyout Program: With 145 FTEs already accepting voluntary separation packages—roughly 12% of NCUA's workforce—Mark explores the deeper implications. Could the agency be targeting a symbolic sub-1,000 FTE threshold? Poll results and inside intel help paint the picture.The Wildfire Relief Briefing: Mark offers context for why the interagency appraisal relief rule—issued in January—is now being briefed to the NCUA Board in April.Plus, a timely listener tip leads to a discussion of Treasury Secretary Scott Bessant's recent remarks about reshaping regulatory culture—calling for more transparency, better tailored supervision, and a possible redefinition of "safety and soundness."

Episode Summary: In this episode of With Flying Colors, host Mark Treichel is joined by former NCUA capital markets expert Todd Miller to discuss the latest updates to NCUA's Interest Rate Risk (IRR) Supervisory Framework. Following NCUA's recent stakeholder webinar, we break down key takeaways, including changes to risk categorization, the elimination of the extreme risk rating, and how these updates impact credit unions navigating today's economic landscape.What You'll Learn in This Episode: ✅ The history and evolution of NCUA's NEV framework ✅ Why NCUA eliminated the “extreme risk” category and what it means for credit unions ✅ The role of examiner judgment in assessing interest rate risk under the new guidance ✅ How credit unions can mitigate risk and avoid a Document of Resolution (DOR) ✅ The growing importance of liquidity management and how credit unions should prepare ✅ Why examiner scrutiny of IRR is increasing, despite the removal of automatic DORsKey Takeaways from the NCUA Webinar:

Send us a textI'd expected this to be an AI free show but, let's face it, that just isn't likely in 2025 but the good news is that in the show Pete Major,  vice president of fintech services at CUSO MDT, offers concrete AI use cases at work in MDT and he also, importantly, offers cautions about security and the leading AI tools.In a rush to stay abreast of the fast moving AI universe are some credit unions losing sight of the need to be very sure of the security of the tools they use? Maybe.Major provides tips on how to stay secure while still using AI tools..But there's a lot more in this show.We talk for instance about the need of CUs to keep security in mind when using any technology tools.  If there are flaws - and there have been some doozies in recent years - it's the credit union that will be saddled with the bulk of the blame.On a happier note Major discusses a suite of tools for small business members at credit unions - and, he says, demand for the tools is very hot.  Is offering good tools a path to winning more business members? Just maybe.We close the show pondering what the developments in Washington DC - anything from an end to credit union tax exemption to an end to NCUA - might mean for credit unions and also the rising CU interest in merging.There's a lot to unpack in this show.  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

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/A quick-hit episode this week! Mark shares thoughts on Duke's March Madness collapse, the rise of Rodney Hood at OCC, Jim Nussle's pending retirement, and NCUA's buyout offers. Plus, a few takes on market volatility, sub debt approvals, and the ever-shifting dynamics at the NCUA Board.Topics Covered:Duke's tourney loss and dynasty hateRodney Hood's possible FDIC moveJim Nussle's retirement newsNCUA staff buyouts and exam slowdownsThe case for sub debtMarket drops and flight to quality

Episode Title:NCUA: Can You Put That in an Examiner Finding, Not a DOR?Episode Summary:In this episode of With Flying Colors, host Mark Treichel is joined by Steve Farrar and Todd Miller to unpack the complexities of NCUA examinations, examiner findings, and documents of resolution (DOORS). They dive into what makes an issue rise to a DOOR, how credit unions can negotiate findings, and why corporate governance is becoming a focal point in exams.With their decades of experience inside NCUA, Mark, Steve, and Todd share insights on how credit unions can better navigate the regulatory process, avoid unnecessary compliance burdens, and strengthen their governance structures. If you've ever wondered why something lands in a DOOR rather than an examiner finding, this episode is for you!Key Topics Covered:✔️ What qualifies as an examiner finding vs. a DOOR? ✔️ How credit unions can respond to and negotiate with NCUA ✔️ The rising focus on corporate governance in examinations ✔️ How unresolved examiner findings escalate over time ✔️ The role of supplementary facts in the examination process ✔️ Understanding regional director letters and enforcement trendsGuest Information:

Episode 583: Global markets are stirring—tune in as Abbie and Justin explain why diversifying with international stocks could be a smart play. Next, Abbie and Justin explain how FDIC, NCUA, and SIPC protect your money. Discover what's covered and how these safeguards work for you.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/ Episode Summary: In this episode of With Flying Colors, host Mark Treichel is joined by Steve Farrar and Todd Miller from Credit Union Exam Solutions to discuss the serious implications of a CAMEL Code 4 rating. A downgrade to CAMEL 4 signals significant risk and increased regulatory scrutiny. What does this mean for your credit union? What immediate actions should management and the board take? How does this impact borrowing, liquidity, and operations? Get expert insights into navigating the challenges of CAMEL 4 and what steps to take to get back on track. What You'll Learn in This Episode: ✅ What is a CAMEL Code 4? Understanding why it's a major red flag ✅ How NCUA views CAMEL 4 credit unions and why they ramp up oversight ✅ The consequences of a downgrade – more frequent exams, lost privileges, and reputational risk ✅ NCUA's administrative actions – what happens when you receive a Letter of Understanding & Agreement (LUA) ✅ How a CAMEL 4 affects your liquidity – Federal Reserve & Federal Home Loan Bank implications ✅ The impact on borrowing & collateral requirements ✅ The role of the board in a CAMEL 4 credit union – what's expected of leadership ✅ Can a CAMEL 4 credit union recover? Strategies for improvement Key Takeaways: 

Send us a textHopeful.Determined.In a conversation with Renee Sattiewhite, the CEO of the African American Credit Union Coalition, she came across as both hopeful and determined.  And she believes there still is work to be done and she definitely is not giving up.  Definitely she knows the landscape in today's Washington DC is dramatically different but she does not see that as a call for waving the white flag of surrender.Along the way you'll hear mentions of some of the great heroes of AACUC such as Bill Porter and Bert Hash Jr. and Bill Bynum.  But you'll also hear the names of many very successful women.The ancient Greek philosopher Heraclitus said you can't step into the same river twice, change is our constant. So it definitely is today and Renee Sattirewhite is determined to contribute her views on the kinds of changes we need to be making.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

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/In this episode of With Flying Colors, host Mark Treichel is joined by Steve Farrar and Todd Miller to analyze the latest trends shaping the credit union industry in 2024. They dive into the recently released NCUA data, discussing multi-year trends, economic pressures, and how credit unions are navigating challenges such as rising delinquencies, declining net income, and shifting liquidity conditions.Key Topics Covered:✅ Multi-Year Credit Union Trends – How decisions made during COVID-19 continue to impact the industry today ✅ Rising Credit Risk & Loan Performance – What's driving the surge in credit card and auto loan delinquencies? ✅ NCUA's Supervisory Priorities – Where examiners are focusing their attention in 2024 ✅ Liquidity & Interest Rate Risk – How credit unions are adjusting to changing market conditions ✅ Earnings & Profitability Pressures – Understanding the impact of fee income declines, provision for loan losses, and economic uncertainty ✅ Regulatory Challenges & Mergers – The latest data on credit union consolidations and how they compare to community banksRecent Exam Trends:

Welcome back to the Husker Doc Talk Podcast. On this episode, Travis Justice and Doctor Rob Zatechka welcome former Husker great Adam Carriker in the studio. Lots of college football talk in this episode from the possibility of a spring practice against another team to the restructuring of the college football playoff.  Adam is no one to shy away from a strong opinion and this conversation is a must listen all the way through. Please support our sponsors: This podcast would not be possible without the generosity and support of our sponsors. Gdefy Shoes Like Gdefy Shoes and their patented VersoShock technology absorption, body alignment, and trampoline-like energy, Gdefy shoes are perfect for any activity. They offer a 60-day money-back guarantee, unmatched comfort, and two free orthotics. The holiday season is here, so save money by getting 50% off an order of $120 or more by entering the promo code DOCTALK50 at checkout at Gdefy.com. Husker Hounds Speaking of the holidays, get the Cornhusker fan in your family the best Nebraska gear at Husker Hounds. There are two locations in the Omaha area, and you can find them online at HuskerHounds.com.  The Orr Law Group The legal process can be intimidating. Let the experts at Orr Law Group help you navigate the court system. They handle all types of litigation. Connor Orr and his team are compassionate and caring lawyers who provide a positive and experienced representation to their clients. Get more information from the Orr Law Group.  Centris Federal Credit Union For all your banking needs, turn to Centris Federal Credit Union, the official sponsor of the Doc's Diagnosis. Discover the benefits of membership at Centris Federal Credit Union, member NCUA.  Husker Max Husker Max provides the best Nebraska football and sports information. They distribute this podcast weekly and are the go-to source for all Husker news. 

 So You're a CAMEL Code 3 – Now What? 

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/NCUA Predictions: What Will the Do in 2025?Treichel: [00:00:00] Hey everyone, this is Mark Treichel with another episode of With Flying Colors. Today I am flying solo and I am calling this podcast something like what I expect from NCUA in 2025. In preparing for today's show, I took some notes going back and looking at NCUA's Agenda from their board action taken in 2025 and am gleaning based on the Trump administration and the Helpman leadership.What may or what may not happen in 2025 compared to 2024. When you go back and look at 2025. They had canceled two board meetings. So that was one takeaway. They canceled the March, 2024 board meeting, which was the first time in a long time that that had happened. And they canceled the June, 2024 meeting.So this was under then [00:01:00] chairman Todd Harper, who is now a board member at large, although he came close to being named vice chair, and you can check out some of my past podcasts for discussions on why that may have blown up anyway. It things continue to blow up at the board level, but I'll get to that here shortly.All right. They canceled 2 board meetings and they held for N. C. U. S. I. F. share insurance fund briefings. I report on those quite a bit here and on linked in because that's 1 of the few windows to generic camel code ratings. You can see when camel code ratings go up and they did 4 of those. in 2024.I'm expecting they'll do four of those in 2025. They did one cyber security update briefing and they did a new charter update and briefing and tip to what I might say in the future. I think there will be more briefings because I don't think the board will be acting on much because I don't think the board [00:02:00] is currently getting along because of the kerfuffle on NSF and overdraft fees.All right. So other things they did they did a proposed succession planning rule and a final succession planning rule. They did an incentive based compensation proposal, which I think will go nowhere in 2025. That was put out there because Biden's administration required it from all. Banking agencies and under the Trump administration there will be less or zero regulation.And I don't see them wanting to put proposals in on incentives. If you'd know what I mean. In July, there was a loan rate ceiling approval to. re approve utilization of the 18 percent rate. That's what they do every time. The trade associations come out saying you should allow that to go up or you should make it based on variability.If NCOA was ever going to raise it, it would have been last year and or the year before. They [00:03:00] didn't seize that opportunity because they thought it would have been egregiously harmful to credit unions and credit union members. I disagree with that, but they will vote on that again because they have to vote on it and they will likely just do what they've done umpteen years in a row, which is reaffirmed the 18%.I expect that to happen in July again. All right. What else is going to be happening? Potentially, they did have a board appeal in August. By the way, they typically don't have open board meetings in August. That was a closed a closed item where a credit union appealed something without revealing what I know relative to that.That was a field of membership appeal. There was a fair hiring and banking proposal, which doesn't need to repeat in 2025. They simplified the insurance rules. And then when you get close to the end of the year, what happens at the end of the year and CUA approves their budget. But before they approve their budget, they do a budget briefing.A little [00:04:00] bit of history on the budget briefings. The budget briefing started when I was the deputy executive director and they were started by Dennis Dollar. And I remember saying to that executive director, Len Skiles, if you do this, Make sure you want to do it and it was for transparency. But once you start something, it's very difficult to stop it.And I'll get to that and why I'm making that point. I'll get to it now, but I'll refer to it again. So NCOA did stop it. I believe it was under the Matt's administration and the trade associations got upset because that was their opportunity. One of their opportunities to show value saying your budget's too high.Here's why we think it's too high. And through assistance from Senator Mark Warner in Virginia, they were able to get the Federal Credit Union Act proposed, requiring NCUA to do a budget briefing. They are required to do a budget briefing. I believe they will do a budget briefing. I'm not so sure they will do a budget.They're not [00:05:00] required to do a budget, and they are required to do a budget briefing. They're not required to do a budget, and that's because there is a two year budget. So I'll get to that and why I think that they may not do a budget when we walk through what I think will happen in totality in 2025. The NCOA approved their annual performance plan, which is linked to their strategic plan, already in January.That was one of the last things they did prior to Hauptmann taking over. So they don't need to do that annual plan, but they do need to do another strategic plan, and that would be due by the end of 2025 for the years 2026 through 2030. Will they do that? We will see. All right. So when you look at what is going to happen and what I predict will happen in 2024, that's a little bit about what happened.What I'm predicting in 2024 is that the theme of canceling board meetings will continue. They, as I mentioned, they canceled March and June. I'm [00:06:00] expecting that they may cancel April or May. Or June or July, I don't believe they're going to have enough briefings to keep an agenda full. I don't believe they're going to agree on enough things because of the arguments they're having about about NSF fees and overdraft fees being reported by over a billion dollar credit unions.There's two approaches here. Kyle Hauptman canceled and changed the. Way that billion dollar plus credit unions were going were reporting for three quarters on NSFs and overdrafts saying that it's overkill and it's onerous on the credit unions, et cetera, et cetera, and that they would be looking at that during part of the examinations and then after he announced that at GAC and then.Board member Harper and board member Otsuka came out with their own press releases, and I understand they did a full court press on [00:07:00] Capitol Hill on the topic and came out saying that what's wrong with transparency? There should be transparency here. Why are you stopping something that was started and that credit unions had been providing and that's bad for members?So that's the nexus I wanted to say where I mentioned with Dennis Dollar that when he started the budget briefings, I thought they would never be stopped. And it's hard to stop something when you do. What happened? Debbie Matt stopped the budget briefings, and then lo and behold, the Federal Credit Union Act was changed and INSU 8 was required.to do that. So at some point, whether it's when the next time there's a D in the White House or there's a D in running the Dems have control of Congress. And the White House, you're going to see more on the fee situation. You're going to see NCOA go back to collecting this data. Will it be in 4 years?Will it be in 8 years? Will it be sometime sooner than that? [00:08:00] My guess is not before the four year period. I can't see how it went flip floppi...

The latest episode of MCUL's podcast series, Credit Unions, Coffee and Conversation, features guest John Kutchey, Eastern Regional Director, NCUA. Kutchey talks with MCUL CEO Patty Corkery about following his passion over money, what he's seeing with mergers recently and how the NCUA is supporting credit unions amidst an evolving landscape.

Episode Summary:In this episode of With Flying Colors, Mark Treichel, along with industry experts Steve Farrar and Todd Miller, discuss a growing trend—NCUA requesting private meetings with credit union boards. What does it mean when regulators ask to meet without management present? Should boards be concerned? And how should they prepare?With decades of NCUA experience, Steve and Todd share insights into:✅ Common reasons why NCUA requests board-only meetings✅ When a meeting with the board chair is routine vs. when it's a red flag✅ The importance of listening, but not committing to actions during these meetings✅ Why legal counsel might be necessary in certain situations✅ Whether you should record the meeting—and if NCUA will allow itMark, Steve, and Todd also share real-world examples of how these meetings have played out, including situations where state regulators took a more aggressive approach.Whether you're a board member, CEO, or concerned about your next NCUA exam, this episode provides essential insights to ensure you're prepared if NCUA makes the call.Resources Mentioned:

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Did NCUA just vote on its reorganization plan?  Time will tell.https://www.opm.gov/policy-data-oversight/latest-memos/guidance-on-agency-rif-and-reorganization-plans-requested-by-implementing-the-president-s-department-of-government-efficiency-workforce-optimization-initiative.pdf

Glen recaps an action-packed Government Affairs Conference, featuring our annual interview with America's Credit Unions' Economics Team on the coming year's outlook. An “existential threat” to the industry's income tax exemption headlined a packed agenda, but the CFPB, NCUA and interchange legislation were also on the menu- not to mention tariff whiplash and market uncertainty.       Links related to this episode:   America's Credit Unions' Monthly Economic Updates: https://www.americascreditunions.org/data-tools/economic-data-bank-comparisons/economic-update-video-archive   The Don't Tax My Credit Union Advocacy/Resource page: https://www.donttaxmycreditunion.org/ CrossState CUA's explanation of why credit unions offer better rates: https://www.crossstate.org/about/communications/blog/why-do-credit-unions-have-better-rates/ Glen's blog covering the GAC's key takeaways:   Join us for our next CU Town Hall- Wednesday March 12 at 3pm ET/Noon PT- for a live and lively interactive conversation tackling the major issues facing credit unions today. This session will focus on a discussion of key takeaways from the Governmental Affairs Conference.  The Town Hall is free to attend, but advance registration is required:  https://www.cutownhall.com/  Signing up for the Town Hall also earns you a card for our Bingo game tracking 2025 industry predictions.  Find out more here: https://www.big-fintech.com/Media?p=did-you-have-that-one-on-your-bingo-card   Join us on Bluesky!  @bigfintech.bsky.social  @154advisors.bsky.social (Glen) @jbfintech.bsky.social (John) And connect on LinkedIn: https://www.linkedin.com/company/best-innovation-group/  https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/

Send us a textThis is the weather report from GAC, last week's credit union confab in Washington DC.  On the show to report on key developments is Sarah Snell Cooke, former editor in chief and publisher of Credit Union Times and now a consultant to credit unions' business partners.The big question at GAC was: is this really the end of the credit union federal tax exemption?Also on the agenda was what's the impact of staff reduction - a la DOGE - on NCUA?  Can the regulator adequately perform with significantly reduced staff?Which leads to the big question: will NCUA be merged into another agency?As for that last point: Cooke's firmly held opinion is that if NCUA is merged into another agency this will spell the end of credit unions as we know them.  That's a gloomy prognosis but Cooke explains on the show why she believes it.On the show too she predicts that that demolition of NCUA won't happen.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

"Liquidity Management: Reading Between the Lines of NCUA's Latest Guidance"In this insightful episode, Mark Treichel and former NCUA Capital Markets Specialist Todd Miller analyze NCUA's April 2023 liquidity webinar and provide their expert take on the agency's current perspective on liquidity management.Episode Highlights:Todd Miller shares his 34-year experience at NCUA, including his roles as a regional capital market specialist and director of special actionsKey liquidity guidance documents discussed: 2010 Interagency Policy Statement on Funding and Liquidity Risk Management, 2013 CU 10 guidance on Regulation 741.12, and the 2023 addendum on contingency funding plansAnalysis of credit union deposit composition changes: from 55% in money markets, CDs, and wholesale funding in 2009 to 52% currentlyDiscussion of "reversion to the mean" in deposit mix and how credit unions have adapted to the rate environmentExamination inconsistencies: varying liquidity ratios and expectations from examiner to examinerThe importance of forward-looking liquidity management versus "rear-view mirror" approachesDisconnect between NCUA's public statements (e.g., "supervisory test is not how credit unions should manage interest rate risk") and examiner actionsHow improved analytics allow credit unions to operate with lower cash holdings while still managing risk effectivelyThe appropriate use of wholesale funding, borrowings, and non-member deposits in liquidity managementWhy well-capitalized credit unions with good asset quality will generally maintain access to liquidityResources Mentioned:2010 Interagency Policy Statement on Funding and Liquidity Risk Management2013 CU 10 guidance on NCUA Regulation 741.122023 addendum to the 2010 interagency statement on funding and liquidity riskIf you're concerned about your credit union's next NCUA exam, visit marktreichel.com to learn how Credit Union Exam Solutions can help you navigate the examination process successfully.

Welcome to Credit Union Conversations! In today's episode, host Mark Ritter is joined by the industry's leading expert, Mark Treichel, to uncover the mysteries of the NCUA exam and guide you through its complexities. With insights on risk management, cybersecurity, and evolving regulations, Mark Treichel offers invaluable advice on navigating credit union challenges, especially with a new administration in place. Tune in as they discuss everything from working through exam processes, the impact of office buyouts, to the current state of credit risk and empty office spaces. Plus, get an insider's look into the concept of regulation by enforcement and how credit unions can better manage their cybersecurity efforts. Stay with us to hear Mark's advice on reaching out and getting expert assistance on your next NCUA exam.IN THIS EPISODE:(00:00) Introduction (01:34) The NCUA exam and a new administration(09:27) Buyouts and requirements of working in person(13:27) Credit risk management and empty offices(19:10) Cybersecurity and regulation by enforcement(27:53) Connect with Mark TreichelKEY TAKEAWAYS: The change in administration, particularly moving from one political party to another, significantly influences the NCUA's priorities and approach. This shift often creates chaos as new leadership adjusts priorities and regulations. The NCUA is currently dealing with internal challenges, such as a hiring freeze, regulatory pauses, and staff buyouts. These factors contribute to uncertainty within the agency and affect its ability to fulfill its mission effectively. The chaotic environment could lead to turnover, with highly skilled employees either retiring or leaving for other opportunities.There is a focus on "regulation by enforcement," where policies are often clarified through enforcement actions rather than proper regulation. This creates ambiguity and strain on organizations, and there is a push for rules that strictly follow the intent of the law to avoid overreach and unnecessary penalties.RESOURCE LINKSMark Ritter - WebsiteMark Ritter - LinkedInWith Flying Colors - PodcastMark Treichel - WebsiteCredit Union Regulatory Guidance - PodcastBIO: With 33 years of experience at NCUA, I've served in key roles, including Executive Director, Regional Director, Director of Special Actions, Supervisory Examiner, and Principal Examiner. Starting as a ground-level examiner, I rose to the organization's top. As Executive Director, I supervised Regional Directors, gaining unparalleled insight into NCUA's operations and decision-making processes.Our TeamI lead a team of former NCUA experts with a combined experience of over 240 years in credit union regulation and supervision. This wealth of knowledge allows us to provide comprehensive, insider perspectives on all aspects of credit union operations and regulatory compliance.How We Can HelpWe offer assistance with a wide range of credit union challenges, including:1. Examination preparation and response2. Regulatory approval processes3. Document of Resolution (DOR) issues4. CAMEL code assessments and improvements5. Risk management (credit, interest rate, liquidity, etc.)6. Regulatory compliance (BSA, Fair Lending,...

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/https://ncua.gov/newsroom/press-release/2025/hauptman-announces-changes-ncuas-overdraftnsf-fee-collectionA great Monday at GAC .... listen for details.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/NCUA Board focuses on staff morale and safety of deposits.  Also what happened to the item making Todd Harper Vice Chairman??Listen and learn.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Episode Title: "Credit Unions at a Crossroads: Regulator Consolidation and the Tax Threat"With Flying Colors Podcast | Episode [Number] | Released February [XX], 2025Host: Mark TreichelGuest: John McKechnie, John Ney LLC, Credit Union Policy Expert  Overview:In this timely episode, recorded just ahead of the 2025 Governmental Affairs Conference (GAC), Mark Treichel sits down with John McKechnie, a seasoned credit union advocate and former NCUA insider, to unpack the seismic shifts brewing in Washington, D.C. With the Trump administration signaling a potential overhaul of financial regulators and whispers of taxing credit unions, the stakes couldn't be higher. Will NCUA get swept into a bank-dominated regulatory merger? Could the credit union tax exemption be on the chopping block? John and Mark dive into the uncertainty, the risks, and what it all means for the credit union movement.Key Discussion Points:  Regulatory Consolidation Buzz: The Wall Street Journal and Bloomberg report on merging FDIC and OCC into Treasury—what does this mean for NCUA and credit unions? John shares insights from Capitol Hill, including a revealing chat with Senator Tim Scott's staff.  The Share Insurance Fund Risk: How a consolidated regulator could swallow the credit union-backed fund into a bank-centric FDIC system.  Taxation Tensions: Banks push to tax “mega” credit unions—are we facing a divide-and-conquer strategy? John breaks down the political and economic arguments credit unions must wield.  Exam Burden Reality: NCUA's lighter touch vs. bank regulators—could credit unions face 35% more scrutiny under a merged system?  GAC Game Plan: Why this year's hill visits might be the most critical yet, and how credit union advocates can make their voices heard.  CFPB's Future: A leaner, less aggressive CFPB under Trump—good news or a distraction from bigger threats?Notable Quotes:  “The deck is being reshuffled right now, and I think credit unions should be concerned.” – John McKechnie  “If you eliminate the credit union tax exemption, you're raising taxes on 220,000 of your constituents.” – John McKechnie  “This GAC could be as important as any visit to D.C. the movement has ever had.” – Mark TreichelWhy Listen?With uncertainty as the word of the day, this episode is your insider's guide to the regulatory and legislative battles that could redefine credit unions. Whether you're flying into GAC or tracking policy from afar, Mark and John deliver the wisdom you need to understand the stakes—and what's next.

Send us a textCall this your must listen podcastg before GAC.Because in this show you will be hearing explicit advice about your CAC 2025 to do.Here's what is at stake: the credit union tax exmption on the future of NCUA.Will credit unions lose their federal tax exemption?  Will NCUA be shuffled into a couple desks in the basement of the Treasury Department?Issues of monumental importance to the credit union  movement are actively under discussion in Washington DC and longtime credit union lobbyist John McKechnie is on the showto report on the latest rumblings on Capitol Hill.The big takeaway from this show: these issues very much are on the table in today's  Washington DCOn the date of this recording  - February 18 - McKechnie expressed optimism about credit unions retaining their tax exemption.But he also stressed that what will be needed to win this fight is a concerted action by many, many credit union people to get the message across that to keep doing the valuable work credit unions do they need to keep that tax free status.That means put on your shoes and get busy walking the Hill.  And be ready to walk it not just during GAC but in the weeks and months afterwards because, stresses McKechnie, relationships with members and staffers on the Hill are forged via repeat contacts.Listen up

In this episode of the Doc Talk Podcast, Dr. Rob Zatechka and Travis Justice break down Nebraska's decision to cancel its highly anticipated home-and-home series with Tennessee. It's a move that financially makes sense for the program but cheats the fans out of a showdown with a big-name program.  The Huskers are also scrapping the 2025 Spring Game. Nebraska won't hold its annual fan showcase—marking the end of a tradition that regularly draws over 60,000 fans. What does this mean for recruiting, fan engagement, and the program's overall direction? Rob and Travis give their unfiltered thoughts on both decisions, what it says about Matt Rhule's long-term plan, and why some fans are growing frustrated with the program's cautious approach. Hit play, share your thoughts, and don't forget to subscribe for more hard-hitting Huskers talk on the Doc Talk Podcast! Please support our sponsors: This podcast would not be possible without the generosity and support of our sponsors. Gdefy Shoes Like Gdefy Shoes and their patented VersoShock technology absorption, body alignment, and trampoline-like energy, Gdefy shoes are perfect for any activity. They offer a 60-day money-back guarantee, unmatched comfort, and two free orthotics. The holiday season is here, so save money by getting 50% off an order of $120 or more by entering the promo code DOCTALK50 at checkout at Gdefy.com. Husker Hounds Speaking of the holidays, get the Cornhusker fan in your family the best Nebraska gear at Husker Hounds. There are two locations in the Omaha area, and you can find them online at HuskerHounds.com.  The Orr Law Group The legal process can be intimidating. Let the experts at Orr Law Group help you navigate the court system. They handle all types of litigation. Connor Orr and his team are compassionate and caring lawyers who provide a positive and experienced representation to their clients. Get more information from the Orr Law Group.  Centris Federal Credit Union For all your banking needs, turn to Centris Federal Credit Union, the official sponsor of the Doc's Diagnosis. Discover the benefits of membership at Centris Federal Credit Union, member NCUA.  Husker Max Husker Max provides the best Nebraska football and sports information. They distribute this podcast weekly and are the go-to source for all Husker news. 

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/The Perfect Storm: Credit Risk and Modern Collections with David ReedIn this episode, Mark Treichel sits down with David Reed, of Reed & Jolly law firm, to discuss the pressing issue of credit risk and loan quality in credit unions. As a former in-house counsel and collections manager turned credit union attorney, Reed brings unique insights into modern collection challenges and solutions.Key Topics:Analysis of NCUA's 2024 Supervisory Priorities letter and its unprecedented focus on credit riskRecord-high delinquency rates in credit cards and used car loansThe need to modernize collection practices with new technology and communication methodsImportance of board reporting and corporate governance in managing credit riskBalancing member service with sound financial practices in today's economic environmentGuest: David Reed Contact: david@reedandjolly.com | 703-675-9578

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Show Notes: With Flying Colors - Interview with Mike Macchiarola of Olden LaneGuest: Mike Macchiarola, Olden Lane (broker-dealer and investment advisor serving credit unions)Key Topics Discussed:- Interest Rate Environment: Impact of "higher for longer" rates on credit unions, with industry cost of funds rising to 218 basis points- Regulatory Changes: Shift in regulatory focus under new NCUA leadership and potential Trump administration impacts- Consolidation Trends: Record year for credit union-bank transactions (22 in 2023) and increasing branch deal activity- Technology & AI: Growing importance of digital platforms while maintaining personal touch ("clicks and mortars")- Profitability Challenges: Industry ROA at 64 basis points with significant variance across institutions- Leadership Demographics: Addressing aging C-suite and board populations while attracting younger talent- Consumer Financial Health: Rising credit card delinquencies (11%) and increasing household debt levels- Fee Income: Evolving regulatory landscape around NSF and overdraft feesContact Information:- Website: www.oldenlane.com- LinkedIn: Mike Macchiarola- Email: Available through contact form on Olden Lane websiteNotable Quote: "If it don't make sense, it don't make dollars." - Mike Macchiarola on credit union profitability

Send us a textHere's the question: Is the First Tech - DCU merger of behemoths a sign of mergers to come or it is an outlier, a one-off deal that arose because of unique circumstances and histories??Kirk Kordeleski, onetime CEO at Bethpage, itself a member of the behemoth club, and now a SERP expert  with PARC Street Partners, and he comes with strong opinions abut credit union mergers.But there's more on the  show including Kordeleski's musing about the longevity of the credit union tax exemption - and how important it is to the credit union business model.Kordeleski also ponders the probable future of NCUA in an era of slashing federal spending and federal employee body counts.Just about all the credit union hot buttons get  pressed in this show..And Kordeleski also addresses this question: if you are the CEO of a $10 billion credit union that just now merges with a $5 billion credit union should you ping the board the next day and ask for a 50% pay hike.Place your bets now:Is this RIP for NCUA?Is it say goodnight to the tax exemption?Are mergers the best way for a credit union to grow?Or is interna; growth the shrewder option?And should that CEO ask for the 50% pay boost?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

Henry Meier. Esq. joins us to drill down on the early days of Chairman Hauptman's term at the NCUA and the chaos happening in other parts of the CU industry. Also, Michael and Natasha discuss journalism in 2025 but more importantly, debate how age affects hunkiness by way of Keanu Reeves: who's the bigger beefcake? Young "Speed" era Keanu or salt and pepper modern day "John Wick"?

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Let me draft show notes that capture the key points from this podcast episode while maintaining a natural flow without bullets or numbering.Episode Title: What is the Meaning of "Agreed Upon Corrective Action"?Summary:In this special Archive episode of With Flying Colors, Mark explores the meaning and implications of "agreed upon corrective action" in credit union examinations. Drawing from his experience at NCUA, Mark explains how this term appears on examination reports and why its proper implementation is crucial for credit unions.Key Points Covered:Mark begins by breaking down the literal meaning of "agreed upon" using dictionary definitions, emphasizing that it means coming to a mutual arrangement or understanding. He shares a recent case where a small credit union reached out about their examination frustrations, highlighting how the agreed-upon process can sometimes break down.The Process:The examination report process typically includes a draft phase where credit unions can review and discuss findings with examiners. However, due to year-end pressures and internal goals, sometimes reports are finalized without proper consultation. Mark explains that the examination report's cover page explicitly states it should document "agreed upon corrective actions," making it important for credit unions to ensure they actually have input in this process.Recommendations for Credit Unions:Mark advises credit unions to push back when they don't receive proper opportunity for input. He suggests starting with the examiner, then moving up to the supervisory examiner if necessary. While NCUA has final authority on safety and soundness issues, credit unions should still receive the opportunity to influence report language to better serve their needs and their members' interests.Important Context:The podcast notes that NCUA implemented a higher level of review for examination reports, requiring supervisory review. While this creates more consistency, it can sometimes make immediate dialogue more challenging, especially when reports are delivered as final without prior discussion.Closing Thoughts:Mark emphasizes that credit unions must decide when to "go along to get along" versus when to advocate for changes. The goal should be finding language that satisfies both NCUA's safety and soundness requirements and the credit union's operational needs.Contact Information:Listeners can learn more about Mark's services at markteichel.com. The podcast releases new episodes once or twice weekly, providing expert insights on achieving success with NCUA.

The offseason has arrived, and with it, the Husker Doc Talk Podcast shifts into an interview-focused format. Kicking off the first episode of 2025, we sit down with former Nebraska All-American Keyuo Craver. Now living in Omaha, Keyuo works as a recruiting specialist at Metro Community College. While he typically stays under the radar, he takes center stage on this podcast, opening up about his experiences at Nebraska, his time in the NFL, and his career in the Canadian Football League. He also reflects on his first book, I Peed and Forgot, and teases his upcoming book, which delves into his years as a Husker. Raw, honest, and deeply personal—this episode of the Husker Doc Talk Podcast has it all. Please support our sponsors: This podcast would not be possible without the generosity and support of our sponsors. Gdefy Shoes Like Gdefy Shoes and their patented VersoShock technology absorption, body alignment, and trampoline-like energy, Gdefy shoes are perfect for any activity. They offer a 60-day money-back guarantee, unmatched comfort, and two free orthotics. The holiday season is here, so save money by getting 50% off an order of $120 or more by entering the promo code DOCTALK50 at checkout at Gdefy.com. Husker Hounds Speaking of the holidays, get the Cornhusker fan in your family the best Nebraska gear at Husker Hounds. There are two locations in the Omaha area, and you can find them online at HuskerHounds.com.  The Orr Law Group The legal process can be intimidating. Let the experts at Orr Law Group help you navigate the court system. They handle all types of litigation. Connor Orr and his team are compassionate and caring lawyers who provide a positive and experienced representation to their clients. Get more information from the Orr Law Group.  Centris Federal Credit Union For all your banking needs, turn to Centris Federal Credit Union, the official sponsor of the Doc's Diagnosis. Discover the benefits of membership at Centris Federal Credit Union, member NCUA.  Husker Max Husker Max provides the best Nebraska football and sports information. They distribute this podcast weekly and are the go-to source for all Husker news. 

On this edition of the Husker Doc Talk Podcast, Travis Justice and Dr. Rob Zatechka delve into the action-packed first round of the college football playoffs. While the initial four games didn't quite deliver the edge-of-your-seat drama fans might have hoped for, they still offered plenty of excitement. The games highlighted the unique energy that comes with home-field advantage, which created electric atmospheres in every matchup. This, in turn, made a compelling case for playoff expansion, raising questions about how the format could evolve to include even more teams and intensify the competition in future seasons. The conversation then shifts focus to Nebraska's upcoming bowl game as the Huskers gear up for the Pinstripe Bowl against Boston College. Travis and Dr. Rob dive deep into the matchup, analyzing how the Huskers stack up against BC. They examine Nebraska's strengths and weaknesses, the challenges posed by Boston College, and the potential strategies the Huskers might employ to secure a victory. With new defensive assistant coaches on staff, the discussion also explores how these recent additions will adapt and integrate their strategies with the players in such a short time frame. Will these coaches be able to make an immediate impact, or will the limited preparation time be a hurdle Nebraska can't overcome? Shifting gears, Travis and Dr. Rob turn their attention to an ongoing legal battle that could significantly impact junior college athletes and their eligibility in NCAA sports. A case in Tennessee has resulted in a temporary injunction that challenges existing rules and could pave the way for junior college transfers to have up to four full years of playing time when they join a four-year institution. This development exposes yet another area where the NCAA has fallen short in addressing critical eligibility issues. The duo discusses the potential ripple effects of this ruling, including how it might reshape the landscape of college sports, especially for programs that rely heavily on junior college transfers. Please support our sponsors: This podcast would not be possible without the generosity and support of our sponsors. Gdefy Shoes Like Gdefy Shoes and their patented VersoShock technology absorption, body alignment, and trampoline-like energy, Gdefy shoes are perfect for any activity. They offer a 60-dollar guarantee with unmatched comfort and two free orthotics. The holiday season is here, so save money by getting 50% off an order of $100 or more by entering the promo code DOCTALK50 at checkout at Gdefy.com. Husker Hounds Speaking of the holidays, get the Cornhusker fan in your family the best Nebraska gear at Husker Hounds. There are two locations in the Omaha area, and you can find them online at HuskerHounds.com.  The Orr Law Group The legal process can be intimidating. Let the experts at Orr Law Group help you navigate the court system. They handle all types of litigation. Connor Orr and his team are compassionate and caring lawyers who provide a positive and experienced representation to their clients. Get more information from the Orr Law Group.  Centris Federal Credit Union For all your banking needs, turn to Centris Federal Credit Union, the official sponsor of the Doc's Diagnosis. Discover the benefits of membership at Centris Federal Credit Union, member NCUA.  Husker Max Husker Max provides the best Nebraska football and sports information. They distribute this podcast weekly and are the go-to source for all Husker news.