Podcast appearances and mentions of Todd Miller

This conversation, hosted by Todd Miller, about a great borderlands adobe brick building project is going great, until Jacques Servin—of the political performance artist trickster and activist troupe called the Yes Men—fails to grasp the meaning of the term "border security" — at least how it's conveyed to the world by the high brass of the Department of Homeland Security. Though frustrating at first, this leads to a fruitful philosophical conversation and then a possibly paradigm-shifting one. Listen all the way to the end for a provocative proposal about next year's Border Security Expo.

Episode SummaryIn this archive episode of With Flying Colors, Mark sits down with Todd Miller — longtime NCUA expert, former Director of Special Actions, and member of the CU Exam Solutions team — to break down one of the most misunderstood and under-optimized tools in credit union governance: the board package.Boards get in trouble not because they don't care, Todd explains, but because they are often misinformed, overwhelmed, or kept in the dark. A well-designed board package solves that — if it's built with the right mix of clarity, consistency, and candor.Todd explains:What high-performing board packages includeWhy “size and complexity” shape reporting expectationsThe danger of data dumps, inconsistent formatting, and detail overloadHow to pair dashboards with strong qualitative narrativesThe one question every executive should answer in their reportsWhy peer comparisons matterHow risk appetite, strategic plans, and deviation explanations must tie togetherReal-world stories from troubled and well-run credit unionsHow to avoid examiner criticism by aligning reporting with actual riskThis episode is full of practical actions your board and leadership team can apply immediately.Key Themes & Takeaways1. Great Board Packages Balance Qualitative + Quantitative ReportingTodd outlines a simple principle: Board reports should demonstrate management's compliance with the business plan, board policies, and the credit union's risk appetite. transcript Board Packages Todd …Boards need both data and narrative to understand where the credit union is, how it got there, and where it's going.2. Consistency Builds Board TrustFrom formatting to color-coding to dashboards, consistency helps directors quickly understand risk without getting bogged down.Inconsistent layouts or disorganized reporting create confusion and can lead to micromanagement or oversight failures.3. Avoid the “Data Dump” TrapTodd highlights that many troubled credit unions had mountains of data… but no clarity. Board packets that keep expanding over time—without periodic pruning—bury critical insights.Annual reviews of what stays, what goes, and how information is summarized are essential.4. Dashboards Are Critical — But Must Be Thoughtfully BuiltDashboards should show:Where the CU has beenWhere it is nowWhere it's trending nextThey must also be paired with narrative analysis to flag:VariancesDeviations from strategic/annual plansNew risksNew opportunities5. The Biggest Blind Spot: Credit Risk ReportingCredit risk is the No. 1 cause of failures. Todd explains how to reduce hundreds of pages into 2–3 meaningful pages with:Risk migration visualsLTV + credit score overlaysPortfolio trendsBusiness loan concentration & large-borrower exposure6. Committees Create Risk — and Reporting ObligationsALCO, lending, IT, risk committees… Boards need visibility but not minutiae.Todd walks through how well-run credit unions:Summarize committee outputElevate red flagsKeep the board focused on strategy, not operations7. Real-World Stories—The Good, The Bad, The UglyTodd shares examples of:39 unprofitable branches hidden in an overly detailed packetBoards blindsided by marijuana banking risk and resulting finesA $4 million depositor walking out because the board lacked contextThese stories underscore the need for transparency, context, and prioritization.Why This MattersA strong board package:Improves governanceEnhances regulator confidencePrevents surprisesSupports faster, cleaner examsKeeps boards strategicHelps management demonstrate competence and controlThis episode is a must-listen for CEOs, CFOs, lending executives, and directors looking to elevate their governance culture.

Todd Miller of Isaiah Industries and co-host Ethan Young welcome Muhammad Faiz of Rise Roofers and host of the Roofing Millionaires podcast to discuss how he entered the roofing industry from Pakistan, his shift from ads and lead generation to helping roofers build emotionally resonant brands, and why many contractors lack marketing knowledge and a clear definition of growth.Faiz explains how purpose can serve as a decision filter amid overwhelming tech and platform choices, and how positioning helps contractors avoid competing solely on the lowest price. He shares why he started Roofing Millionaires as a non-promotional platform for veteran insights, highlights his favorite episodes, and describes client outcomes centered on clarity, fulfillment, and premium perception. In rapid-fire questions, he discusses a childhood English lesson, favorite foods, his view that roofing will return to relationship basics, and how to connect with him.Timestamps00:00 Welcome and Co-Host Intro00:41 Meet Muhammad Faiz02:16 Why Roofing Marketing04:19 From Pakistan to Freelance05:46 Rise Roofers Branding Focus09:27 Purpose Driven Growth11:09 Tech Noise and Clarity15:39 Positioning Beyond Price17:34 Why Start the Podcast24:34 Best Episodes to Start26:50 Client Transformations32:52 Faiz Personal Purpose35:45 How to Work Together38:03 Define Your Growth40:52 Rapid Fire Questions46:39 Connect and ClosingConnect with Muhammad OnlineFacebook: https://www.facebook.com/muhammadfaiz99For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

New Hobble Creek head pro Joel Grose joins the live show on ESPN 700 to help us celebrate the Art City Am. BYU's Todd Miller on being named the new men's team head coach. Kareen Larson and Molley Steffes on their Utah Women's Four-Ball win, and Dallin Wheatley on his win in the Utah Mid-Am. Sponsored by Goldenwest Credit Union. 

MC Lyte talks Rock & Roll Hall of Fame nomination; Todd Miller shares must-try summer grilling recipes Learn more about your ad choices. Visit podcastchoices.com/adchoices

MC Lyte talks Rock & Roll Hall of Fame nomination; Todd Miller shares must-try summer grilling recipes Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Big Frosty Freeze is about to take place in San Remo (JUNE 7) to pay tribute to local legend Frosty Miller who sadly lost his battle with MND early this year. The event will feature a dunk tank with 12 brave souls who will be taking the plunge into the icy water to raise funds to find a cause for MND. Ed caught up with Todd Miller son of Frosty and had a yarn about Frosty's impact on the Bass Coast community and why the community loved him. Ed For Breakfast - 6am-9pm Weekdays on Triple M GippslandSee omnystudio.com/listener for privacy information.

In this episode, Mark Treichel sits down with Steve Farrar and Todd Miller — both former NCUA veterans with over 60 years of combined regulatory experience — to break down exactly what a Code 4 means for your credit union, your board, and your relationships with every lender you work with.Steve spent 15 years as a Problem Case Officer on the West Coast before moving to NCUA's Division of Risk Management in the central office, where he worked on enforcement, corporate resolution, and risk-based capital. Todd spent 34 years with NCUA, including a decade as an examiner and PCO, followed by 11 years as Director of Special Actions in the Western Region.Together, they cover: what NCUA is actually doing when they code you a 4 (hint: building an administrative record), how often you'll see your examiner (more than you think), why the Federal Reserve, FHLB, and Fannie Mae all find out about your status, what Section 701.14 means for management and board changes, why assignment to Special Actions isn't always bad news, and what separates credit unions that recover from those that don't.If you're a Code 4 — or worried you might become one — this episode gives you the insider perspective on what's coming and how to navigate it.

Todd Miller and co-host Ethan Young welcome Ed Kalaher, President and CEO of Window Depot USA, to discuss how contractors can gain an edge and scale beyond a “job” into a valuable business asset. Kalaher shares Window Depot's origins (founded 2001; acquired by him and partners in 2011) and explains its dealer/licensee model that provides franchise-like support, exclusive territories, and strong peer networking across 90+ business owners in 85 markets.The conversation highlights key challenges for home improvement contractors—especially lead generation, hiring and developing people, and the importance of in-person and online communities for sharing ideas. Kalaher emphasizes that the leading cause of failure is lack of financial education, advocating that “the math shows you the path.” He also previews his book, The Servant and the Savage, focused on mindset and execution for small business owners.Timestamps00:00 Welcome00:51 Dealer Training Momentum01:51 Meet Ed Kalaher03:34 Window Depot Origin Story06:06 Why Dealers Need Support10:06 Turning Jobs Into Assets12:21 Networking and Events16:44 Market Shifts and Buyers19:48 Longer Sales Cycles22:01 The Servant and Savage Book26:31 Mindset and Balance27:59 Growth Phases Explained30:45 Leads and People31:45 Financial Education First37:50 Join Window Depot39:04 Entrepreneurship for Youth40:46 Rapid Fire Round46:45 Legacy and Wrap UpConnect with Ed OnlineLinkedIn: https://www.linkedin.com/in/ed-kalaher-60b437/Website: https://windowdepotpartnership.com/Website: https://windowdepotusa.com/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

Two documents shape how NCUA conducts credit union examinations: the Examiner's Guide and the National Supervision Policy Manual (NSPM). In this episode, Mark Treichel sits down with former NCUA veterans Todd Miller and Steve Farrar to break down what credit unions need to know about both.  The discussion covers the history behind these documents—including why NCUA's six regions once operated so differently that the Board mandated standardization—and provides practical guidance on which sections credit unions should prioritize.  Topics discussed in this episode:  • Why the NSPM was created and how it standardized examination procedures across NCUA's regions  • What happened to the Examiner's Guide and why it's been de-emphasized  • The reference sections in the Examiner's Guide that remain valuable for credit unions  • Key NSPM chapters every credit union should review: District Management, Federal/FSCU Programs, and Regulatory Waivers  • Response timeframes for administrative actions and appeals  • Transparency gaps: missing chapters, dead links, and redacted sections  • How to use both documents strategically when preparing for examinations  Whether you're preparing for an upcoming exam, navigating an enforcement action, or simply want to understand how your regulator operates, this episode provides the insider perspective.  Resources mentioned:  • NCUA's publicly available redacted NSPM  • NCUA Examiner's Guide (web-based version)  • Related episodes on CAMEL Code 3 and 4 ratings, appeals process, and Documents of Resolution 

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/In this episode, Mark Treichel is joined by Steve Farrar, Todd Miller, and Dennis Bauer for their quarterly review of the National Credit Union Administration call report data. The group walks through the Q4 2025 numbers across each component of the CAMEL framework, discussing what the data is showing, where the risks are building, and what credit union leaders should be paying attention to heading into 2026. TOPICS COVERED CapitalThe industry net worth ratio stands at approximately 11.28%, down slightly from 11.35% at the end of Q3 2025 but up from 11.2% at year-end 2024. Only 59 credit unions are below the 7% well-capitalized threshold. GAAP net worth has improved nearly 200 basis points over the past two years as unrealized investment losses continue to recover. Community bank core capital ratios are comparable at approximately 11.05%. Asset Quality – InvestmentsCredit unions have been extending investment maturities in a flat yield curve environment, with dollars growing in the three-year, five-year, and ten-year buckets. The spread between a three-year and ten-year investment is only about 14 basis points. Combined with growth in mortgage and commercial loans, balance sheet duration is extending on multiple fronts simultaneously. Asset Quality – LoansIndustry delinquency crossed 1% for the first time in a decade. Non-owner occupied residential real estate delinquency jumped from approximately 62 basis points to 141 basis points. Commercial real estate, construction and development, and student loan categories also showed meaningful increases. Auto loan balances actually declined in 2025 — a rare occurrence. Allowance coverage of delinquency declined from 140% at Q3 to 131% at year-end. Community bank charge-off rates were 0.21%, compared to 0.78% for credit unions. The group discusses the regional nature of credit stress and how national averages can mask concentrated problems in specific geographies. EarningsReturn on assets improved approximately 16 basis points year-over-year, driven by a 27-basis-point improvement in net interest margin. Net interest margin appears to have peaked — up only one basis point from Q3 to Q4. The efficiency ratio improved to approximately 69-70%. Operating expenses have grown at 7% or more for at least three consecutive years, with salary and benefits (nearly half of all operating expenses) up roughly 8% annually in 2024 and 2025. About 11.7% of credit unions were unprofitable in 2025, compared to approximately 5% of community banks. Seventeen credit unions over $1 billion reported losses. Liquidity and MembershipDeposit growth ran at approximately 5%, while membership growth fell to just 2% — the lowest level in roughly a decade. Certificate of deposit growth is decelerating as rates fall, with money market and share draft accounts growing faster. Approximately 80% of CDs are expected to reprice in 2026. Wholesale funding was repaid, improving borrowing capacity. NCUA and the Broader EnvironmentThe group discusses National Credit Union Administration staffing reductions and what that means for examination priorities. With limited resources, the focus will necessarily concentrate on asset quality and concentration risk. Mark raises the pending change to the CAMEL 1 designation and calls for the agency to communicate that change publicly to stakeholders. CAMEL rating distribution improved modestly, with a $155 billion reduction in assets held in CAMEL 3-rated institutions. GUESTSSteve Farrar – Former National Credit Union Administration examiner, problem case officer, and VP of the Central Liquidity Facility; now with Credit Union Exam SolutionsTodd Miller – Former Director of Special Actions, National Credit Union Administration Western Region; now with Credit Union Exam SolutionsDennis Bauer – Former CFO and EVP of Ideal Credit Union (St. Paul, MN); former National Credit Union Administration examiner; now with Credit Union Exam Solutions

In this episode of With Flying Colors, Mark Treichel sits down with Todd Miller to explore what makes credit union policies effective — and what separates the policy frameworks at high-performing credit unions from those that consistently generate examination findings. Todd, who spent over 33 years at NCUA including a decade as Director of Special Actions, draws on his experience examining credit unions across the full performance spectrum. He shares what he consistently saw in top-performing organizations: strong written policies that created transparency at every level, from the boardroom to the branch. The conversation covers why policies matter beyond regulatory compliance, including their role as training tools, culture builders, and accountability mechanisms. Todd outlines the general principles that underpin effective policy management — from top-down implementation and accessibility to the importance of consequences for non-compliance and the disciplined handling of policy exceptions. The heart of the episode is Todd's breakdown of common elements that should appear in every credit union policy, regardless of subject matter: purpose and objectives, accountability structures, risk appetite statements with real limits, systems of trend-based reporting, and scheduled review processes. He explains why policy limits should be unique to each credit union, why guidelines are no substitute for hard limits, and why trend reporting matters more to board members than point-in-time snapshots. Mark and Todd also discuss the connection between policy compliance and organizational culture, including how violations of individual authority limits can erode morale, create bond claim exposure, and — in the most serious cases — lead to insurance fund losses.

Todd Miller and co-host Ryan Bell welcome Austin Rosenbaum of Demand IQ to discuss rapid changes in home improvement marketing and lead generation, focusing on pricing transparency and instant online estimates.Austin explains how Demand IQ evolved from a data-driven marketing agency into a software platform that helps contractors provide online budget estimates to qualify leads, reduce friction, and improve conversion. He describes contractor adoption challenges since 2019, noting increased interest in the past year, and outlines how COVID accelerated digital shopping behavior, especially among millennials and Gen Z.The episode highlights Google's new “online estimates” search filter and the risks of ignoring deep-funnel channels like Google and Meta. Austin shares results from a contractor case study, explains onboarding steps to rank for online estimates, and predicts AI agents will increasingly shop and gather quotes on homeowners' behalf.Timestamps00:00 Welcome and Intro00:47 Challenge Words Explained01:21 Marketing Is Changing Fast02:02 Meet Austin Rosenbaum02:32 Origin Story and Analytics04:23 Demand IQ and Instant Estimates07:22 Contractor Pushback on Pricing09:43 COVID and New Buyer Behavior12:18 Google Online Estimates Filter14:40 Risks of Old School Marketing16:21 What Homeowners Want First18:31 Case Studies and Use Cases20:58 Onboarding and Ranking Steps24:06 AI Agents and The Future26:29 Calculator vs Pricing Table30:32 Final Thoughts and Rapid Fire36:07 How to Connect With Austin37:40 Challenge Words and Wrap Up38:22 Closing Thanks and Sign OffConnect with Austin OnlineLinkedIn: https://www.linkedin.com/in/austinrosenbaum/Website: https://www.demand-iq.com/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

Mark Treichel sits down with Steve Farrar and Todd Miller to break down Letters of Understanding and Agreement—NCUA's formal enforcement tool that requires board-level commitment. With over 100 combined years of NCUA experience, including Steve's authorship of NCUA's enforcement manual, this episode delivers insider perspective on what LUAs mean for credit unions, how boards should approach them, and critical mistakes to avoid.Key Topics CoveredWhat triggers an LUA: Understanding when NCUA escalates from informal actions to formal enforcement, and why most credit unions receiving LUAs are classified as troubled.Published vs. unpublished: The distinction that creates reputation risk, how industry publications find published LUAs, and which state regulators require publication.Board accountability: Why voting no or abstaining doesn't protect individual directors, and what fiduciary responsibility means when your credit union signs an LUA.Negotiation before signing: How to approach discussions with your examiner or problem case officer, ensuring timeframes are realistic and commitments are achievable.Root causes vs. comprehensive lists: Why LUAs should focus on fundamental problems, and what to do when you're facing a lengthy document with dozens of items.Satisfying an LUA: The two-part test NCUA applies—completing actions AND achieving intended results—and why there's no built-in expiration date.Notable Quotes"The LUAs only addressed mainly what we would refer to as the root causes of the problem." — Steve Farrar"The language in published LUAs is very draconian and very one-sided. It's intended to be serious." — Todd Miller"If you abstain or vote no, and the board agrees to sign, you're still subject to that agreement. It was a board decision." — Mark TreichelAbout the GuestsSteve Farrar spent 30+ years at NCUA, including 15 years as a problem case officer and 15 years in the central office where he authored NCUA's enforcement manual and worked on corporate resolution and risk-based capital regulations.Todd Miller served nearly 35 years at NCUA as an examiner, problem case officer, regional capital market specialist, and Director of Special Actions supervising problem case officers and capital market specialists.ResourcesCredit Union Exam Solutions: marktreichel.comRelated Episode: Documents of Resolution and Examiner Findings

Todd Miller, a journalist and author specializing in the militarization of the U.S. border, argues that the current expansion of CBP and ICE is a bipartisan trend spanning decades, rather than a phenomenon exclusive to any single administration. He describes a growing “border industrial complex” where private companies profit from surveillance technologies like robotic dogs, AI towers, and biometric databases. These advanced tools and “extra-constitutional powers” are increasingly moving from the borderlands into the interior of the United States, impacting major cities and American citizens. He warns of a transitioning police state where digital walls and mass detention facilities are becoming normalized global standards. Watch on BitChute / Brighteon / Rumble / Substack / YouTube *Support Geopolitics & Empire! Become a Member https://geopoliticsandempire.substack.com Donate https://geopoliticsandempire.com/donations Consult https://geopoliticsandempire.com/consultation **Listen Ad-Free for $4.99 a Month or $49.99 a Year! Apple Subscriptions https://podcasts.apple.com/us/podcast/geopolitics-empire/id1003465597 Supercast https://geopoliticsandempire.supercast.com ***Visit Our Affiliates & Sponsors! Above Phone https://abovephone.com/?above=geopolitics American Gold Exchange https://www.amergold.com/geopolitics easyDNS (15% off with GEOPOLITICS) https://easydns.com Escape The Technocracy (15% off with GEOPOLITICS) https://escapethetechnocracy.com/geopolitics Outbound Mexico https://outboundmx.com PassVult https://passvult.com Sociatates Civis https://societates-civis.com StartMail https://www.startmail.com/partner/?ref=ngu4nzr Wise Wolf Gold https://www.wolfpack.gold/?ref=geopolitics Websites The Border Chronicle https://www.theborderchronicle.com X https://x.com/memomiller About Todd Miller Todd Miller has researched and written about border issues for more than two decades, the last 10 as an independent journalist and writer. He is a longtime resident of Tucson, Arizona, but also spent many years living and working in Oaxaca, Mexico, and grew up in the Buffalo/Niagara Falls region (yes, a long-suffering Bills fan), staring across the U.S. border into Canada. His work has appeared in The New York Times, TomDispatch, The Nation, The San Francisco Chronicle, In These Times, Guernica, and Al Jazeera English, among others. Todd has authored four books: Build Bridges, Not Walls: A Journey to a World without Borders (City Lights, 2021); Empire of Borders: The Expansion of the U.S. Border around the World (Verso, 2019); Border Patrol Nation: Dispatches from the Front Lines of Homeland Security (City Lights, 2014); and Storming the Wall: Climate Change, Migration and Homeland Security (City Lights, 2017), which was awarded the 2018 Izzy Award for Excellence in Independent Journalism. He's a contributing editor on border issues for NACLA Report on the Americas. He's also a Scorpio, which at least partially explains the logo. *Podcast intro music used with permission is from the song “The Queens Jig” by the fantastic “Musicke & Mirth” from their album “Music for Two Lyra Viols”: http://musicke-mirth.de/en/recordings.html (available on iTunes or Amazon)

In this special archive episode of With Flying Colors, Mark Treichel is joined by Steve Farr and Todd Miller — both former NCUA leaders — to revisit a foundational topic that continues to shape credit union supervision today: risk appetite, risk culture, and concentration risk.While regulators often emphasize capital levels, history shows that capital alone cannot offset poor risk governance. This conversation explores why concentration risk continues to challenge institutions — even those that appear well capitalized.Drawing on decades of regulatory experience, the team walks through the core components of a modern risk management framework and discusses how boards should think about oversight in today's environment.What We Cover

Todd Miller is the founder of Metabolism Based Eating, Live Lean RX clinics, and currently the director of Nutrition, Strength & Conditioning Programs at George Washington University where he heads up the Human Performance Lab. He is a published metabolism researcher, Tactical Strength and Conditioning Facilitator, former USA Level 1 weightlifting coach, and Fellow of the National Strength & Conditioning Association.Todd is member of the NeoLife Scientific Advisory Board. He is a family man and an avid crossbow hunter & traveler.https://publichealth.gwu.edu/departments/exercise-and-nutrition-sciences/todd-miller-phd-cscsd-tsac-f-fnscahttps://www.metabolismbasedeating.com/meet-toddhttps://liveleanrx.com/https://beta.neolife.com/beregenerated/en-US/scientificboardSUBSCRIBE on Substack for exclusive bonus content, Q&As & discounts with companies who share Biblical values:https://bregenerated.substack.com/ Schedule a free regenerative nutrition discovery call:https://tidycal.com/beregeneratedJoin the Brotherhood & take dominion of your nutrition, fitness & vitality:BeRegenerated.com/brotherhoodNutrition individual & group coaching:https://beregenerated.com/fertility/ FOLLOW: Instagram - instagram.com/beregeneratedYouTube youtube.com/beregeneratedX – x.com/cameronwedel

In the spirit of broadening the analysis beyond ICE, Border Chronicle cofounders Melissa del Bosque and Todd Miller discuss the leading role the U.S. Border Patrol has played in violent operations across the country.We analyze how these shocking immigration sweeps—such as the one in Minneapolis that killed Renée Good and Alex Pretti—extend the U.S. border into the interior. To understand these operations, it is essential to examine the extraconstitutional powers that the Border Patrol has long exercised in the borderlands, where the agency has enjoyed impunity for its abuses. The people of the borderlands and border crossers have faced this ironfisted authoritarianism for decades.Today, the United States appears to be entering a new phase of expanded border policing—similar to the Operation Gatekeeper deterrence of the 1990s or the sweeping powers and massive budgets that followed 9/11. Now the border can be anywhere, and the guns pointed at anyone—all with the enthusiastic support of the defense contractors who stand to profit.But the good news is, people have had enough.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/In this episode of With Flying Colors, Mark Treichel is joined by former NCUA senior leaders Todd Miller and Steve Farrar for a deep dive into NCUA's 2026 Supervisory Priorities Letter — and what it means in the real world for credit unions heading into the next exam cycle. Deep Dive on NCUA Priority Lett…With significant staffing reductions at the agency and a shift toward more “risk-based” supervision, the group discusses whether exam programs will truly become more tailored — or whether credit unions should expect more conservative ratings, more findings, and less dialogue.The conversation also explores what's emphasized, what's missing, and how operational realities inside NCUA may shape supervision more than policy statements.Key Topics Discussed

We talk with Todd Miller about the militarization of the border. Todd Miller has researched and written about border issues for more than 15 years, the last eight as an independent journalist and writer. He resides in Tucson, Arizona, but also has spent many years living and working in Oaxaca, Mexico. His work has appeared in the New York Times, TomDispatch, The Nation, San Francisco Chronicle, In These Times, Guernica, and Al Jazeera English, among other places.Miller has authored three books: The forthcoming Empire of Borders: The Expansion of the U.S. Border Around the World (Verso, 2019), Storming the Wall: Climate Change, Migration, and Homeland Security (City Lights, 2017), and Border Patrol Nation: Dispatches from the Front Lines of Homeland Security (City Lights, 2014). Do you get the newsletter? A Correction Podcast Episodes RSS

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/In this special preview episode of With Flying Colors, Mark Treichel tees up an upcoming live, on-stage discussion from the Florida Q's Cruise with team members Steve Farr and Todd Miller.Just days before the cruise, NCUA released its 2026 Supervisory Priorities Letter, and as always, that letter gives us important clues about what examiners will be focused on in the year ahead — and just as importantly, what's driving examiner behavior behind the scenes.This episode serves as a primer for the deeper, post-cruise discussion, where we'll incorporate real-time feedback and questions from credit union leaders attending the cruise.

This has been a difficult week, as many mourn the deaths of Renee Good and others at the hands of ICE. As enforcement actions escalate across the country, the whole country becomes part of the borderlands, and thoughtful, detailed reporting from the region continues to become ever more important. This week, we were happy to bring you a review by Caroline Tracey of an art exhibition by Sonora-born artist Miriam Salado that touched on themes of natural resources and violence in the Sonoran Desert and a reported analysis by Todd Miller about how a dramatic increase in private contracts figures into current border enforcement. Melissa del Bosque also spoke with border activist and ex-Border Patrol agent Jenn Budd about the recent ICE killings and agent impunity. Now and into the future, we appreciate your readership and support!This week in The Border Chronicle:Upcoming arts and culture events:For those readers in Phoenix, Arizona, there are two art events that may be of interest to Border Chronicle readers. This evening—Friday, January 16—artist Karima Walker, whose work was featured in this January 2025 article about the Santa Cruz River, opens Seers, a solo show related to themes of surveillance and artificial intelligence, at Step Gallery.At Casa Caracol's Raíz Gallery, artist maryhope | whitehead | lee's solo exhibition, “Deadly Crossing: Death and Disappearance in the Sonora|Arizona Borderlands” is on view through Saturday, January 24. There will be a closing reception and borders collage workshop that day from 3-6 p.m.More News from the Border:Trump warned of a Tren de Agua invasion. US intel told a different story. WIREDThe U.S. is pressing Mexico to allow U.S. forces to fight cartels. The New York TimesCochise Cronyism, Pt.1: A rural Arizona sheriff, ICE, and a quarter of a million dollars. Cochise County NewsCochise Cronyism, Pt. 2: Sheriff used office to shill for Canadian drone company seeking to cash in on militarized law enforcement. Cochise County NewsStraight out of Project 2025: Trump's immigration plan was clear. Capital and MainHow Donald Trump has transformed ICE. The New YorkerMedical examiner likely to classify death of ICE detainee as homicide, recorded call says. The Washington PostICE prosecutor who runs racist X account returns to Dallas immigration court. Texas Observer‘ELITE': The Palantir app ICE uses to find neighborhoods to raid. 404 MediaInside ICE's tool to monitor phones in entire neighborhoods. 404 MediaTexas police invested millions in a shadowy phone-tracking software. They won't say how they've used it. Texas ObserverYou've heard about who ICE is recruiting. The truth is far worse. I'm the proof. SlateICE agents detain Navajo man in Arizona, ignoring US, tribal IDs. The Arizona RepublicFinally, while your holiday shopping might be finished, don't forget to check out The Border Chronicle's online Bookshop store to find something new to read! You'll find the books we've covered as well as Todd, Melissa, and Caroline's own books. A portion of all sales benefits our work.Support independent journalism from the U.S.-Mexico border. Become a paid subscriber today for just $6 a month or $60 a year. Get full access to The Border Chronicle at www.theborderchronicle.com/subscribe

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/NCUA exam reports often contain more than meets the eye.Examiner findings, supplementary facts, and documents of resolution may look like routine supervisory language — but each serves a distinct purpose and sends a different signal to credit union boards and management.In this episode of With Flying Colors, Mark Treichel is joined by former NCUA senior leaders Steve Farr and Todd Miller to break down how exam reports are structured, how issues escalate, and what credit unions should be paying attention to long before enforcement actions appear.Drawing on decades of NCUA experience, the discussion explains how examiners decide where issues belong in the report, why volume matters as much as severity, and how governance and communication failures often sit at the root of repeat findings.This is an evergreen episode for any credit union executive, board member, or compliance professional who wants to better understand what NCUA is really saying — and how to respond effectively.In This Episode, We Discuss:The practical differences between examiner findings, supplementary facts, and documents of resolutionWhy a long list of “minor” findings can be a major warning signHow supplementary facts are used to signal emerging risk and specialist concernsWhat elevates an issue into a document of resolutionThe SMART framework examiners are expected to use — and where it breaks downHow unresolved issues contribute to CAMEL rating pressureWhy corporate governance increasingly appears in exam reportsThe role communication plays in preventing escalationWhat boards should ask before approving a document of resolutionWho Should Listen:Credit union board membersCEOs and executive leadership teamsCompliance, risk, and governance professionalsCredit unions preparing for an upcoming NCUA examInstitutions experiencing repeat findings or growing examiner scrutinyKey Takeaway:NCUA exam reports are not just compliance documents — they are communication tools. Understanding how examiners signal concern helps credit unions prioritize issues, respond proportionately, and avoid unnecessary escalation.About the Host:Mark Treichel is a former senior NCUA executive and the founder of Credit Union Exam Solutions. With more than three decades of regulatory experience, Mark helps credit unions understand NCUA expectations and navigate examinations with confidence.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/In this quarterly roundtable episode of With Flying Colors, Mark Treichel is joined by former NCUA executives Dennis Bauer, Steve Farrar, and Todd Miller to break down the NCUA Q3 2025 Quarterly Credit Union Data Summary.The discussion highlights a key theme: the credit union system is gradually returning to a more normal operating environment after years of rate shocks, pandemic liquidity, and balance-sheet distortion.Key topics include improving net interest margins, rising non-interest expenses, and why ROA gains lag margin recovery. The panel examines growing pressure in auto and credit card portfolios, increased repossessions, and what delinquency trends suggest heading into 2026. They also explore liquidity stabilization, shifts in share mix, and renewed investment risk-taking as some credit unions bet on future rate cuts.Additional insights include CAMEL rating trends, HELOC utilization growth, differences between credit union and community bank performance, and what examiner behavior may look like amid NCUA staffing constraints.This episode is designed for credit union executives, board members, and risk leaders looking for plain-English interpretation of regulatory data—without spin or hype.

In this hour of At Home with Gary Sullivan, Gary dives into home improvement topics with a caller discussing voles and moles in the yard. He also chats with Todd Miller, a metal roofing expert, about the benefits of metal roofing, including its durability and energy efficiency. They discuss how metal roofing can save homeowners money on insurance and energy bills, and how it's becoming a popular choice for those looking to replace traditional asphalt shingles. Gary also shares tips on how to properly install a metal roof and what to look for when choosing a metal roofing contractor.See omnystudio.com/listener for privacy information.

In this hour of At Home with Gary Sullivan, Gary dives into home improvement topics with a caller discussing voles and moles in the yard. He also chats with Todd Miller, a metal roofing expert, about the benefits of metal roofing, including its durability and energy efficiency. They discuss how metal roofing can save homeowners money on insurance and energy bills, and how it's becoming a popular choice for those looking to replace traditional asphalt shingles. Gary also shares tips on how to properly install a metal roof and what to look for when choosing a metal roofing contractor.See omnystudio.com/listener for privacy information.

Gary chats with Todd Miller, a metal roofing expert from Classic Metal Roofing. They dive into the growing metal roofing industry, discussing how natural disasters and changing insurance regulations are driving homeowners to consider metal roofs. Todd shares the benefits of metal roofing, including its durability, energy efficiency, and resistance to hail and high winds. They also discuss the importance of choosing the right manufacturer and installer, and the value of warranties in metal roofing. This conversation is a must-listen for anyone considering a new roof or looking to upgrade their current one.See omnystudio.com/listener for privacy information.

This hour of "At home with Gary Sullivan" focuses on home improvement and maintenance. Gary discusses the importance of removing road salt residue from driveways and sidewalks after a snowy winter. He also talks to a caller about attic insulation, advising that it's not always necessary to replace existing insulation, but rather to add more on top. Additionally, Gary interviews Todd Miller from Classic Metal Roofing, who shares the benefits of metal roofing, including its durability, energy efficiency, and resistance to hail and fire. They also discuss the growing trend of metal roofing and how it's becoming a popular choice for homeowners.See omnystudio.com/listener for privacy information.

Gary chats with Todd Miller, a metal roofing expert from Classic Metal Roofing. They dive into the growing metal roofing industry, discussing how natural disasters and changing insurance regulations are driving homeowners to consider metal roofs. Todd shares the benefits of metal roofing, including its durability, energy efficiency, and resistance to hail and high winds. They also discuss the importance of choosing the right manufacturer and installer, and the value of warranties in metal roofing. This conversation is a must-listen for anyone considering a new roof or looking to upgrade their current one.See omnystudio.com/listener for privacy information.

This hour of "At home with Gary Sullivan" focuses on home improvement and maintenance. Gary discusses the importance of removing road salt residue from driveways and sidewalks after a snowy winter. He also talks to a caller about attic insulation, advising that it's not always necessary to replace existing insulation, but rather to add more on top. Additionally, Gary interviews Todd Miller from Classic Metal Roofing, who shares the benefits of metal roofing, including its durability, energy efficiency, and resistance to hail and fire. They also discuss the growing trend of metal roofing and how it's becoming a popular choice for homeowners.See omnystudio.com/listener for privacy information.

Lee's Summit head coach Todd Miller joined The Drive to discuss his team Missouri class 6 state title.

In this episode of Construction Disruption, we delve into the incredible journey of Todd Miller, President of Isaiah Industries, as we turn the tables and put him in the guest seat. With over 40 years in the metal roofing industry, Todd shares his vast experience, industry challenges, and the exciting growth of metal roofing in residential spaces. We also explore the significant shifts in consumer behavior, the importance of knowing your numbers, and the strategies for contractors to thrive in today's changing market. Tune in to gain valuable insights from an industry legend!Timestamps00:00 Introduction01:57 Todd Miller's Career Journey07:22 Evolution of the Metal Roofing Industry14:54 Challenges and Opportunities in Metal Roofing22:10 Current Market Dynamics Post-COVID25:00 Understanding the Modern Homeowner's Buying Journey26:00 The Importance of Customer Experience26:43 Adapting to the New Consumer Behavior28:38 Advice for Contractors in the Coming Years30:29 Aligning with Good Suppliers32:06 The Role of Industry Leadership33:25 Challenges and Opportunities in Metal Roofing34:46 The American Dream and Affordable Housing36:36 Personal Reflections and Rapid Fire Questions38:25 Final Thoughts and Contact InformationConnect with Todd OnlineLinkedIn: https://www.linkedin.com/in/todd-miller-31b2661/Website:https://isaiahindustries.com/Email: todd.miller@isaiahindustries.comFor more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

In this episode of Construction Disruption, host Todd Miller from Isaiah Industries and co-host Ryan Bell engage in an insightful conversation with Ashley Moss, owner and president of MRS Roof Pros in Greenville, South Carolina. This episode delves into Ashley's unique journey into the roofing industry, the challenges, and the innovative approaches of her female-led roofing company.Ashley shares her transformation from an HR assistant to an organizational development specialist, ultimately leading to the creation of MRS Roof Pros in 2025. The discussion explores how Ashley's company differentiates itself by adopting a design-build approach to roofing, focusing on customer partnerships, and using technology to enhance the sales process. From bringing an interior designer's touch to incorporating customer trust, Ashley's journey offers a fresh and inspiring perspective on the roofing industry.Timestamps00:00 Introduction to Construction Disruption01:08 Exploring Design-Build Approach in Roofing01:35 Introducing Ashley Moss of MRS Roof Pros02:39 Ashley's Journey into Roofing06:01 Reimagining the Roofing Process09:47 Challenges in the Roofing Industry12:33 Future Plans for MRS Roof Pros15:37 The In-Home Sales Process21:26 Product Selection and Technology23:05 Technological Advances in Roofing23:33 Female Perspective in a Male-Dominated Industry26:04 Challenges and Surprises in Business28:42 Inspiration and Mentorship35:28 Rapid Fire Questions40:19 Final Thoughts and FarewellConnect with Ashley OnlineLinkedIn:https://www.linkedin.com/in/ashley-moss-a4384452/Website: https://mrsroofpros.com/Facebook: https://www.facebook.com/p/MRS-Roof-Pros-61579258323910/?_rdrInstagram: https://www.instagram.com/mrs_roof_pros/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Episode SummaryIn this archive episode of With Flying Colors, Mark sits down with Todd Miller — longtime NCUA expert, former Director of Special Actions, and member of the CU Exam Solutions team — to break down one of the most misunderstood and under-optimized tools in credit union governance: the board package.Boards get in trouble not because they don't care, Todd explains, but because they are often misinformed, overwhelmed, or kept in the dark. A well-designed board package solves that — if it's built with the right mix of clarity, consistency, and candor.Todd explains:What high-performing board packages includeWhy “size and complexity” shape reporting expectationsThe danger of data dumps, inconsistent formatting, and detail overloadHow to pair dashboards with strong qualitative narrativesThe one question every executive should answer in their reportsWhy peer comparisons matterHow risk appetite, strategic plans, and deviation explanations must tie togetherReal-world stories from troubled and well-run credit unionsHow to avoid examiner criticism by aligning reporting with actual riskThis episode is full of practical actions your board and leadership team can apply immediately.Key Themes & Takeaways1. Great Board Packages Balance Qualitative + Quantitative ReportingTodd outlines a simple principle: Board reports should demonstrate management's compliance with the business plan, board policies, and the credit union's risk appetite. transcript Board Packages Todd …Boards need both data and narrative to understand where the credit union is, how it got there, and where it's going.2. Consistency Builds Board TrustFrom formatting to color-coding to dashboards, consistency helps directors quickly understand risk without getting bogged down.Inconsistent layouts or disorganized reporting create confusion and can lead to micromanagement or oversight failures.3. Avoid the “Data Dump” TrapTodd highlights that many troubled credit unions had mountains of data… but no clarity. Board packets that keep expanding over time—without periodic pruning—bury critical insights.Annual reviews of what stays, what goes, and how information is summarized are essential.4. Dashboards Are Critical — But Must Be Thoughtfully BuiltDashboards should show:Where the CU has beenWhere it is nowWhere it's trending nextThey must also be paired with narrative analysis to flag:VariancesDeviations from strategic/annual plansNew risksNew opportunities5. The Biggest Blind Spot: Credit Risk ReportingCredit risk is the No. 1 cause of failures. Todd explains how to reduce hundreds of pages into 2–3 meaningful pages with:Risk migration visualsLTV + credit score overlaysPortfolio trendsBusiness loan concentration & large-borrower exposure6. Committees Create Risk — and Reporting ObligationsALCO, lending, IT, risk committees… Boards need visibility but not minutiae.Todd walks through how well-run credit unions:Summarize committee outputElevate red flagsKeep the board focused on strategy, not operations7. Real-World Stories—The Good, The Bad, The UglyTodd shares examples of:39 unprofitable branches hidden in an overly detailed packetBoards blindsided by marijuana banking risk and resulting finesA $4 million depositor walking out because the board lacked contextThese stories underscore the need for transparency, context, and prioritization.Why This MattersA strong board package:Improves governanceEnhances regulator confidencePrevents surprisesSupports faster, cleaner examsKeeps boards strategicHelps management demonstrate competence and controlThis episode is a must-listen for CEOs, CFOs, lending executives, and directors looking to elevate their governance culture.

SUMMARY In this episode, Kapki-Yukwonsul Todd Miller shares his extensive journey in martial arts, spanning nearly 40 years. He discusses his early influences, including martial arts films, and how he began training in Taekwondo before transitioning to Hapkido. He reflects on his transformative experiences training in Korea, the challenges he faced in teaching during economic downturns, and the importance of character and discipline in martial arts. He emphasizes the value of continuous learning and the camaraderie found within martial arts communities. Lastly, he also shares his aspirations for the future and encourages others to embrace their own martial arts journey.   TAKEAWAYS Todd Miller has been training in martial arts for almost 40 years. His journey began with a fascination for martial arts movies like Billy Jack and Bruce Lee films. He started training in Taekwondo before transitioning to Hapkido. Training in Korea was a life-changing experience for him, exposing him to a different culture and training style. Todd emphasizes the importance of character and discipline in martial arts training. He faced challenges in teaching during economic downturns but remained resilient. Todd believes in the importance of continuous learning, even after decades of training. He values the camaraderie and kindness found in martial arts communities. Todd's current focus is on Hapkido and sharing his knowledge with students. He encourages martial artists to walk their own path and embrace the journey. To connect with Todd Miller: hkdtodd@gmail.com   Join our EXCLUSIVE newsletter to get notified of each episode as it comes out! Subscribe — whistlekick Martial Arts Radio   This episode is sponsored by Kataaro. Please check out their site at www.kataaro.com for your holiday gift giving needs. Be sure to check out their Martial Arts Belt Pagoda Display! And use the code WK10 to save 10% off your first order. And be sure to ask them about a wholesale account for school owners!

In this episode of Construction Disruption, Todd Miller sits down with Micah Boak from Metallion Industries. With over a decade of experience in the metal roofing industry, Micah shares valuable insights on sales, the benefits of metal roofing, and how faith and gratitude play a crucial role in his career.Micah's unique approach to maintaining a positive attitude and embracing challenges provides a refreshing perspective on both personal and professional growth. Tune in to hear powerful stories and practical advice on how to adopt a mindset of gratitude and faith in both life and business.Timestamps00:00 Introduction to Construction Disruption00:21 Meet Micah Boak: A Journey in Metal Roofing01:55 The Appeal of Metal Roofing05:06 Faith and Career: Micah's Personal Journey08:21 The Power of Gratitude and Positive Attitude09:46 Daily Routines and Mindset18:34 Challenges and Lessons Learned25:46 Rapid Fire Questions and Closing ThoughtsConnect with Micah OnlineLinkedIn: https://www.linkedin.com/in/micah-boak-7b47a5337/Website: https://metallionindustries.comEmail: micah@metallionindustries.comPhone: (503) 630-7513For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

This is a special Archive Thursday episode of With Flying Colors. In this conversation with Steve Farrar and Todd Miller, we explore what it really means when a credit union is downgraded to a CAMEL Code 4.We discuss the implications for NCUA supervision, administrative actions, and how examiners begin building a formal record. You'll learn about the added burden of frequent exams, the role of letters of understanding and agreements, and how Code 4 status impacts liquidity options, board responsibilities, and long-term viability.Packed with hard-earned insights from decades inside NCUA, this archive episode helps credit unions understand both the risks and the pathways to recovery when facing a Code 4 downgrade

The Tigers coach previews his team's playoff game with Lee's Summit North

This Archive Thursday episode of With Flying Colors revisits a timely and important topic: corporate governance. Mark is joined by former NCUA colleagues Todd Miller and Steve Farrar  to explore why governance issues are at the heart of many troubled credit unions.They cover:How poor governance can sink an institution — and how strong governance can turn it around.The importance of tone at the top, ethics, and board oversight.Why diversity of skills, demographics, and perspectives matters for boards.The regulatory framework: NCUA's limited guidance versus FDIC's more robust tools.Resources for directors, including FDIC pocket guides, training, and self-assessments.Real-world stories from examinations, conservatorships, and boardrooms.Whether you're a director, executive, or examiner, this episode highlights why governance is more than compliance — it's culture, accountability, and the foundation of credit union safety and soundness.

In this episode of Construction Disruption, host Todd Miller and co-host Seth Heckaman from Isaiah Industries discuss the future of sales with bestselling author and leading sales coach Jeb Blount. Jeb shares his insights on fanatical prospecting, the impact of AI on sales, and the importance of emotional intelligence for sales professionals. He also introduces his new book, The LinkedIn Edge, and discusses practical strategies for leveraging LinkedIn for both fast and slow prospecting. Discover how to enhance your sales techniques, build stronger relationships, and stay ahead in the evolving landscape of sales.Timestamps00:00 Introduction and Welcome00:27 A Quick Story About Horses01:21 Introducing Jeb Blount02:40 Jeb's Journey in Sales and Leadership05:19 The Inspiration Behind 'The AI Edge'07:06 The Role of AI in Sales and Business14:50 The LinkedIn Edge: Enhancing Sales with AI19:13 Fast and Slow Prospecting Strategies25:54 Creating Buying Windows26:32 The Concept of Slow Prospecting27:12 Breaking Down the Book's Approach28:02 The Role of Emotional Intelligence in Sales28:23 AI and the Future of Sales30:04 The Consultant's Role in Modern Sales33:15 Advice for New Sales Professionals37:42 Sales Gravy's Services and Growth41:37 Family-Run Business Dynamics47:00 Rapid Fire Questions49:42 Conclusion and Contact InformationConnect with Jeb OnlineLinkedIn: https://www.linkedin.com/in/jebblount/Email: jeb@salesgravy.comWebsite: https://salesgravy.com/The LinkedIn Edge Book: https://amzn.to/47yYBJJFor more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

This is a special Archive Thursday episode of With Flying Colors. In this conversation with Todd Miller and Steve Farrar, we dive into what happens when a credit union is downgraded to a CAMEL Code 3.We explore how NCUA approaches Code 3 institutions, what extra exams and follow-ups to expect, the impact of documents of resolution and regional director letters, and why boards and management must act decisively to restore stability.Packed with decades of insider perspective, this episode is a must-listen for anyone wanting to understand the practical realities of moving from a 1 or 2 to a 3.

This week we're bringing back an archive episode of With Flying Colors that remains just as relevant today as when it was first recorded.I'm joined by Steve Farrar and Todd Miller, both longtime NCUA veterans and now part of my team at Credit Union Exam Solutions. Together, we break down what it means if NCUA directs your credit union to conduct an organizational review—and why this is one of the most serious signals an examiner can send.In this episode, we cover:Why an organizational review is almost always tied to serious management or governance weaknesses.How CAMELS codes connect to “unwilling or unable” management findings.The difference between NCUA's approach and how the FDIC structures its organizational review requirements.The role of third-party consultants, approval requirements, and pitfalls boards must avoid.Why humility and proactive planning are key if your credit union receives this directive.War stories from our years at NCUA—including conservatorship cases and tough appraisal calls—that illustrate the real-world consequences.If you've ever wondered what this type of supervisory action means for a board, a CEO, or an examiner, this conversation will give you candid insight from those who have lived it.

In this episode of Construction Disruption, hosts Todd Miller and Scott Clifton from Isaiah Industries delve into the world of financing for contractors with guest Chris Scoville, CEO of Improvifi. Chris shares his unique approach to providing comprehensive financing solutions tailored for home improvement contractors. With a deep background in both construction and finance, Chris discusses how Improvifi offers lending solutions, sales training, support systems, mobile app technology, and a certified contractor network to help contractors grow. Learn about the importance of soft credit pulls, compliance in financing, and how proper training can transform a contractor's business. This episode is packed with insights on making home improvement projects more affordable and scaling your contracting business successfully.Timestamps00:00 Introduction and Welcome01:34 Meet the Guest: Chris Scoville of Improvifi03:54 Chris's Journey and Passion for Home Improvement06:58 The Five Pillars of Improvifi11:01 Challenges and Solutions in Contractor Financing16:47 Understanding Soft Credit Pulls and Compliance22:51 Introduction to Improvifi Program School23:57 Advanced Training and Community Support24:51 Cost and Value of Membership26:57 Success Stories and Impact28:43 Ensuring Stability in Financing Programs31:57 Getting Started with Improvifi35:52 Rapid Fire Questions39:18 Closing Remarks and Contact InformationConnect with Chris OnlineLinkedIn: https://www.linkedin.com/in/cscoville/Website: https://www.improvifi.com/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/ In this episode of With Flying Colors, host Mark Treichel sits down with Scott Gladden and Kenny Ray Mitchell of Innovations Credit Union to preview the CUES Florida Council Cruise happening January 16–20, 2026. This unique event combines professional development, networking, and a Caribbean getaway—all tailored for credit union leaders, board members, and supervisory committees.What You'll Learn in This Episode:The origins of the CUES Council Cruise and how it became a 20-year tradition of education and collaboration.Event details: sailing on Royal Caribbean's Radiance of the Seas from Fort Lauderdale to Grand Bahama Island and Nassau.Why the cruise is open to all credit union professionals across the country—not just Florida.The speaker lineup, including:John DeLoach, credit union attorney (compliance, BSA, OFAC updates)Trey Rudder, Corporate America (financial training for boards and committees)Mike Mola, Olden Lane (industry consolidation, subordinated debt)Mark Treichel, Steve Farrar, and Todd Miller of CU Exam Solutions (strategies to pass your NCUA exam with flying colors)Perks of the cruise: deluxe beverage package, included Wi-Fi, networking receptions each evening, and a relaxed but focused learning environment.How the informal conversations—over coffee, dinner, or a glass of wine—often prove just as valuable as the sessions themselves.Why Attend? If you're looking to combine professional development with a January getaway, the CUES Council Cruise is an affordable, high-impact option. You'll return with new insights, stronger connections, and renewed energy to lead your credit union.Event Info

In this special archive replay of With Flying Colors, Mark Treichel is joined by his colleagues Steve Farrar and Todd Miller — both former senior leaders at NCUA — to discuss why regulators sometimes ask to meet directly with a credit union's board of directors without management present.They break down the nuances, including:When it's routine vs. when it's unusual.Why NCUA may ask to meet with a board chair separately.Situations where examiners want to hear directly from board members.The role of supervisory committees and board governance accountability.How boards should prepare — including when to ask for an agenda, whether to bring counsel, and why you should avoid making commitments in the room.This candid discussion highlights the importance of communication, trust, and preparedness when navigating examiner requests.Key TakeawaysA request to meet with a board chair is often routine and about building trust.A request to meet with the full board without staff is rare — usually a signal of deeper concerns.Boards should listen carefully, avoid agreeing to actions on the spot, and consider legal counsel if appropriate.Examiners are trained in conflict resolution — open, respectful dialogue goes a long way.Recording or documenting meetings can protect both parties and ensure clarity.ResourcesLearn more about how Credit Union Exam Solutions supports boards and executives: marktreichel.comSubscribe to With Flying Colors on your favorite podcast app for more insights on navigating NCUA exams.

In this episode of Construction Disruption, host Todd Miller and co-host Ryan Bell engage in a riveting conversation with Rob Haddock, CEO and founder of S-5! and owner of Metal Roof Advisory Group. With over 50 years of industry experience, Rob delves into his remarkable journey from professional bull riding to becoming a pioneer in the metal roofing and solar industries. He shares insightful perspectives on metal roofing innovations, the challenges contractors face, the influence of the federal tax credit on solar, and the significance of trade associations. The discussion also highlights Rob's philanthropic endeavors and the values driving his global enterprise. Tune in for a fascinating look at leadership, innovation, and making a positive impact.Timestamps00:00 Introduction and Opening Remarks00:45 Meet the Guest: Rob Haddock02:37 Rob Haddock's Journey from Bull Riding to Metal Roofing06:24 Innovations in Metal Roofing and Solar Attachment18:04 Global Presence and Business Structure of S-5!20:13 Challenges and Future of Solar and Metal Roofing32:55 Rapid Fire Questions and Closing RemarksConnect with Rob OnlineLinkedIn: https://www.linkedin.com/in/robhaddock/Website: https://www.s-5.com/Metal Roof Advisory Group: https://rmhaddock.com/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

Cougar Day, the biannual celebration of BYU Men's Golf, was an amazing gathering of history and greatness, and a perfect send off to the 2025 Cougar squad. Todd Miller, Mike Weir, Tony Finau and Johnny Miller join in. Sponsored by Goldenwest Credit Union. 

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Credit Unions vs. Banks: What Q2 Data RevealsIn this episode of With Flying Colors, Mark Treichel is joined by Steve Farrar, Todd Miller, and Dennis Bauer to break down the latest Q2 reports from NCUA and FDIC. Together, they unpack what the numbers really mean for credit unions, banks, and the communities they serve.What you'll learn in this episode:

In this episode of Construction Disruption, host Todd Miller of Isaiah Industries and co-host Ryan Bell chat with Samantha McGuinness, founder of Enabled Consulting. They dive into the world of lead generation in the home improvement industry, focusing particularly on the power of face-to-face marketing, where you'll learn Samantha's proven frameworks to reduce lead generation costs, increase issued appointments, and optimize your marketing strategy. Samantha emphasizes the importance of personal connections and outlines her four pillars—Positioning, Precision, Performance, and Profit—as key elements for successful marketing strategies.The conversation also touches on current trends, the need for creative yet systematic approaches to lead generation, and the overarching value of authenticity in business. Samantha's insights provide valuable takeaways for contractors looking to enhance their lead generation efforts and build stronger, more effective marketing teams.Timestamps00:00 Introduction and Welcome01:12 Meet Samantha McGuinness: Founder of Enabled Consulting02:22 The Importance of Face-to-Face Marketing03:01 Samantha's Journey in the Home Improvement Industry05:17 Challenges and Trends in Lead Generation11:22 The Four Ps of Enabled Consulting13:06 Creative Approaches to Lead Generation19:12 Client Success Stories and Trends26:06 Rapid Fire Questions30:49 Conclusion and Final ThoughtsConnect with Samantha OnlineLinkedIn: https://www.linkedin.com/in/samantha-m-14331780/https://enabledremodeler.com/https://www.facetofacemarketingnetwork.com/https://ftftraining.com/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

In this episode of Construction Disruption, Todd Miller of Isaiah Industries, along with Vice President of Sales, Seth Heckman, host Tony Hoty, the founder and CEO of Window Expo, Bath Expo, and Tony Hoty Training and Consulting. They discuss Tony's extensive background in the home improvement industry and focus on actionable insights for lead generation, sales conversion, and recruiting top talent. Tony shares his unique approach to 24/7 showrooms, the importance of differentiation in marketing, and the impact of AI on consumer behavior.Timestamps00:00 Introduction and Weekly Highlights01:54 Special Guest Introduction: Tony Hoty03:05 Tony Hoty's Journey in Home Improvement05:59 Innovative 24/7 Showroom Concept10:22 Consulting and Training for Contractors11:47 Effective Lead Generation Strategies21:13 Retail Showrooms and Seasonal Strategies24:44 Key Challenges for Companies at Different Scales26:10 Training and Replicating Success28:40 Effective Sales Practices and Success Stories31:42 Industry Shifts and the Role of AI33:47 Starting a Home Improvement Company35:09 Meet the Consulting Team38:00 Onboarding New Clients40:27 Rapid Fire Questions44:15 Conclusion and Contact InformationConnect with Tony OnlineLinkedIn: https://www.linkedin.com/in/tonyhoty/Website: https://tonyhoty.com/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp