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FEATURE How Member One Finds And Fosters Internal Talent

The completion of bi-annual dream sheets ensures employees at the Virginia cooperative take charge of their own career advancement.

By Drew Grossman

November 24, 2014


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FEATURE Optimizing Your Card Portfolio in a post-CARD Act World Exclusive Content

In a post-CARD Act environment, all credit union credit card issuers need to understand their card program’s performance. With as many as one in five programs losing money, the need for action has never been more urgent.

By Callahan & Associates

March 25, 2014


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FEATURE Measuring and Managing Your Credit Card Program Profitability Exclusive Content

To keep your card program healthy, an understanding of current profitability levels and long-term pressures is critical. This session provides the tools, models, and techniques valuable to all credit unions that either currently issue credit cards or are considering doing so.

By Callahan & Associates

March 25, 2014


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FEATURE A Tale of Two Cards: Rewards v. Non-Rewards Exclusive Content

This session will educate attendees on how to successfully manage a rewards program for their card holders, including rollout and redesign planning considerations, ongoing portfolio management, expense control and vendor analysis considerations.

By Callahan & Associates

March 25, 2014


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FEATURE Use Member Data to Perfect Your Credit Card Program Exclusive Content

Everyone knows that credit unions have advantages envied by many large banks. Many of these advantages have to do with member stability, information and affinity. This session will offer insights into how a credit union can use best-in-class information, both external and internal, to make the most of its credit card program.

By Callahan & Associates

March 25, 2014


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FEATURE Budgeting For Your Credit Card Program Exclusive Content

With so many variables in play it can be very difficult to forecast and budget for your credit card program. This session will provide up-to-date information on market performance expectations for the coming year as well as suggested planning structures and expectations for any credit union that takes its card program seriously.

By Callahan & Associates

March 25, 2014


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FEATURE Credit Card Management School: Market Review Exclusive Content

Every credit card program exists within a challenging competitive environment and overall economy. This first session will set the stage for the year, providing background on what the largest issuers are doing, what economic forces are in play, and what challenges are most important to credit union card issuers. As always, we look to identifying our advantages and ensuring we know how to make the ​

By Callahan & Associates

March 25, 2014


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FEATURE Underwriting & Risk Management: Balancing Risk, Reward, Value & Service Exclusive Content

Risk management for credit cards has never been more challenging. Our largest competitors have moved well beyond credit scores for their decisions, ongoing risk-management techniques become ever more sophisticated and bad decisions can haunt your credit union for years to come. This session will offer insights into developing trends as well as providing specific employable techniques for improving​

By Callahan & Associates

March 25, 2014


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FEATURE Product Set Design: Pricing, Rewards, and Overall Value  Exclusive Content

In the battle to maintain relevance to your members, credit unions need to continually reassess the value provided by their credit card products. "Lowest Rate" is rarely enough (or even best). Understanding different member needs, segmenting your product set accordingly and targeting the value propositions carefully a credit union can increase penetration, grow its program, best serve individual m​

By Callahan & Associates

March 24, 2014


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FEATURE Credit Card Management School: Card Marketing Exclusive Content

Successfully promoting and growing a card program requires a multi-faceted approach: new accounts, existing accounts, and inactive account all need your attention. This session will offer segmentation and marketing approaches that work at a credit union scale, and will include specific marketing campaign examples of what works (and what doesn't).

By Callahan & Associates

March 24, 2014


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FEATURE Governance: Is Yours Up To The Task?

Unlocking your board’s full potential is a complex undertaking. Without board confidence, no governance model will be successful.

By Sean Hession

February 18, 2013


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FEATURE Debit-Driven Promotions Deliver Results

Follow the lead of cooperative peers to add value, grow membership, and boost interchange earnings.

By Aaron Pugh

December 17, 2012


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FEATURE P2P Payments Go Mainstream Among Membership

Veridian Credit Union waited for peer payment technology to fully mature before jumping on board. Now members and the institution are reaping the rewards.

By Aaron Pugh

November 05, 2012


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FEATURE Credit Union Delinquency Improves Again

Credit unions’ asset quality continues to be stronger than banks in the first half of the year.

By Andrew Bolton

October 15, 2012


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FEATURE A Vision For Future Mobility

Embrace core image processing and enhance institutional access to membership.

By Callahan & Associates

July 23, 2012


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PARTNER PERSPECTIVE Adapt To Changing Mortgage Markets

Additional tools and new strategies can enhance success among small lenders.

By Fannie Mae
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July 23, 2012


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FEATURE Upbeat On Mortgages

Callahan & Associates analyst Lydia Cole reviews credit unions’ 1Q 2012 mortgage performance.

By Melissa Forsyth

June 28, 2012


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FEATURE Memorial Day: A World Trade Center Reflection

Credit unions are working to create better futures for generations to come.

By Chip Filson

May 24, 2012


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FEATURE Great Leaders’ Quest For Elegance

Successful executives will seek to simplify processes and rid their organizations of inefficiencies.​

By Paul Stull

May 24, 2012


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FEATURE Superhero Savings

Steven Bugg, chief marketing officer of Heritage Federal Credit Union, shares the "Super Saver" campaign strategy.

By Melissa Forsyth

April 26, 2012


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FEATURE Planting Seeds Of Savings

Laura Mugge of Electro Savings Federal Credit Union explains her credit union's evergreen tree seedling program to promote youth saving.

By Melissa Forsyth

April 25, 2012


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FEATURE Executive Life Balance

Members depend on GUASFCU’s executives, who are also full-time students, to deliver outstanding service.​

By Rebecca McClay

April 24, 2012


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FEATURE Credit Unions Creating The Next Economy

As America continues to transform itself economically, credit unions are becoming more involved in their communities.

By Chip Filson

March 26, 2012


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FEATURE Any NCUA Board Appointment Is An Opportunity

Credit unions should seek to ensure that the appointment process restores confidence in the political process.

By Chip Filson

March 19, 2012


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FEATURE The Power of Transparency

Transparency allows for all to take informed action, which is why disclosure is built into the cooperative system.

By Chip Filson

February 13, 2012


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FEATURE Successful Credit Card Promotion

Jim Norris, CEO of Montgomery County Employees FCU, explains how the credit union is securing double-digit growth in its credit card portfolio.

By Rebecca McClay

January 12, 2012


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FEATURE How Would Martin Luther King Jr. Speak To Us Today?

The exam process in North Carolina is compromising cooperative values and critical aspects of the credit union system.

By Chip Filson

January 10, 2012


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FEATURE A Loan Promotion That Works

Apple Federal Credit Union shares the success of its Realize Your Dream loan promotion.

By Brianne Aiken

December 15, 2011


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FEATURE Breakdown Your Goals

University of Iowa Community Credit Union discusses how securing stellar sales performance starts with developing proper benchmarks and individual accountability

By Brianne Aiken

December 08, 2011


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FEATURE Refinance Potential With HARP 2

Credit unions have the opportunity to refinance between 1 million and 4 million mortgage loans.

By Brianne Aiken

November 29, 2011


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FEATURE The Opportunity In The NCUA Board Appointment

Credit unions should seek to ensure that the appointment process restores confidence in the political process.

By Chip Filson

November 10, 2011


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FEATURE Knowledge and Numbers

An Iowa credit union is using data and the right attitude to generate solid member relationships.

By Thomas Cullen

October 03, 2011


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FEATURE NO

Language is unclear in the law regulating credit unions investing in derivatives. Will NCUA’s new effort to revisit the rule help?

By Callahan & Associates

August 30, 2011


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FEATURE FirstLook 2Q: Lending Improvements

Credit unions reporting second quarter financials are showing loan growth.

By Lydia Cole

August 01, 2011


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FEATURE Practice Makes (Nearly) Perfect

Credit unions with large indirect lending portfolios manage them better than credit unions that dabble in the trade.

By Lydia Cole

August 01, 2011


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FEATURE To Interchange and Beyond

A new alternative payment universe is emerging as financial institutions, merchants, third-party vendors, and consumers jockey for position.

By Aaron Pugh

July 01, 2011


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FEATURE Financial Momentum for Credit Unions & Members in 2011

A FirstLook at credit union first quarter 2011 performance.

By Lydia Cole

May 16, 2011


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FEATURE The Largest 100 Real Estate Loan Originators at Mid-Year 2010

Credit unions vary in their business models and lending concentration. How are the top 100 mortgage originators performing in today’s environment?

By Lydia Cole

September 27, 2010


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FEATURE NCUA Files Response to Judge and then Liquidates Kappa Alpha Psi FCU: Regulation Without Appeal?

Why liquidate the credit union before the court’s expedited legal process had even run its course?

By Chip Filson

July 16, 2010


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FEATURE NCUA Files Response to Judge and then Liquidates Kappa Alpha Psi FCU: Regulation Without Appeal?

Why liquidate the credit union before the court’s expedited legal process had even run its course?

By Chip Filson

July 16, 2010


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FEATURE A Word from the Younger Generation

A walk along the National Mall reminds one Vietnam Veteran of the strengths of the cooperative system, both for today and tomorrow.

By Chip Filson

July 01, 2010


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FEATURE In Memoriam: Dave Serlo

Dave was a cooperative entrepreneur who enabled the credit union system to compete in the 21st century.​

By Chip Filson

June 28, 2010


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FEATURE To Serve Romans, Be a Roman

Just as assimilation was integral to Roman expansion, to build a successful community relations program, credit unions must assimilate the ways of its potential membership.

By Callahan & Associates

April 01, 2010


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FEATURE The Soul of the Credit Union

The soul of credit unions is to lend for the common good; increasingly that is exactly what is needed for the soul of the country.

By Chip Filson

March 01, 2010


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FEATURE Should Credit Unions Turn to Banks to Replace the Corporate Network?

After the new Corporate Credit Union rules, the question is should credit unions turn to banks for help?​

By Chip Filson

January 01, 2010


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FEATURE Managing the Legacy (Not Just the Present) at NCUA

Leaders of all the organizations within the credit union system are stewards of a mutually endowed legacy. That legacy includes financial and physical resources, but it also includes the values and promises to each other that were the basis for accumulating the resources in the first place.

By Chip Filson

October 29, 2009


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FEATURE The Effect of New Merger Accounting Rules on Goodwill

Merger accounting rules that went into effect this year pose new challenges for credit unions considering a merger. Mike Sacher and John Murnane walk you through an example in this 13 minute CUtv Short.​

By Alix Patterson

August 10, 2009


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FEATURE The Effect of New Merger Accounting Rules on Goodwill

Merger accounting rules that went into effect this year pose new challenges for credit unions considering a merger. Mike Sacher and John Murnane walk you through an example in this 13 minute CUtv Short.​

By Alix Patterson

August 07, 2009


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FEATURE The Largest Credit Union Investment Ever: How Will It Be Made?

We are about to make a $6 billion investment in the credit union system. Will it be merely for filling potholes in the corporates or can it be an investment to make a better credit union system for the 21st century?

By Chip Filson

July 01, 2009


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FEATURE Lessons from a Prior Revolution

Nearly 30 years ago, the credit union industry faced a critical transition period and emerged stronger than ever before. What lessons from this era can be applied to the current situation?

By Chip Filson

April 01, 2009


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FEATURE Taking the King's Shilling

Credit unions have and continue to be part of the economic solution.

By Chip Filson

January 01, 2009


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FEATURE By Another Road…

Public policy today is dominated by one concern- how to restore confidence in credit markets in order to restart the economy. Now is the time for credit unions to demonstrate again their economic leadership and show the public and Congress the wonderful congruence of interest between members and their financial organization.

By Chip Filson

January 01, 2009


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FEATURE Serve More Members while Wisely Growing your Auto Portfolio: Insurance and Integrated LOS Automation

With many major banks and lenders pulling out of prime lending, credit unions are now poised for solid growth and have the opportunity to serve even more members.


December 15, 2008


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FEATURE A Prophetic Presence in the Financial World

The $250 billion bailout the Treasury is pumping into banks is supposed to be for unfreezing the industry’s lending ability; however some question whether banks will use that money to serve the public good, as opposed to private self interest. Private self interest has never been an issue for credit unions because the cooperative structure devotes all of its resources to serve members.

By Chip Filson

November 01, 2008


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FEATURE Taking the King's Schilling: Part III

It will be critical in this environment that credit unions have their legislative priorities if they are to stay clear of the new regulatory vortex that will be created in 2009. What should these priorities be?

By Chip Filson

September 29, 2008


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FEATURE Taking the King’s Schilling: Part II

Should the Treasury bailout, or some variation pass, there will be an opportunity to sell distressed securities and possibly delinquent mortgages to the government. But at what price?

By Chip Filson

September 29, 2008


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FEATURE Factors Driving Credit Union DP Decisions

Whether to stay with your current host DP system or to change, has many implications for a credit union’s future. Beyond technology issues, the most important factor is the ongoing relationship with the DP provider. What are the key questions ask when evaluating DP alternatives?

By Chip Filson

July 28, 2008


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FEATURE Front-End Image Capture Products: Only Fools Rush In

Being an early adopter can have its pitfalls. Be sure you’re considering the right issues and asking the right questions when it comes to image capture products.

By Callahan & Associates

June 02, 2008


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FEATURE Factors Driving Credit Union DP Decisions

Credit unions have more data processing options than ever but that doesn't make strategic decisions any easier.

By Chip Filson

July 01, 2007


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FEATURE What is the Member’s Right to Know?

Disclosing executive salaries is not a regulatory issue; rather, it can be a marketplace advantage. Keeping compensation private only suggests that credit unions have something to hide.

By Chip Filson

May 01, 2007


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FEATURE More to Give

Ostensibly, for-profit corporations have no responsibility other than to make money for their stockholders. But the outcomes of such a philosophy are becoming increasingly apparent. Consumers are being exploited and the national and world economies are creating the haves and the have-nots. In this environment, credit unions, with their member-first philosophy have much to give by way both of examp​

By Chip Filson

December 01, 2006


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FEATURE Empowering Members–the Uniqueness of Cooperatives

As lending becomes another commodity service, credit unions are creating value through price and service, and by understanding the unique needs of their members. Through cooperation and innovation in the lending arena credit unions are changing the way business is done.

By Chip Filson

November 01, 2006


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FEATURE Does NCUA's Vision Need Rethinking?

The credit union system has been changing, but the core mission of NCUA has remained the same for decades. Because safety and soundness is less of a problem – indeed a different kind of problem -- than a generation ago, perhaps it is time to rethink NCUA’s focus. Perhaps NCUA should be more intently focusing on the growth and evolution of the cooperative financial option for all Americans.

By Chip Filson

August 01, 2006


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FEATURE Changes in Return of the Member (ROM) Reflect Market Changes

Rather than evaluate credit unions’ on profitability measures, Callahan’s Return of the Member scoring system evaluates how well credit unions serve their members and fulfill their mission statements. Find out what changes we made to ROM in 2006.

By Joe James

June 12, 2006


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FEATURE Putting the Movement Back in Credit Unions

To many people, credit unions appear little different from other financial services companies. But credit unions can set themselves apart now by doing what they did in their early years: acting as “social entrepreneurs.” Just as credit unions once improved lives by extending loans for sewing machines or assembly line tools, they still can help affect change in people’s lives and society. Some are ​

By Chip Filson

May 01, 2006


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FEATURE Why Credit Union Planning is Failing

No or slow growth is a common ailment among credit unions. The solution is not redoubling efforts that have worked in the past but rather a whole new way of thinking.

By Chip Filson

August 01, 2005


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FEATURE Consolidation: Fate or Destiny?

For consolidation to deliver superior member value, credit unions must think beyond the merger paradigm. Creativity in organizational structures may be just as important as innovation in products, marketing or service cultures.

By Chip Filson

July 01, 2005


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FEATURE Conversion Confusion

Two large prospective conversions are testing credit union philosophy. Are members needs put first in conversions to stock-issuing entities? Probably not. But prospective conversions might better instigate options for a credit union merger, which would preserve the cooperative tradition of members’ interest as the exclusive goal of the organization.

By Chip Filson

May 01, 2005


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FEATURE DOES BRANCHING PROMOTE GROWTH?

Some financial institutions swear by extensive branching, but within the credit union industry heavy branching does not always correlate with growth. Nevertheless there are things credit unions can do to leverage their branches, or effect branch-like service without the brick-and-mortar expense.

By Chip Filson

April 01, 2005


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FEATURE Unique Visions-Extraordinary Results

In an environment that has many financial institutions including credit unions struggling, some are doing phenomenally well. Three are a New Jersey bank with extraordinary growth, a credit union that helps churches, and a credit union offering expanded services to the University of Southern California. Among five common traits are enthusiastic leadership, focus on a specific field of membership,​

By Chip Filson

November 01, 2004


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FEATURE Is Credit Union Governance a Strategic Priority?

The Carver Policy Governance model for non-profit boards can bring clarity to a board’s purpose and make peace where board-management friction arose. But limiting a board to ends statements alone can relegate it to a mere purveyor of written expressions of hope. The challenge is the heavy lifting to convert ideals into real differences that members can see and use.

By Chip Filson

October 01, 2004


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FEATURE What Do We Know about Credit Union IT Spending?

Callahan’s surveyed credit unions about their IT spending plans in 2004, discovering that the top two areas for IT spending this year are security and enhancing the member’s Internet experience. The survey validates that IT spending is important and increasing, but what is less clear is how credit unions measure the impact of their dollars and how the spending correlates with their business plans.​

By Chip Filson

July 01, 2004


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FEATURE Over the Target

More than 50 credit unions organized a booth at the National Automobile Dealers Association annual convention in Las Vegas with the motto "America's Credit Unions - 80 Million Reasons Why." It proved a revelation for the credit unions and a shot across the bow to the competition. Credit unions learned again the value of working together and could see that the possibilities for the future were sky ​

By Chip Filson

February 01, 2004


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FEATURE The Challenge of Identity

As credit unions move to community charters and more open FOMs, they are challenged with the need to present themselves less as affiliation entities and more as ones that offer the best value. How they do this will strongly affect their future growth.

By Chip Filson

January 01, 2004


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FEATURE Is There a Productivity Opportunity in Credit Unions?

The national economy is showing impressive productivity gains. This is true even in the service sector, some portions of which – airlines and even baseball teams – are making concerted and radical efforts to improve their productivities. Credit unions lack sophisticated measures of productivity but nevertheless in order to keep up need to work at improving their productivity levels.

By Chip Filson

November 01, 2003


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FEATURE Where did the Internet Go?

The Internet was supposed to revolutionize the financial services industry. It has, but not quite the way its promoters were predicting. Much of its usefulness lies not in availability to customers but in background efficiencies.

By Chip Filson

June 01, 2003


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FEATURE Creating a Culture of Data Awareness

In an environment of squeezed margins, credit unions should more than ever create a climate of data awareness. Data is far more than a report card about past performances. Finding the right data and interpreting them correctly is a foundation for both combating the competition and moving the credit union in the right direction. Data awareness needs to be cultivated at all levels of an organizati​

By Chip Filson

May 01, 2003


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FEATURE Diversification Energizes Strategy

Chip explores non-traditional business ventures for credit unions to pursue.

By Chip Filson

April 01, 2003


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PARTNER PERSPECTIVE Solid Benefits &

Credit unions convert to a bank charter because of pain or opportunity. Capital issues, product limits, and poor consumer awareness create pain. Expanding service to a growing community, filling voids left by banks and credit unions, and maximizing personnel and infrastructure potential provide opportunities.

By CU Financial Services
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November 11, 2002


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FEATURE Members Returning Home

The English poet T.S. Eliot may have said it best: "The end of all our exploring will be to arrive where we started, and to know the place for the first time." Members are bringing funds to credit unions in ever-increasing amounts. For the 10 years from 1992 to 2001, the annual growth of insured credit union savings was 7.07%.

By Chip Filson

August 01, 2002


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FEATURE The Power of Data

Quantitative facts covering almost every aspect of credit union activity are abundant—and becoming even more plentiful. Many users of data are seeking answers. The issues range from the general, "How-am-I-doing?" to the specific, such as "Should-Iraise-my-NSF-fee?"

By Chip Filson

April 01, 2002


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FEATURE Bethpage FCU Credits

Bethpage Federal Credit Union, New York, had the highest IRA balance as a percentage of total shares - almost $198 million- and the highest number of IRA accounts at 11,145 in the top 50 of CUs over $50 million-in-assets as of Sept. 30, 2001, according to Callahan and Associates data. And because tax time means IRA season at credit unions, Bethpage FCU President/CEO Kirk Kordeleski acknowledged th​

By Carol Anne Burger

March 18, 2002


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FEATURE Setting Direction in Irregular Times

The New Year comes with a new plan and budget. Long and short-term goals are central to every plan. Goals cover quantifiable outcomes —growth rates, balance sheet ratios, earnings targets, as well as qualitative indicators such as member satisfaction and wallet share.

By Chip Filson

January 01, 2002


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FEATURE Best Performers At Midyear 2001

Of the top credit unions in asset size, do you know who are the top ten performers in capital to asset ratio, operating expenses to average assets and return on assets? Check out these data spreads to see these best performers at mid-year 2001!

By Callahan & Associates

October 08, 2001


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FEATURE Credit Unions Score With The Return Of The Member

To help credit unions gauge their member service, Callahan & Associates offers the Return of the Member (ROM) Index.

By Chip Filson

August 20, 2001


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FEATURE Planning For The Ordinary...Or The Extraordinary?

How can credit unions align themselves to compete with non-credit union industries for business in key markets like credit cards, auto and real estate lending?

By Chip Filson

August 01, 2001


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FEATURE Return of the Member Scoring

Check out the top 10 leaders in Return of the Member (ROM) for three different peer groups below.

By Callahan & Associates

June 11, 2001


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FEATURE The Fosbury Flop: A Model for Credit Unions? (part 1)

When I was in high school there were two methods of competing in the high jump. One was the western roll where one ran to the bar and jumped over it face down. The second was the scissors kick in which the jumper ran at the bar at a shallow angle from the side and went over, butt side down, with a swift kick of each leg to scissor over the bar. Using these methods the maximum performance for high ​

By Chip Filson

May 07, 2001


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FEATURE Back to the Future

The Internet did not change our lives the way some initially thought it would, but has it made the stand-alone business obsolete? Chip Filson examines the future of member service through networked systems.​

By Chip Filson

April 01, 2001


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FEATURE The Fosbury Flop: A Model for Credit Unions?

When I was in high school there were two methods of competing in the high jump. One was the “western roll” where one ran to the bar and jumped over it face down. The second was the scissors kick in which the jumper ran at the bar at a shallow angle from the side and went over, butt side down, with a swift kick of each leg to scissor over the bar. Using these methods the maximum performance for hig​

By Chip Filson

February 01, 2001


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FEATURE Planning Your Credit Union's Strategy

Credit unions continue to perform well in almost every financial category. Lending increased a robust 13.3% between September 30, 1999 and September 30, 2000, while deposits jumped 7% during the same time period. National credit union membership passed the 77 million point. Safety and soundness measures such as ROA (1.1%), capital to assets (11.5%) and loan delinquency (0.6%) are also strong.

By Callahan & Associates

January 08, 2001


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FEATURE The Requirements of Being #2

Everyone wants to be Number One. No one wants to come in second place — ask Al Gore. Except, that is, credit unions in their business strategy. Almost all managers and boards would describe their goal as being a "fast follower" or "second-to-market." Very few credit union CEOs want to be on the leading edge of the financial services business.

By Chip Filson

January 01, 2001


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FEATURE The Case for Change

As we enter the final lap of this political season, all the national outcomes seem "too close to call." Control by either party of the House and Senate, as well as the Presidency, now seems possible. Trying to stoke up the efforts of supporters, all candidates are making the case for change. Each porposes what he or she will do differently if elected. While not a major issue in any campaign, o​

By Chip Filson

October 01, 2000


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FEATURE You Are Your Data

Credit unions are in the information business. All the "transactions" completed for members essentially involve the movement of digitized information over networks. Whether the service is a credit card purchase overseas or a mortgage loan payment via payroll deduction, the credit union receives and sends data between the member's account and other institutions. But information is more than trans​

By Chip Filson

February 01, 2000


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FEATURE Entering the Monkey Business

How do new ideas get started? How do they get propagated? Why is this a key issue as we enter a new millennium? The change this country, indeed, the world, is going through is the result of new ideas. Some of these are internally generated and some are external realities or drivers of change. These ideas cover all areas of human endeavor - philosophical, scientific and behavioral. Credit unio​

By Chip Filson

December 01, 1999


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FEATURE When Assets Become Liabilities

Credit unions and their members are living in an era of disruptive technology. The pace and scope of change is bringing new ways of meeting personal financial needs. So comprehensive is this Internet-driven revolution that one CEO has likened the era to riding on a tectonic plate. The entire geography of the business and economic world is shifting to a wholly new global configuration. When chan​

By Chip Filson

November 01, 1999


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FEATURE The Need for Capital Options

Since 1990 the total assets of all mutual funds have grown over five fold to a total of $5.0 trillion. Many credit union members use mutual funds as part of their savings or through 401K plans. But few credit unions have been able to develop programs that serve either a significant percentage of these members or their assets. If credit unions aspire to follow their members into non-insured fina​

By Chip Filson

August 01, 1999


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FEATURE Future Vision: Whose Job is It?

No one disputes that the world of financial services is changing. But when pressed to describe how the new world will look, most analysis begins to dry up. Boards and managers meet to set direction in strategy, often sketching a high-level vision of the future. But the one person who might help most with creating a transformation to the future is perhaps the most conservative member of the manage​

By Chip Filson

June 01, 1998


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