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When it comes to building the auto portfolio, BHCU and Seasons FCU take different directions but arrive at the same destination.
As they prepare for new developments, credit unions are keeping branches open for longer hours and leaning on hybrid work-from-home models to keep the back office going.
As a business owner herself, Ivory Lloyd knows how important it is to connect local businesspeople with resources to weather this storm or create new streams of income.
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Former examiners who now serve in the credit union C-suite talk about why they switched careers and what they have to offer the cooperative movement.
Diane Sandoval-Griego coordinates diverse efforts to improve financial wellbeing for a multicultural membership.
Leaders from cooperatives rural and urban talk about how they are handling staffing strategy during the pandemic.
Credit unions share insights about programs and strategies aimed at helping marginalized members and communities.
HR leaders at cooperatives big and small share how they welcome new hires, from breaking bread to explaining the credit union difference.
Join Callahan & Associates and Chad Miller, CEO of Southwest Louisiana Credit Union, for a discussion about how the credit union is removing barriers and helping would-be job seekers attain the technical degrees needed for higher-paying jobs.
Five lending leaders offer new insights about old values as they put new strategies into place to protect their cooperative and members.
Credit union chief executives share key takeaways from 2020 and talk about how they’ll turn challenge into opportunity in the year ahead.
Credit union chief executives share takeaways from 2020 and talk about how they’ll turn challenge into opportunity in the year ahead.
Subtle shifts in market share highlight the specialization of the core provider marketplace – there is a core provider tailored to any type of credit union business model.
When the novel coronavirus forced the lobby closure of Discovery FCU’s lone branch, the Pennsylvania credit union fought back with the rapid deployment of an appointment scheduling and lobby management system.
Credit union leaders talk about the day-to-day operation of their systems; the past, present, and future benefits of appointment scheduling; and more.
A Louisiana credit union brings technical education within reach by removing two major barriers to attaining it.
The ANATOMY series is a quarterly, multi-feature profile that explores the strategies and analyzes the performance of an exemplary credit union.
A new normal in the age of COVID is taking shape. Now, five credit union leaders share what the pandemic has taught them and what they’re doing with that knowledge.
Chad Miller, CEO, Southwest Louisiana Credit Union, discusses his credit union's work to serve the low-income, high-risk populations left behind by mainstream financial services.
Leaders at cooperatives across the country share how core principles are driving strategic thinking in their shops.
Five credit unions shares insights from their Paycheck Protection Program efforts.
Leaders today must consider what “concern for community” means for fairness in hiring, upward mobility, and inclusiveness in the workplace.
Which credit unions led their states in the number of Paycheck Protection Program loans funded?
Four credit unions share insights from their text messaging initiatives.
Callahan spotlights credit unions of all sizes that return the most value to members.
A new story each day this week as five credit unions share how they handled sudden change and soaring needs by adapting people, processes, and products.
Credit unions are optimizing work environments, integrating key systems, ensuring business continuity and cybersecurity, and adapting culture to new ways of working.
Carolina Foothills FCU is working with the City of Spartanburg to coach startups and fill a critical funding gap. That’s important because small-business support is now more important than ever.
A first mobile deposit begins a shift for many a member across the country as digital replaces physical in a pandemic’s wake.
The CEO of Border FCU, who began her career in accounting, explains how serving the underserved hews more closely to social work than anything else.
Five popular pieces cover a range of HR challenges, from bringing talent through the door to helping them work outside of it.
To better differentiate itself from its original sponsor, Weber State FCU undertook a three-year journey to embrace a new name, a new logo, and an elevated future.
The credit union leaders discuss opportunities and challenges and what they resolve to see happen in 2020.
Cooperatives are the last refuges for holiday loans and Christmas club accounts, but members can find skip-a-payment, credit card rewards deals, and post-holiday debt consolidation programs there, too.
Seven credit union leaders share best — and next — practices for crafting the perfect request for proposal.
Interest in secondary capital is growing, and new strategies, larger loans, and precedent-setting decisions by the NCUA could dramatically change the way credit unions deploy it.
The CEO of Everence FCU shares why the cooperative’s mission is more relevant to a broader group of consumers than ever before.
Credit unions making the move to Microsoft’s newest operating system share how they’re doing it and what they’re gaining.
Six credit unions from California to Connecticut and locations in between share their placement strategies for branching success.
The DC-area credit union has changed its name, its charter, and more as it works from a regularly updated strategic plan.
Twenty-five years in, the Treasury Department program’s roster is dominated by member-owned cooperative financial institutions, who find a precise mission fit.
Fiserv and Symitar continue to dominate, but a plethora of possibilities present choices to credit unions when it comes time to convert or commit.
Learn more about the key steps any organization can take to identify where it is now, build an action plan, and maintain its True North.
The regulator’s war on concentration risk belies the reality that all credit unions have niches and concentrations, and it's an excuse not to creatively seek workouts in the cooperative spirit.
In a tight labor market, credit unions find creative ways to attract talent.
Eight of the most popular deposit-focused articles run on CreditUnions.com in 2018.
Nine of the most popular HR articles and blogs run on CreditUnions.com in 2018.
Debt management mixes with the financial cooperative ethos in a year-round campaign for financial health.
In a changing economic environment, this guiding framework helps institutions determine where they want to go and how to get there.
A leader of St. Louis Community Credit Union shares how the cooperative works every day to be “the social conscience of banking.”
Takeaways from a survey on how 284 credit unions are interacting with the changing lending strategies arising from automated-decisioning practices.
The New Mexico credit union’s year-round financial wellness and literacy efforts take on even more meaning this time of year.
The Northwest credit union combines printed materials with a branded tchotchke or two to educate new hires.
The CEO of Canyon State Credit Union shares valuable lessons learned through rebuilding troubled organizations.
Tech-savvy credit union executives and seasoned consultants share strategy and payments plays that deserve a second look.
See how money in the movement has shifted in the past 10 years in this interactive graphic from Callahan & Associates.
Innovations FCU responds to 100% of online reviews within one minute on average. Sometimes that’s a ‘like.’ Other times, it’s a reply from the CEO.
Everence FCU lives out the principle of stewardship through loan, investment, and deposit products.
Counseling and lending go hand-in-hand in Border FCU’s financial empowerment program.
Three credit unions share how one-to-one lending has helped them build business and increase engagement with members.
This Callahan Collection examines how credit unions approach headquarter building and design.
How a small San Diego credit union uncovered a novel way to catch the attention of non-members.
KCT Credit Union shows how arbitrage through the Federal Home Loan Bank adds income where there was none.
InFirst FCU’s rewards card takes a move from Costco’s playbook and offers a rich deal.
Branch design. Added security. Multiple touch points. Financial Horizons and Lake Trust share tricks to navigate on-demand card programs.
The CFO for One Credit Union in Vermont talks early lessons, inspiration, and hopes for the future.
Interest on loans drive the income train, but other revenue streams are steaming along.
These cooperatives serve the financial and the spiritual needs of members.
How Cy-Fair Federal Credit Union’s 10-year naming rights to a high school stadium has paid off after one year.
Financial cooperatives share diverse ways to work together as CUNA’s annual summer conference begins with the Small Credit Union Roundtable.
A monthly collection of Callahan content that, together, addresses a single topic from a variety of perspectives.
A Cleveland credit union is one of only seven of its size in the country that makes auto leases, and it does a lot of them.
How financial services cooperatives are leveraging CDFI, NCUA, and NCUF grants to underwrite their expanding reach and impact.
When Keys FCU put itself into voluntary conservatorship in 2009, its leaders and staff knew rebuilding together was the only way to save the credit union.
An Urban Institute presentation offers plenty for credit unions to move on.
A new approach to the credit union basics of people and finance helped this West Virginia cooperative turn six-figure losses into seven-figure gains.
The Juntos Avanzamos certification program assures Latinos that a credit union speaks their language.
Callahan & Associates and Alexa Bennett, marketing manager for Northern FCU, discuss how the credit union turned ACH data into lending gold.
NCUA leader says expansion of acceptable bonds and other criteria for new membership markets is regulatory relief that doesn’t run counter to the Drumpf administration’s ban on new rules. Bankers have sued.
One Maryland credit union arms decision-makers with comprehensive data and encourages leaders to think beyond the face value of third-party reports.
Public Service Credit Union shares lesson gleaned from completing two mergers and one assumption in four months.
Faced with a tight budget and generous opportunity, Northern FCU looked to work smarter, not harder.
How back-to-basics lending, a brick-and-mortar presence, and a forward-thinking approach to business underpin growth for a suburban Detroit credit union.
Callahan & Associates surveyed 333 credit unions to learn about automated decisioning practices in the consumer lending portfolio. Read about the results in this interactive article.
Callahan & Associates surveyed 333 credit unions to learn about automated decisioning practices in the consumer lending portfolio. What did it find?
In honor of International Credit Union Day, Callahan spotlights credit unions of all sizes that return the most value to members.
White-labeled app offers combine local and national coupons, drawing business right out of the gate at Frankenmuth and MidUSA credit unions.
Capitol Credit Union revamped policies, processes, and procedures to counter negative loan and member growth and once again achieve stable financial footing.
Day two at ACUC sees focus on polling, projects, the regulatory burden, and how to compete.
Chicago-area KCT Credit Union deepens relationships and cross-sells member-friendly products and services via regular debt checkups.
Credit union ledgers show no froth amid larger financial industry reports about a growing subprime auto loan bubble.
Why a Chicago-area credit union ditches digital channels for much of its onboarding and a larger neighbor relies on remote channels to serve far-flung SEG sites.
BCU uses spreadsheet ciphering to identify potential new employee group partners while KCT relies on shoe leather.
CAHP Credit Union underpins loan growth by building rapport with peace officers across the Golden State.
There is no one-size-fits-all approach when it comes to ensuring the safety of a credit union. That’s why leaders must understand the ins and outs of different strategies before selecting the best fit.
NACUSO conference points up innovative opportunities, regulatory challenges for collaborative entrepreneurship in the credit union model.
Which credit unions lead the industry in mortgage production growth? Find out in this Callahan & Associates leader table.
Which financial cooperatives are maximizing non-interest income without raising service fees for members? Find out in this Callahan leader table.
What credit unions top the charts for employee payout? Find out in this Callahan & Associates leader table.
At which credit unions did employees post the highest gains in fourth quarter 2015? Find out in this leader table.
The credit union branch network continues to grow, with different strategies across the map.
Credit unions distributed more than $5 billion in member dividends in 2015. Which cooperatives lead the industry?
First Financial revamps its tell-a-friend program to Keep It Simple (and Successful).
A California credit union buys loans to ease excess liquidity while a Colorado crew sells first mortgages to firefighters.
Emotional appeal and product delivery shows behavioral economics at work at this West Virginia credit union.
How a CEO change gave St. Cloud Federal Credit Union license to make a meaningful change.
Increased flexibility and leaner operations are just two reasons Birmingham’s Mutual Savings left its service bureau, but the move is not for everyone.
Learn how four credit unions are making a major impact on their communities, from small everyday acts throughout the year to large-scale volunteer events.
Careful underwriting, default insurance, and other best practices are helping credit unions beat national loan default rates and introduce bundled products that create lifetime relationships with college grads.
Product meets marketing meets members in this small-town credit union that delivers high-tech solutions.
Credit unions on both coasts share how they ramped up new insurance and investment services.
The Michigan credit union posted 35% annual loan growth in first quarter 2015.
Industrial Credit Union of Whatcom County shares an important lesson about how to generate excitement within a community.
Industrial Credit Union of Whatcom County's senior vice president discusses how it's annual food drive has grown over the past 20 years.
Callahan & Associates analyzes year-over-year loan origination data as a part of Trendwatch 1Q 2015.
The Florida credit union reported a 97% increase in first mortgage originations in the first quarter of 2015.
Credit union merger veterans share their experience and best practices for merging core processing systems and people.
One Montana credit union relies on transparency and open communication to assimilate new employees gained through a merger.
Preparation, communication, and simple hospitality can go a long way toward making the grade with the regulator.
Community institutions are leading the big banks in rolling out apps for Apple and Android wrist gear.
Callahan & Associates celebrates five years of adventure with the Anatomy Of A Credit Union series.
How Preferred Credit Union used a one-two punch of high-tech segmenting and low-tech mailing to double its debit ROI.
The $6 billion credit union’s turnkey loan participation model helps two small credit unions get back in the cards game.
First mortgage loans outstanding and originations accelerated during the fourth quarter at the Florida credit union.
These two mid-sized credit unions hold their own in terms of employee productivity and efficiency, even when compared to larger peers.
Three tips from Lake State on how to enter a new market.
Two credit unions share the benefits and drawbacks of mix-and-match and single-vendor strategies.
Honor Credit Union formed an independent executive team to build on the knowledge of merged staff members and succeed in a new market.
When ISUCU merged with a smaller credit union and adopted its core, it learned lasting lessons about data, internal champions, and anticipating member reaction.
Credit unions that want to attract younger members cannot afford to ignore the needs of unmarried adults.
This northern Minnesota financial co-op boosted its consumer lending almost four times higher in the first nine months of 2014.
Four lessons about how to launch and market mobile apps to the next generation.
Lessons from five credit unions on the benefits of grocery co-op partnerships.
Incubators and other like-minded organizations help credit unions connect with entrepreneurs and new business.
While Senate panel hears from trades, former NAFCU VP says CFPB might be able to do what Congress won’t.
A nonprofit affiliate allows Santa Cruz Community to advance where larger institutions fall short.
More auto loans and higher credit card balances are the primary source of growth in the industry’s loan portfolio.
Four ways that cooperatives can attract first-time homebuyers and ramp up their purchase mortgage activity.
Solidarity Community Federal’s program combines financial ed with financial aid for first-time homebuyers.
After partnering with the Federal Home Loan Bank of Boston, Grafton Suburban discovered that first mortgage applicants who qualified for grants were hard to find.
Greg Wineland talks about growing the commercial lending program at Hope.
Pearl Wicks talks about the services provided by the Hope Enterprise Corporation after the destruction of Hurricane Katrina.
Richard Campbell talks about the goals of the credit union and the realities of serving a poor, underbanked population.
Alan Branson talks about Hope's branch footprint and breaks down its departments and employees.
Ed Sivak talks about his role identifying policy issues of importance to the credit union.
Scot Slay talks about the growth of Hope Credit Union and the unique market it serves.
Shirley Bowen talks about the changes she's seen in Hope's mortgage lending prgram.
Take an in-depth look at Hope Credit Union's success with low-income communities.
First Capital Federal’s rewards program increases loyalty, deepens relationships, and gives back to members who bank with the credit union.
One NCUA examiner-turned-CEO offers advice and insight for credit unions looking to tackle regulator concerns head on.
The DC-based credit union uses an interactive guide to help members protect themselves against I.D. theft and fraud.
Credit unions are using resources such as GPS tracking devices and starter-interrupt systems to help members with low credit scores and questionable histories purchase cars.
These two credit unions prove employees and members can talk the talk as well as walk the walk.
Hope Federal Credit Union moves into unbanked markets to provide products and services to communities in need.
Pathways demonstrates how mergers can be an asset for small and midsized credit unions.
St. Louis Community Credit Union collaborates with an area bank to create community-focused programs that benefit the city.
By anticipating the growing needs of an immigrant population, Latino Community Credit Union builds lasting relationships with members.
Credit unions drive home the message that their members are appreciated by timing dividend payouts with a holiday.
St. Helens Community hopes to simplify, stabilize, and strengthen its core competencies and relationships in the coming year.
CEOs of big and small credit unions share their secrets for generating income with less cost.
2013 Beige Book Responses
Learn how to develop a win-win relationship with local colleges to attract and nurture young talent while broadening your own cultural make-up. Find out how this program and others like it can help promote the credit union industry among students and reap big benefits for your organization.
Job fairs, management training programs, and loan relief benefit local employment rates.
Credit unions still have plenty of time to play an active role in this year’s political cycle.
How three separate, well-performing Ohio credit unions identified an opportunity to grow collectively, while keeping their local identities intact.
Latino Community helps young immigrants cover the cost of deferred action applications and generates loan activity in underserved markets.
Dominion Credit Union believes contactless payments will be a necessity for future members, but it is taking innovation one step at a time.
Money One Federal Credit Union is among 200 credit unions nationwide pooling their marketing dollars for gas giveaways.
Some credit unions that catered to U.S. Postal Service employees are reaching out to the broader community.
Credit unions “destroy the box” and see big gains by connecting with third parties for catchy marketing campaigns.
Credit unions are integrating branches into schools as a way to connect with the community.
Credit unions are stepping in to provide financial services in areas where none exist.
A network of credit unions sharing operations can better help a member through a disaster.
Library of Congress FCU’s mad promotion helps it book nearly $2 million in auto loans.
Reach out to other credit unions in times of distress. They’ll respond to your call for help.
Credit unions that take on the risk of direct auto lending can work closely with members to establish safe, long-lasting relationship, says Grafton Suburban Credit Union’s CEO.
A Connecticut credit union demonstrates how sometimes the most effective networks are the ones you build yourself.
Offer many ways for your members to securely communicate their problems to you following a natural disaster.
Plan to ensure your employees are well cared for during a disaster so that they can take care of your members.
Louisiana’s Greater New Orleans FCU and Neighbors FCU think through their crisis plans carefully.
West-AirComm Federal Credit Union executives explain how their annual $2,500 holiday loan has been a win-win situation.
Surviving in a new economy requires successfully managing risk and satisfying new regulatory requirements.
Marnie Perfetti, Mid-Minnesota Federal Credit Union shares the credit union's food drive and community outreach.
Mid-Minnesota Federal Credit Union, is promoting the cooperative difference on International Credit Union Day.
Sooper Credit Union creates an intimate member rapport through personalized URLs.
Island cooperatives are shoring up members and assets amid merger activity.
Credit unions could use a dividend payment from the over-reserved share insurance fund to improve their balance sheets, make more loans, and help members in need.
To drive membership, positive word-of-mouth is what you need. Here’s how to get it.
Green Bay's PCMCU uses generous member rebates to turn its hefty capital ratiointo a member benefit.
A state-of-the-art retail branch is the first step in achieving higher performance in deposit levels, loan production, sales, and referrals.
Credit cards foster loyalty and build a strong loan portfolio. Here are the 4Q10 leaders in credit card penetration.
Near-record ROA. Loan growth. Addition of services. What the industry can learn from a Midwestern credit union.
Five credit programs that unite members around a common bond.
A strong membership frees up resources to build a stronger credit union.
Many organizations view employee training and development as optional, not essential, but CEO Linda Allen of Arsenal Credit Union, explains why its commitment to staff education is valuable in today's economy.
How Dow Louisiana used a remote teller system to increase safety and productivity.
A marketing campaign focused on new low rates and balance transfer opportunities resonates with consumers looking to switch their primary credit card relationship in the wake of the CARD Act.
Beyond standard debit and credit rewards, Envision Credit Union has seen success by allowing members to aggregate rewards points throughout their household.
No longer just a tool for accessing cash at an ATM, the debit card, especially for younger members, is one of the most frequently used connections a member has with their credit union.
Louisiana Federal Credit Union has made their online mortgage applications the cornerstone of the mortgage ledning strategy, yielding solid growth in a turbulent market.
Television advertising isn’t cheap, and many credit unions may be rightly skeptical of the earning potential and their ability to measure the return on such a broad marketing investment.
New enrollment technology allows NARFE Premier to more effectively recruit new members from a geographically diverse pool of potential members.