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February 2012

Credit Union Magazine

Access the February digital edition

February 2012

Information Systems Guide

What's Popular

Popular Stories

Education Helps CUs Connect With Hispanics

CU Movement Mourns Passing of Warren Morrow

Living With Narrow Net Interest Margins

Collections: Use What You Learn

The Generational Debt Gap

Recent Discussion

QR Codes are adding up on my phone and I'm unsure how to know which code belongs to which company, how can I tell before activating the code? They are very popular and I want to use them more efficiently!

This is a great piece on the overview of the generations. One of the biggest takeaways for credit unions is that "x marks the spot for loans." If you want loan growth make sure you are targeting Generation X. Check your loan promotions, visuals, mediums, tactics, etc. Do those elements connect with a Gen. X audience? Gen Xers lead incredibly busy lives: they are in the prime of their career and juggling family issues. Show how your credit union can help them manage their busy household.

Who'd have thought you could make cents for small business people by looking at the plot of Music Man? Very creative, Lora!

It seems to me that these measurements have some real statistical value that can translate into actionable planning by senior management. However, before adjusting the levels of teller staffing, they have to consider the queuing of customers, a key metric not factored (at least not in the article.) Work opportunity would dictate that tellers who are waiting for members should be able to work at admin, internal training, or other tasks that are less time sensitive. Excess workforce should be adjusted at the less time-critical slots, which ensures a minimum of members standing in the teller queues.

I am Marketing Director for a NC credit union. Would you be willing to share your information on your pay day loans?

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