Articles Tagged with 'ratio'

Rates & Ratios: CUs Report Uptick in Loans

July 03, 2012
Credit union savings balances grew 0.2% in May compared to a 0.6% decrease in April. READ MORE

Rates & Ratios: Savings Outpace Loans During February

April 16, 2012
Adjustable-rate mortgages lead loan growth at 0.7%, followed by fixed-rate mortgages, which grew 0.4%. READ MORE

Rates & Ratios: Cards Lead Loan Decline

March 05, 2012
CU loans outstanding decreased 0.2% during January 2012 compared to a 0.4% increase in December 2011. READ MORE

Rates & Ratios: Holiday Season Good for CU Credit Cards

February 01, 2012
CU loans outstanding grew roughly 0.4% during December, led by a 2.4% increase in credit card balances, CUNA reports. READ MORE

Rates & Ratios: CU Loans Stagnate During November

January 11, 2012
Total CU savings increased 0.2% in November, compared to a 0.1% decrease in October. READ MORE

Rates & Ratios: CU Loans Continue to Climb

December 10, 2011
CU union loans outstanding increased 0.3% during October 2011, their seventh-consecutive month of positive loan growth, reports CUNA’s economics and statistics department. READ MORE

Rates & Ratios: CUs See Sixth-Straight Month of Loan Growth

November 01, 2011
CU loans outstanding increased 0.04% during September 2011—their sixth-consecutive month of positive loan growth. READ MORE

A Deficiency of Efficiency?

September 12, 2011
Most credit union decision-makers I know are a restless bunch—constantly looking for ways to improve operations and make (and keep) members happy. READ MORE

Rates & Ratios: CU Loans Grow 0.4%

July 15, 2011
Unsecured personal loans led loan growth, followed by credit card loans, adjustable-rate mortgages, used auto loans, and fixed-rate mortgages. READ MORE

Rates & Ratios: CU Loans on the Rise

June 14, 2011
CU loans outstanding increased 0.2% during April compared to a 0.1% decline in March, according to CUNA’s economics and statistics department. READ MORE

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Great article! Unfortunately, most employees don’t feel valued or appreciated by their supervisors or employers. In fact, research has shown that the predominant reason team members quit their jobs is because they don’t feel valued. This is in spite of the fact that employee recognition programs have proliferated in the workplace – over 90% of all organizations in the U.S. has some form of employee recognition activities in place. But most employee recognition programs are viewed with skepticism and cynicism – because they aren’t viewed as being genuine in their communication of appreciation. Getting the “employee of the month” award, receiving a certificate of recognition, or a “Way to go, team!” email just don’t get the job done. How do you communicate authentic appreciation? We have found people have different ways that they want to be shown appreciation, and if you don’t communicate in the language of appreciation important to them, you essentially “miss the mark”. Additionally, employees need to receive recognition more than once a year at their performance review. Otherwise, they view the praise as “going through the motions”. A third component of authentic appreciation is that the communication has to be about them personally – not the department, not their group, but something they did. Finally, they have to believe that you mean what you say. How you treat them has to match the words you use. If you are not sure how your team members want to be shown appreciation, the Motivating By Appreciation Inventory (www.appreciationatwork.com/assess) will identify the language of appreciation and specific actions preferred by each employee. You then can create a group profile for your team, so everyone knows how to encourage one another. Remember, employees want to know that they are valued for what they contribute to the success of the organization. And communicating authentic appreciation in the ways they desire it can make the difference between keeping your quality team members or having a negative work environment that everyone wants to leave. Paul White, Ph.D., is the co-author of The 5 Languages of Appreciation in the Workplace with Dr. Gary Chapman.

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