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Articles Tagged with 'risk'
Use Compliance to Navigate Risk
May 30, 2014
View regulatory compliance as an opportunity, not a burden, compliance expert advises.
Agency Offers Guidance on Social Media Compliance
March 24, 2014
FFIEC highlights potential legal, reputational, and operational risks.
Boards Take the Lead with ERM
March 21, 2014
What's the board's role in risk management?
March 01, 2014
Risk is the four-letter word first and foremost in every regulator’s mind.
Fear Your Members
February 05, 2014
Assess the risk of litigation in your business decisions and compliance efforts.
In Pursuit of Life, Liberty—And Balance
February 01, 2014
Risk is definitely a part of life.
Reduce the ‘Silo Effect’ Risk
January 14, 2014
ERM is a “comprehensive risk-optimization process that integrates risk management across an organization.”
Adopt the Proper Risk Management Approach
January 10, 2014
Consider the benefits of ERM, which assesses both potential payoffs and risks.
Matz: NCUA Resources to Go Where Risks Are
October 31, 2013
Video interview with the NCUA chairman addresses stress testing, corporate assessments, and more.
Involve the Board in Technology Planning
October 18, 2013
Is your CU making the most of technology?
Credit Union Magazine
July 2014 digital edition
Slide Show: The Daily Duties of a Home-Based CU Manager
Regulators Focus on Interest-Rate Risk
Where Does it All Go?
A Social Media ROI Success Story
Happy 25th Birthday, Filene!
David, good point about the "recovering comfortably" comment. That was an editorial addition--which I'll remove.
Many good points but too rosy? Will the "Federal Reserve raise short-term interest rates 1% per year for the next three years, starting in 2015—“probably next year at this time” ? I have heard from other economist that the US government will go bankrupt if that happens due to the QE the fed has done for several years. Also it seems an exaggeration to say “We survived a heart attack,now the economy is recovering comfortably." Comfortably recovering is too ignore the economic stress that many members still live with daily that will eventually affect many credit unions.
Karan, Great article and insight. I would also recommend that you start getting those credit cards into the hands of the youth BEFORE they are in college. One of the best ways to reach this young generation is through mom and dad. Before the student goes to college, get them started with a credit card (even if mom and dad are joint on it). It's never too early to start marketing credit cards. Mark
I would respectfully disagree that transactional data is a good place to start. In my opinion, relationship data is a much better starting point. Transactional data tends to require more "mining" of thousands/millions of transactions to identify opportunities or threats. Relationship data, however, involves identifying and profiling your high-value relationships (those profitable relationships with multiple products/services, for example) and leveraging that information to attract/cross-sell similar members. Generally involves a bit less effort and quite a bit higher return.
Congratulations on a fine article. Perhaps the best advise is unsaid but exemplified throughout the article - namely avoiding the use of the term "Financial Literacy." The term is insulting and counterproductive because it implies that those who take the training are "Illiterate."
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