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Articles Tagged with 'unions'
Market the Debit Difference
July 16, 2013
Improved data analytics and segmentation tools give credit unions the ability to identify and target member segments with relevant offers.
Indirect Lending: Yea or Nay?
July 02, 2013
Do CUs do a disservice to members via indirect lending?
Morrow Honored as 2013 CU Hero of the Year
July 01, 2013
Morrow lauded as a ‘mission-driven advocate for consumers and CUs.'
Emerging Financial Markets Are Opportunities for CUs
July 01, 2013
ACUC workshop explores tools and partnerships to serve underserved/underbanked markets.
Tackle Benefit Costs From a Different Angle
June 09, 2013
Use investment returns to prefund employee benefits.
Delivering Substance on Regulatory Relief
June 06, 2013
When it comes to regulatory relief, CUs deliver substance with the rhetoric.
Tell, Don't Sell
May 27, 2013
'Fees' not necessarily a four-letter word when linked with member-friendly services.
The Message Is Simple: ‘Don’t Tax My CU’
May 23, 2013
CUs must engage their 96 million members in fight to support CU tax status.
CUNA, Leagues Mobilizing 96 Million Members to Preserve CU Tax Status
May 19, 2013
‘Policy is being formulated on Capitol Hill now, so we must act now.’
Gladwell: CUs are David to Banks’ Goliath
May 17, 2013
‘True innovation comes from the marginal people who push innovations into the center.’
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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