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Articles Tagged with 'credit'
Bring HR Policies in Line With New Guidance
August 20, 2012
Take five steps to bring your employment practices in line with Equal Employment Opportunity Commission guidance.
Latest Reports Indicate Slower Recovery
August 20, 2012
While the economic recovery likely will remain on track, CUNA’s economists now expect marginally slower economic growth.
PSCU to Host Innovation Hackathon
August 17, 2012
Teams will get 24 hours to produce a viable new concept or working demo.
Far More CUs Than Banks Offer Free Checking
August 15, 2012
Interest-bearing checking accounts at banks often come with staggering minimum balance requirements.
Why CUs Should Think Like Game Designers
August 14, 2012
If misaligned incentives and boring experiences are the enemy of traditional financial services, gamification could be our hero.
The Mobile Wallet
August 11, 2012
But even plastic cards might become passé with the entrance of the mobile wallet.
CU Sees Rise of Asian Americans
August 10, 2012
Asian Americans are the nation’s highest-income, best-educated racial group, research center reports.
Keep Up With Gen Y Trends
August 08, 2012
Gen Y can be a lucrative market in ways previous generations weren’t.
Align Marketing and Compliance
August 02, 2012
Well-intentioned marketers sometimes make mistakes that can have drastic consequences.
A Merger of Equals
August 01, 2012
Mergers of credit unions, especially those of relatively equal size, can be difficult because the partners often struggle with leadership, governance, and cultural issues.
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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