Lending

Growing Card Use Bodes Well for CUs

July 18, 2013
CUs’ credit card loans outstanding grew 5.7% during 2012, up from 3.9% in 2011 and 3.1% in 2010. READ MORE

Brace Yourself: CFPB's Lending-Related Changes in Full Swing

July 07, 2013
The CFPB has fundamentally changed credit unions' daily operations, CUNA Mutual Group's Lauren Capatini says. READ MORE

Credit Cards Rising

June 27, 2013
If you haven’t taken a long, hard look at your credit card portfolio lately, now’s the time. READ MORE

CDFI Fund Makes a Difference for Communities

June 18, 2013
Fifteen CUs received $13.7 million in financial assistance and $678,000 in technical assistance from the fund in 2012. READ MORE

Don’t Overlook the Higher-Priced Mortgage Rule

June 17, 2013
There’s no better time than now to comply with and implement these changes. READ MORE

Prepare for the ‘Tidal Shift’ Shaping Financial Services

June 13, 2013
Mobile services, hybrid cards help lenders serve underbanked consumers. READ MORE

Special Report: Eighth Annual Underbanked Financial Services Forum

June 10, 2013
‘Our focus is on the consumer’s need to borrow, spend, save, and plan better.’ READ MORE

The Return of the Borrower

June 07, 2013
Expect CU loan balances grow 5% to 6% in 2013—and even faster in 2014. READ MORE

Members ‘Like’ Calcubot

June 01, 2013
The tool gives CUs a branded social media billboard that culls daily loan rates.  READ MORE

CFPB Issues Guide on Truth in Lending

June 01, 2013
The CFPB in April released a “plain language” guide on the agency’s Ability-to-Repay (ATR) and Qualified Mortgage (QM) rule under Regulation Z (Truth in Lending). 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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