Operations

Big Champion for Small CUs

December 01, 2007
If you're not on Lynda Milton's calendar for the day and want to meet with her, good luck. READ MORE

CU Hero: Big Champion for Small CUs

December 01, 2007
CU Hero: Big Champion for Small CUs December 1, 2007 If you're not on Lynda Milton's calendar for the day and want to meet with her, good luck. The CEO of the $5.4 million asset Houston Teamsters Federal Credit Union rarely has a minute to spare. Milton has worked 41... READ MORE

Nine Morals for Member-Centric Branding

November 01, 2007
Nine Morals for Member-Centric Branding November 1, 2007 "Creating beliefs in the hearts and minds of your customers about you, your company, your values—your brand—is the core element of success. That means keeping the promises you make … and even the ones you imply," says author Scott Deming. Deming uses... READ MORE

Mortgage-Backed Securities: To Sell or not to Sell?

November 01, 2007
Mortgage-Backed Securities: To Sell or not to Sell? November 1, 2007 By Emily Moré Hollis Countrywide Financial Corp., Calabasas, Calif., in August, announced liquidity problems due to its inability to sell securities collateralized by mortgage loans. This prompted investor questions about the risk of principal losses on Countrywide securities backed... READ MORE

Capital: How Much is Enough?

November 01, 2007
Capital: How Much is Enough? November 1, 2007 By R. Jeffery Harris How much capital do credit unions need? Some might volunteer a specific number such as 6% because of experience with fairly recent Prompt Corrective Action requirements. Others might pick a higher number such as 11% because that appears... READ MORE

Embrace Member-Driven Design

November 01, 2007
Embrace Member-Driven Design November 1, 2007 To remain competitive, organizations must strive for better, faster, and less expensive ways to bring new products and services to market. Likewise, credit unions must bring products and services to market in a more member-focused, expedient, and economical fashion. In the broadest sense, architecture... READ MORE

Seven Steps to Better Business Planning

November 01, 2007
Seven Steps to Better Business Planning November 1, 2007 By Richard L. Sandenaw In your annual strategic planning sessions, is your approach focused for success? For example, what if changing business priorities and operational challenges prevent management from focusing on its board-approved plans? What are the odds that unforeseen problems... READ MORE

Twelve Steps to Staff Loyalty

October 01, 2007
You don't have to pay employees huge salaries to earn their loyalty. But because staff can make or break your credit union, you must find a way to keep the best ones around. READ MORE

Don't Be a 'Zombie Brander'

October 01, 2007
Don't Be a 'Zombie Brander' October 1, 2007 By Susan Solomon Recently, a marketing student complained that her marketing materials didn't look alike. "The designs aren't similar enough. We don't look like a real brand," she said. Oh really? Is a "real brand" about conformity? Consider what your members encounter... READ MORE

Leave No Member Behind

October 01, 2007
A WOCCU initiative helps CUs reach the world’s poorest. By Bill Merrick Sebazungo Bonaventure scoots nimbly on his hands across Kigali, Rwanda’s rocky side streets. A birth defect keeps him from walking, but not from running a shoe repair business where a typical day’s work yields 500 Rwandan francs—about 91... READ MORE

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