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Articles by Steve Rodgers

Improve Members’ Online Experience

Studies show about 50% of attempts to open accounts online fail.

May 14, 2012

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Studies show about 50% of attempts to open accounts online fail.
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Is Isis Keeping You Up at Night?

Major players are building a mobile-payments platform.

April 15, 2012

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What could an organization called Isis and events taking place in Barcelona possibly have to do with credit unions?
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Only One Shot at a First Impression

Keep Bank Transfer Day momentum rolling.

March 12, 2012

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First impressions are important. Over the years, astute observers have noted that you never get a second chance to make a first impression, and first impressions are often the most accurate.
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‘Onboarding’ Clock Is Ticking

The first 60 to 90 days are critical for success.

January 13, 2012

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By any measure, Bank Transfer Day must be considered a success.
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‘It’s Not Me, It’s You’

Ending a relationship can be painful, even if it’s with a bank.

December 11, 2011

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The Facebook-fueled Bank Transfer Day convinced thousands of consumers to break off their bank relationships and move on.
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Mobile Security Jitters

A growing number of consumers tag smartphones as 'unsafe' or 'very unsafe.'

November 01, 2011

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Researchers at Javelin Strategy & Research were stumped when despite strong annual increases in smartphone adoption, a recent study showed no corresponding increase in consumer adoption of mobile banking.
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Jump-Starting Auto Loans

Used-car lending at credit unions is hot.

October 20, 2011

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Our cover story this month explains how used-car lending at credit unions is hot, while new-car lending certainly is not. We also look at some innovative strategies credit unions have come up with to pump up flat auto loan portfolios.
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What’s That Roaring Sound?

CUs are riding the wave of increased student loans.

September 12, 2011

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An obscure book of business just a few years ago, student loan debt has roared past credit card debt and will surpass $1 trillion this year.
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Pay Plans Still Sluggish

CUs are exercising post-recession caution with compensation.

August 08, 2011

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CUNA is releasing a number of salary surveys to help you keep up with compensation trends for all CU employees from tellers to CEOs.
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Intent to Confuse

The typical payday loan borrower is indebted for more than half of the year.

July 18, 2011

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I tend to get suspicious when the name of a trade association doesn't accurately describe who it represents.
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CU Mag Cover May 2012

Credit Union Magazine

Access the May digital edition

May 2012

Book reviews

What's Popular

Popular Stories

‘Do One Thing Every Day That Scares You’

‘Reward Excellent Failure, Punish Mediocre Success’

Peters: It’s Good to be the Little Guy

MBL: If Banks Win, CUs Lose

A Bit of Unpleasantness

Recent Discussion

Lora has some excellent tips for us on articles we should read. Thanks Lora!

Definitely, we agree. It’s not only important to adapt to the market, but also to ensure that the organization as a whole has buy-in of this growth strategy. Without full commitment, you could be doing a disservice to your credit union and your Hispanic community.

Good points all, Joni, and thanks for putting it in plain English. DigitalMailer has been consulting a number of clients and affiliates on social media, and the question always arises: "Well, what if someone says something bad about us?" The answer is, they might be already. Not seeing it doesn't mean it can't hurt you. Make sure that, if you're not offering an engaging social media presence, you're at least able to monitor the possible threats.

Chris Brogan is simply awesome and this interview is spot on. Hearing Brogan speak at America's Credit Union Conference is worth the price of admission. Every credit union can learn from his wisdom. Social media is about building a community and credit unions can do that successfully with their members. But they can't do it with everyone: they should also target their social media efforts to particular niches.

Bill, your comments are on the mark. In order to demonstrate that the CU truly understands the risk inherent in lending, the ability to clearly articulate a meaningful discussion of the lending rationale behind lending decisions is critical. All too often, CUs leave it up to the sales force to determine a "marketing" direction for lending activity and the sellers are only too willing to fill the void create by a lack of a clear defined lending culture and credit environment. In large organizations marketing and lending should work hand in hand in defining what sales and lending goals are. The marketing culture needs to be informed of the dynamics of the lending environment and the credit culture must understand the marketing opportunities and threats. In smaller CUs the senior lender in conjunction with the board must, as you indicate, clearly document the what and why of the credit culture.

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