Articles by James Collins

Technology for What Purpose?

Make sure technology benefits your members, not just your operations.
James Collins
No Comments
When a CU considers automation it should ask how it will help the average person.
Read More

The Strategy of Hope

 You might be surprised by the power of a tiny loan.
James Collins
No Comments
We've all been there: A member applies for a small loan. “Start-up money,” she says, “for a new business venture. Not much, I only need a few thousand.”
Read More

Will EMV Chips Reduce Card Fraud?

Major credit card firms are trying to transition to a more secure card.
James Collins
No Comments
Major credit card firms are trying to transition to a more secure card.
Read More

Project Management 101

If you think you can ‘do it yourself,’ think again.
James Collins
One Comment
For years, I was an executive at a sign manufacturing company. We specialized in massive projects—from a million-dollar scoreboard at a pro football stadium to a multistate bank branding change involving hundreds of locations.
Read More
Branching Out

Top 10 ‘Additional Triggers’

Red flags examiners should watch for as signs that a CU is failing.
James Collins
No Comments
The recent GAO report regarding NCUA and failed CUs was an eye-opener.
Read More
Branching Out

Artificial Intelligence Is Better Than None

Not even Apple’s ‘Siri’ can put a positive spin on the outlook for 2012.
James Collins
No Comments
Economists predict housing sales will be flat, small-business optimism will remain low, and jobs will be scarcer than a rotary phone.
Read More
Branching Out

The First Hurdle: Learn the Lingo

If you don’t manage your CU’s risks, they’ll manage you.
James Collins
No Comments
One of the most difficult aspects of the risk management process is learning the lingo.
Read More

On Pirates And Profitability

The secret to member profitability is unproven, unstatistical, and inherently anecdotal.
James Collins
No Comments
A salesperson's recent pitch for mobile banking reminded me of the way retailers used to sell bell-bottom jeans.
Read More

Lessons Learned  In Auto Lending

With auto sales stagnant, loan competition is fierce.
James Collins
No Comments
My CU's auto loan portfolio recently plummeted. It was no surprise, because lately the local auto dealership has been as empty as a politician’s promises.
Read More

I’m Not an FTE

There’s often a deeper meaning behind job applicants’ responses.
James Collins
No Comments
Lately I've been interviewing job candidates and the air has been full of buzzwords.
Read More

What's Popular

Popular Stories

Recent Discussion

Your Say: Does Your CU Offer Subprime Loans?

View Results Poll Archive