Articles by Patrick Totty

Build a Solid Mortgage Foundation

Tumult in the mortgage market creates opportunities for stable CUs.
Vendors see mortgage opportunities for CUs--ones the big banks and mortgage brokers let slip away.
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Boomers Look for Advisers

Failing to capture baby boomers' retirement assets could deal a big blow to CUs.
Failing to capture baby boomers' retirement assets could deal a big blow to CUs.
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Be a Master of Disaster Planning

Business continuity requires a broader definition of 'disaster.'
The term "business continuity" equates to "disaster avoidance."
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Raise Gift Cards Above the Clutter

Offer something unique that inspires members to buy CU gift cards.
Promote gift cards to SEGs to use as bonuses or spot awards.
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Gift Cards Go Mainstream

CUs cash in on gift cards’ convenience and contemporary designs.
CUs cash in on gift cards by using offerings and insights from CU-oriented vendors.
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ALM Goes to the Front of the Line

Regulators are coming down on CUs that don't do thorough ALM.
For most credit unions, asset/liability management (ALM) has been a “get in line” topic: Get in line behind security, marketing, loan origination and tracking, member relationships, and a host of other pressing matters.
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Credit Cards: Keep a Lid on Losses

Pay attention to your products, the market, and regulations to maintain high credit quality.
Pay attention to your products, the market, and regulations to maintain high credit quality.
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Protective Patterns

New innovations in biometrics manage access control and staff attendance.
Even with advanced technologies such as retinal scans, fingerprints remain the staple biometric identity authentication.
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Comply or Die

Don't skimp on compliance, especially as it relates to security.
Think you can put off data security compliance to stretch a limited operating budget? Think again.
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Stay in Front of Members

Database marketing, branding raise CUs above the marketing clutter.
Consciously or not, credit unions amass immense amounts of data about their members. Analyzed properly, those data can be the basis of intensely focused, highly productive marketing approaches that recognize demographic differences among members.
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