Articles by Patrick Totty

Get a Charge Out of Your Cards

Boost credit card success by controlling expenses, embracing rewards.
Credit card profitability is surprisingly robust for many CUs.
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ALM Helps CUs Tough It Out

Tools keep CUs from sacrificing future margins for higher yields today.
ALM involves constant planning for possible future scenarios.
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Leave No Risk Unchecked

Globalization and electronic fraud heighten risks for CUs.
CUs are in the business of managing risk. Whether dealing with lending, investments, or liquidity, managing risk requires a careful and calculated approach.
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CUs Face Compliance Tidal Wave

Compliance solutions help CUs swim instead of sink.
Compliance requirements will cost U.S. financial institutions $30 billion through 2012.
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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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