Articles by Bill Merrick

CUNA Economist: Expect a Modest Lending Comeback

Credit quality should improve, too, although measures will remain above historical averages.
January 19, 2012
Pent-up consumer demand bodes well for growth in auto loans, credit cards, and purchase money mortgages.
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Mobile Lending Sparks Youth Movement

The average age of the Smartphone Loan user is 29.
January 17, 2012
CUs that want to attract younger members must pay attention to the technology those members prefer. Increasingly, that’s the mobile channel.
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Social Media Enhances Collections

But consider social networking sites a ‘view-only’ resource.
January 12, 2012
As technology has bypassed collection regulations, questions remain about how to use new tools appropriately.
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BAI Retail Delivery

It’s Time to Deconstruct the Branch

The traditional branch model has outlived its usefulness.
October 11, 2011
Today’s banking experience is less about place and more about touch points. Deconstructing the branch allows financial institutions to match these touch points to customers’ needs.
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Reaching Out

CUs take to ferries and float planes to serve indigenous communities.
September 23, 2011
Serving indigenous people from Alaska’s Inside Passage to Australia's Aboriginal lands helps CUs create a stronger financial cooperative.
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FinovateFall

Mobile Apps, Rewards Top Finovate Agenda

Innovations aim to improve the consumer experience.
September 22, 2011
New mobile applications and fresh spins on consumer and merchant rewards programs dominated much of the discussion during FinovateFall in New York City.
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Financial Innovations Abound

FinovateFall displays the industry’s best and brightest solutions.
September 21, 2011
Conference highlights the best in payment, financial, investing, and banking technology.
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Sept. 11: Then and Now

League, CUs Helped Keep City’s Lifeline Open

NY association's command center helped CUs, members start to heal.
September 12, 2011
One memory that has stuck with Bill Mellin for the past 10 years: Seeing the many abandoned, soot-covered cars near Ground Zero after the Sept. 11 attacks.
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Sept. 11: Then and Now

A Scene Both Chaotic and Eerie

'There was no traffic on the street at all. All you could hear were sirens and helicopters.'
September 12, 2011
A training session brought Kim Ploof to Municipal Credit Union, located across the street from the World Trade Center, on Sept. 11, 2001.
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Sept. 11: Then and Now

A Bittersweet Anniversary

CU executive recollects close call on Sept. 11, the date of her wedding anniversary.
September 11, 2011
"I never thought there was such evil in the world," recalls Sharon Brimmer, who worked at a CU branch in the World Trade Center’s North Tower.
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Great article! Unfortunately, most employees don’t feel valued or appreciated by their supervisors or employers. In fact, research has shown that the predominant reason team members quit their jobs is because they don’t feel valued. This is in spite of the fact that employee recognition programs have proliferated in the workplace – over 90% of all organizations in the U.S. has some form of employee recognition activities in place. But most employee recognition programs are viewed with skepticism and cynicism – because they aren’t viewed as being genuine in their communication of appreciation. Getting the “employee of the month” award, receiving a certificate of recognition, or a “Way to go, team!” email just don’t get the job done. How do you communicate authentic appreciation? We have found people have different ways that they want to be shown appreciation, and if you don’t communicate in the language of appreciation important to them, you essentially “miss the mark”. Additionally, employees need to receive recognition more than once a year at their performance review. Otherwise, they view the praise as “going through the motions”. A third component of authentic appreciation is that the communication has to be about them personally – not the department, not their group, but something they did. Finally, they have to believe that you mean what you say. How you treat them has to match the words you use. If you are not sure how your team members want to be shown appreciation, the Motivating By Appreciation Inventory (www.appreciationatwork.com/assess) will identify the language of appreciation and specific actions preferred by each employee. You then can create a group profile for your team, so everyone knows how to encourage one another. Remember, employees want to know that they are valued for what they contribute to the success of the organization. And communicating authentic appreciation in the ways they desire it can make the difference between keeping your quality team members or having a negative work environment that everyone wants to leave. Paul White, Ph.D., is the co-author of The 5 Languages of Appreciation in the Workplace with Dr. Gary Chapman.

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