Articles by Bill Merrick

'It's More Than the Core'

Keep member disruptions to a minimum during core conversions.
The core is more than just the system that tracks transactions. It touches all delivery channels.
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'New System Under Construction'

Core conversions require top-notch communication and planning.
Core conversion success depends on the combined efforts of the CU and the conversion team.
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‘No Such Thing’ as an Easy Core Conversion

If you let things slide, you risk ‘having a wave come over your head.’
Keys to conversion success including staying on course, communicating regularly to employees—and trying to make the process fun.
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Don't Get Dust in the Server & Other Core Conversion Lessons

Share One CEO finds that sacred cows make delicious hamburgers.
Done right, a core processing conversion can be more than a technology upgrade. It can transform a CU.
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Fixing the Economy

CUNA's economists debate the merits of government stimulus vs. fiscal restraint.
In 1932, John Maynard Keynes ignited a debate among economists and policy makers that still burns to this day. In a letter to the Times of London, Keynes proposed using federal deficit spending to reduce the length and severity of the Great Depression. Is that the best approach to tackle today's economic challenges?
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Create a Unique Value Proposition

An Australian CU's dedication to sustainability resonates strongly with members.
Kim Sponem's leadership sabbatical in Australia unearthed lessons U.S. CUs can apply.
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From Dairyland to Down Under

A Wisconsin CU CEO on sabbatical in Australia finds clues for dealing with challenges facing U.S. CUs.
A Wisconsin CU CEO on sabbatical in Australia finds clues for dealing with challenges facing U.S. CUs.
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Welcome Hispanic Members

Small changes can help CUs make big inroads into the Hispanic market.
Walk into your branches as if it were the first time and you didn't speak English.
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The ‘Death Knell’ of the CU Movement?

Lack of access to alternative capital could have serious consequences for CUs.
Alternative, or supplemental, capital could allow credit unions to raise money from outside the institution and use it as a capital buffer.
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Could Alternative Capital Unleash CUs' True Potential?

Lack of access to alternative capital could constrain CUs' long-term growth.
Fallout from the economic crisis increases the need for alternative capital. Even well-capitalized CUs are limiting growth due to fear of capital constraints. But to use alternative capital, CUs would have to demonstrate management savvy and discipline.
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