Articles by Bill Merrick

The ‘Death Knell’ of the CU Movement?

Lack of access to alternative capital could have serious consequences for CUs.
Bill Merrick
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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.
Bill Merrick
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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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When Factories Fold

Bill Merrick
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The recession has idled scores of U.S. factories. When the gates close, CUs become members' financial safety net.
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Restructuring Troubled Debt

CUs face a delicate balancing act as they try to help members.
Bill Merrick
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Can you spot the troubled debt restructuring in these scenarios?
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Salary Freeze

Four of 10 CUs plan to forgo raises this year to survive tough economic times.
Bill Merrick
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This year at GTE Federal Credit Union, Tampa, Fla., no employee will get a raise, promotion, or 401(k) match. But nobody's complaining.
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From Paper to Practice

Continuous research keeps strategic plans flexible and actionable.
Bill Merrick
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View your strategic plan as a road map written at the beginning of a journey.


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The Ultimate Question

Net promoter score sparks creative ways to improve member loyalty.
Bill Merrick
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What can marketers learn about member loyalty from a "rubber chicken" dinner?
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Teach Youth the Finer Points of Financial Literacy

Simulation gives young adults a taste of the financial challenges they'll face in the future.
Bill Merrick
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Simulation gives young adults a taste of the financial challenges they'll face in the future.
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