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» Lora Bray
The Fruits of Our Labor
Employment is about much more than money; it equates to lifestyle choices and opportunities.
September 1, 2014
Research indicates a return of worker confidence.
Boomers Are a Booming Business
How can you provide financial strength and opportunity for your boomer members?
August 20, 2014
‘Marketers are overlooking one of the biggest goldmines for disposable income: the baby boomer generation.’
Ups and Downs in Homeownership
The housing industry is improving, but many young adults are delaying their first home purchase.
August 18, 2014
Lenders, feeling constrained by costs and regulations, may be applying more conservative lending standards.
Where Does it All Go?
The thrill of payday is short-lived for many consumers.
August 5, 2014
Help members find opportunities to learn, save, and invest.
Plan to fly high with employee retention efforts.
August 4, 2014
Efficiency is critical to survival.
Soak up the Sun, Sing in the Rain
Help members save for a rainy day.
July 28, 2014
Roughly one-fourth of consumers have no rainy-day fund.
Help Consumers Celebrate Financial Independence
For too many, poverty stands in the way of financial independence and a comfortable lifestyle.
July 16, 2014
Partnerships and collaboration can help create financial security.
What’s the Secret to Success? Questions!
We all want better answers, but first we need to ask the right questions.
July 14, 2014
Curious people are better able to define clear objectives and identify potential opportunities, research show.
Take a Selfie!
Image repair does not occur easily.
July 6, 2014
‘The No. 1 challenge for banks is differentiating themselves from other financial firms that have bad reputations.’
The Great Recession: Still on Shaky Ground?
The recession may be over, but many consumers have yet to find solid financial ground.
June 23, 2014
How can you help members find financial highs while confronting recessionary tremors underfoot?
View All Articles by Lora Bray
Credit Union Magazine
September 2014 digital edition
Guide Members to Financial Health
Defining the Social Media ROI Debate
You Can't Freeze Out CU Folks From a Good Fundraiser
Transforming the Branch Manager
Driven to Serve
While I thought that the premise of the article was good, I found one point very disturbing. It is that the Visions FCU ages people off their board at age 70. I found that really offensive. It perpetuates what I believe to be the regrettable marginalization of elders in our society, and the often erroneous assumption of debility and decline after a certain chronological age. Lots of folks over 70 are leading dynamic and viable professional lives and contributing to our society. How about Warren Buffet, a number of Supreme Court Justices, Jimmy Carter, the late Nelson Mandela and the late Maya Angelou, to name but a few, along with scads of writers, academics, performers, artists, and often our friends, neighbors and colleagues. If Visions wants new people on their board, it seems as though the term limitations and a nominating committee can accomplish that without aging all people off at age 70. I think that’s so insulting. And if those were paid employment, it would be illegal. I do wish you’d have picked a different credit union to profile---one that perhaps does many of the same things, without the arbitrary age exclusion. There have to be others out there.
David, good point about the "recovering comfortably" comment. That was an editorial addition--which I'll remove.
Many good points but too rosy? Will the "Federal Reserve raise short-term interest rates 1% per year for the next three years, starting in 2015—“probably next year at this time” ? I have heard from other economist that the US government will go bankrupt if that happens due to the QE the fed has done for several years. Also it seems an exaggeration to say “We survived a heart attack,now the economy is recovering comfortably." Comfortably recovering is too ignore the economic stress that many members still live with daily that will eventually affect many credit unions.
Karan, Great article and insight. I would also recommend that you start getting those credit cards into the hands of the youth BEFORE they are in college. One of the best ways to reach this young generation is through mom and dad. Before the student goes to college, get them started with a credit card (even if mom and dad are joint on it). It's never too early to start marketing credit cards. Mark
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