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top 10 insights
Articles by Lora Bray
The Top 10 Service Trends of the Future
Expect insourcing to replace outsourcing due to poor consumer experiences.
March 20, 2013
Savvy managers of frontline service providers will incorporate these trends in their strategies for member interactions.
March is 'Credit Education Month,' so why not throw a party?
March 18, 2013
Personal remembrances may bring repeat business to your CU.
Let's Shake On It
Nonverbal behavior can have much more impact than verbal messages.
March 17, 2013
What message can CU staff send with a simple handshake?
Ephemeral or Harbinger?
How many consumers join to secure an auto loan—and then go dormant?
March 11, 2013
Let your CU be a harbinger of better times for your members as opposed to a fleeting vision of delight.
Getting a Good Stretch
While CUs bend over backwards to serve members, many employees are stretched thin.
March 6, 2013
Many consumers are over-extended with payday loans.
Watching Paint Dry Can Be Palatable
How much of any process or situation can you control to ensure a successful outcome?
February 18, 2013
Preparedness is important, but unanticipated variables ultimately come into play.
Feel the Love
CUs’ people-helping-people philosophy is another expression of love.
February 16, 2013
CUs make strong emotional connections with members every day.
Slithering Toward a Solution
Organizations, like people, can only allow temporary solutions for so long.
February 4, 2013
Band-Aid approaches to solving dilemmas eventually create more problems than they solve.
It’s Elementary, My Dear Watson!
Don’t assume members know ‘the obvious.’
January 28, 2013
How might you easily communicate basic features and functions in a welcoming way?
Light Bulb Moments
What lessons can CUs learn from Thomas Edison?
January 21, 2013
‘Our greatest weakness lies in giving up. The most certain way to succeed is always to try just one more time.’
Credit Union Magazine
September 2014 digital edition
Membership Growth Strategies
Q&A: How Technology Shapes CU Branch Design
Q&A: Staff Functionality Dictates Modern Branch Design
Four ‘Must Haves’ for Mobile Pay Technology
Money Machine Grabs Shoppers' Attention
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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