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Articles by Lora Bray

Gear Up for Success

Success in both financial services and snowshoeing depends largely on the gear you’re using.
January 7, 2013
Lora Bray
One Comment
Find the right tools to help your CU weather any storm that comes along.
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Training Helps Staff Avoid 'Whoops!' Moments

Research illustrates the importance of planning for success.
December 24, 2012
Lora Bray
No Comments
Know your members, staff, and environment to be ever-ready in your service interactions.
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What Are Members' Money Motivators?

Money matters have an emotional component for consumers.
December 16, 2012
Lora Bray
No Comments
Appreciate how emotions motivate certain financial behaviors.
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The Domino Effect

Every action has a reaction, and the events around us affect our members, staff, and services.
December 4, 2012
Lora Bray
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How can we position our CUs for optimal performance and success?
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Four Hands, 88 Keys

‘Treat your customers like lifetime partners.’
December 4, 2012
Lora Bray
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Consider the value of your partnerships, and realize it takes two to succeed.
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Thank You Economy
Book Reviews

'The Thank You Economy'

Social media has revolutionized how business is conducted.
December 2, 2012
Lora Bray
No Comments
Are you grateful for your members’ business? Then say so!
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Research Roundup

What's on Your Menu?

Questioning traditions can result in improvements.
November 24, 2012
Lora Bray
No Comments
Your members are both hungry and curious. What will you serve them?
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The Dream Job

‘Luck is a matter of preparation meeting opportunity.’
November 12, 2012
Lora Bray
No Comments
We may not find immediate gratification as we walk our career paths, but it’s important to set goals and fuel our passions as we go.
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Don't Throw Members Under the Bus

How might your CU best relate to members in crisis?
November 5, 2012
Lora Bray
No Comments
Good customer service requires genuine empathy, compassion, information, timeliness, and a desire to assist.
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A Horror Story

Baby boomers continue to attract attention. Does research this week reveal tricks or treats?
October 29, 2012
Lora Bray
No Comments
To stand a ghost of a chance in today’s marketplace, the use of social media is critical.
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May Cover

Credit Union Magazine

• May digital edition

May 2013

heroes

What's Popular

Popular Stories

Scenes from the 19th Annual CUNA CFO Council Conference

Survey Says: Americans Lack Credit Score Knowledge

Warren Morrow Named 2013 CU Hero of the Year

The ABCs of APT

Identify & Monitor Indirect Auto Lending Risks

Recent Discussion

In remembering Warren, the first thing I think of was his smile. He was a gentle, caring man who always thought of others first. I was honored to be a part of the MiOpportinidad project with Affinity Credit Union, Warren and Miriam. His hard work and dedication to that project was inspirational. Warren so deserves this award.

The author really understands the credit union philosophy and I really enjoyed the analogy of his bathroom remodel. The only thing missing was pictures of the finished bathroom! :)

Thank you Phillip for showing the differences between a Big Bank that is only looking to sell you products and a Credit Union that actually looks out for its members needs. Great article!

I love and give a standing ovation to Ron Kase and to other caring people just as much as those who passed away on 2012 like Warren Morrow at Des Moines Iowa. He worked hard for those who are under-served an under-represented, but wasn't mentioned in your magazine. It may be beneficial for the entire world to know about his accomplishments no for his benefit, obviously, but to increase the number of positive and caring people and to add members the CU. Just ask Coopera Consulting at Des Moines Iowa about Warren Morrow's legacy.

That’s right Lisa. The servicing rule would not require a credit union to create its own policies and procedures if all aspects of the servicing are delegated to a sub-servicer. However, remember that the credit union will have to conduct due diligence on the sub-servicer to make sure it is following the minimum requirements for policies and procedures. Unfortunately, even those credit unions that use a third party servicer will need to have a working knowledge of the CFPB’s servicing rule.

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