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Articles from our Experts in Lending
Beyond the Score
February 20, 2012
Hopefully it’s OK to say that the worst of the recession is behind us. At least, that’s what all the data and experts keep telling us.
To Spur Loan Growth, Learn From the Past
January 24, 2012
There’s an upside to the economic down cycle: A wealth of information on bad accounts.
Court OKs Up-Front Card Fees
January 13, 2012
The original rule regarding the limitation of fees during the first year after an account is opened remains in place and credit unions should continue to comply with it.
Portfolio Management: Four Keys
October 24, 2011
Sound loan portfolio management has always been essential. But its importance has become particularly evident to credit union boards and management teams during the past several years.
The 14-Day Question
September 24, 2011
Some CUs are confused about the 14-day timing requirement for periodic statements.
What’s That Roaring Sound?
September 12, 2011
An obscure book of business just a few years ago, student loan debt has roared past credit card debt and will surpass $1 trillion this year.
Taking Risks To Help Members
July 18, 2011
If we adopt a totally risk-averse position we, in effect, behave no differently than many of our for-profit competitors.
It's Time to Make Mortgages
May 23, 2011
The housing crisis and recession have given CUs an opportunity to serve more members. But this period of heavy mortgage refinancings won’t last forever.
Reg Z Revisited, Again
May 18, 2011
Still more clarification is needed on the Fed's Reg Z changes.
Embrace New Lending Strategies
April 11, 2011
The flood of new regulations makes this an ideal time to discuss the CU difference with your members.
Credit Union Magazine
March 2014 digital edition
Tweets about "#CUNAGAC"
A New Payments Paradigm
Prepare for the End of Gridlock
Solving the Fannie and Freddie Puzzle
Reviving the Spirit of St. Louis
This is a great list, but falls short. Consider the myriad of other risks that can bring the credit union to its knees: Technology risks including viruses, trojans, data breaches and other forms of security compromises. People risks, including disgruntled employees, social engineering attempts, social unrest, prison breakout, social media entries that also affect the mentioned reputational risk. Environmental risks, which could include derailed or overturned chemical tankers,blizzards, hurricanes, tornados, sink holes (save the Corvettes!), earthquakes, mudslides, forest fires. Leaders always need to be asking themselves, "What could stop us from performing our mission?" A solid crisis management organization, coupled with a realistic, exercised business continuity plan is vital to ensure continued operations.
Cash America self reported the Ohio collections robo signing incident which was a violation of company policy. An outside investigation was conducted and findings were reported to the state and CFPB. Customers were refunded money due the company before any federal or state action was announced.
This important article managed to engage & inform in a few short minutes. Kudos, CU Magazine!
This is such a great example of credit unions giving back. The key with Complex Community is that they don't just do these acts of kindness just to do them. They are a part of their culture (as you noted). Before starting a similar program, other credit unions should do a deep dive into their culture and then match their program to who they are.
This article is spot-on regarding engagement. In fact, many credit unions need to replace their sales training with member engagement training. Your members don't want to be sold to--they want to be engaged with. Likewise, your front-line staff are not sales people--they are educators.
Tweets by @cumagazine
Say: Who should be Credit Union Magazine's 2014 CU Hero of the Year?
William Armstrong, Northeast Community CU
Dan Morrisey, Queen of Peace Arlington FCU
William Rissel, Fort Knox FCU
Joni Senkpeil, Illinois CU System
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