Ray Birch

The full impact of the Durbin rules have yet to trickle down to financial institutions below $10 billion, but it's coming.

A unique lending promo at A+ FCU is not only helping six small startup businesses succeed, it's making the credit union a better business lender.

While expanding the credit union's reach via electronic services is even more popular today due to belt tightening, Michael King, VP strategic planning for DEI, cautions not to overlook bricks and mortar in 2013.

The "rate business" will no longer carry the bottom line load, and Michael Moebs, economist and CEO at Moebs $ervices, insists it's time CUs become more efficient-and that means adding fees for more of the services they provide.

Credit unions are certainly feeling ROA pressure today, which prompts one person to ask if enough CUs have plans in place for creating alternative revenue sources.

Strategic planning for 2013 needs to focus on strategies to better use member data, improve the governance model, and make more effective decisions about core competencies, according to Shazia Manus, CEO of The Member's Group.

As credit unions enjoy some of their strongest member growth numbers and national publicity in recent memory, NAFCU President Fred Becker is urging the industry to bring the CU message to even more consumers.

Now is a time lenders must pay close attention to used values, advises Ricky Beggs, VP and managing editor at Black Book.

The recession has turned many more CU credit card holders into transactors — those who pay off balances monthly — which is making rewards more important, according to Kevin O'Donnell of Discover.

NCUA's plans to introduce a new Office of National Examinations and Supervision has North Carolina's State Employees Credit Union, one of the four $10-billion-plus CUs that fall under ONES' supervision, wondering what the regulator's intent is.

With increased overdraft scrutiny coming from the CFPB, a number of CU CEOs are revisiting so-called "high-to-low" transaction posting practices established by credit unions in the early 2000s.

Diana Dykstra, president of the California and Nevada Credit Union Leagues, is confident the West Coast CUs will successfully defend themselves against what she calls "frivolous" overdraft lawsuits.

Dean Seifert, SVP of product development and innovation at Vantiv, shared 10 important steps credit unions should consider to maintain, grow and protect their payments business.

With credit unions seemingly having little control over growing earnings pressures and shrinking margins, it's time the industry takes a systematic approach to product pricing.

Stan Hollen, CEO of CO-OP Financial Services, told Credit Union Journal that the recent recession has taught CUs that the organization must be nimble to react to the unexpected.

Mobile and P2P should be high, if not at the top, of this year's strategic planning topics, asserts Jim Park, CEO of Credit Union 24.

Cory Jefferies, VP of business development for SWBC, said credit unions "simply have to pay more attention to non-traditional credit union products."

NEW YORK-Cash back, coupons and a potential new CU revenue stream are all part of a merchandise shopping platform being promoted to credit unions by UNFCU Financial Advisors.

COMSTAR FCU is prepared for the Sept. 30 interest rate risk management policy deadline, as well as for a quick, sharp rise in rates.

Fiserv's Orlando Hanselman is asking whether credit unions will make the interest rate risk deadline and if all the right CUs are paying attention to the rule?