MADISON, Wis.-Growth for growth's sake in 2012 will only lead to growing problems, notes one analyst.

RANCHO CUCAMONGA, Calif.-Despite all the potential new members in play courtesy of Bank Transfer Day, the growth focus in 2012 should be on getting more from existing members.

LITTLETON, Colo.-Looking to grow? Then do a better job of targeting those who are still growing themselves.

ATLANTA-When it comes to growth, it still comes down to fundamentals like crosss-sales.

CLEARWATER, Fla.-Credit card use picked up during 2011, meaning it's imperative CUs begin ramping up credit card marketing now.

TALLAHASSEE, Fla.-Credit unions should consider encouraging members to use PIN debit over signature, one analyst suggests.

NORTH CANTON, Ohio-At times it seems many credit unions can't wait to push their older members out the door, but one company is cautioning that's a mistake.

RIVERWOODS, Ill.-Credit unions can grow their credit card portfolios in 2012, but one person is suggesting that they will do better if they pair their card offerings with a hyper-local spin on rewards programs.

BIRMINGHAM, Ala.-Time for credit unions to take the covers off their checking account "wow factor," while simultaneously also extending their reach.

DES MOINES, Iowa-Credit unions have to do a better job emphasizing to consumers that they are a much larger part of the community than the big banks.

WILMINGTON, N.C.-One analyst contends there is a revenue source CUs have not tapped that can some day bring them as much or more income than debit interchange.

TEXARKANA, Texas-Like other credit unions across the country, Red River Employees FCU has seen a strong increase in membership. It knows all too well its next challenge.

GREENSBORO, N.C.-A new government program offers a lifeline for credit unions with underwater mortgages on their books, notes Shannon VanSickler.

GLASTONBURY, Conn.-Expect more credit unions in 2012 to drive growth via significantly improved branch automation that takes the load off the front line and allows the CU to more easily absorb new members coming over from banks.

ST. PETERSBURG, Fla.-Credit unions often do a poor job of marketing their credit card offerings to members, according to one person who believes 2012 offers big opportunity to change that.

SAN ANTONIO-Even though budgets remain tight, credit unions must open the marketing purse strings or they will miss big growth opportunities in 2012.

Partnership Focuses On LoyaltyMINNEAPOLIS-Automotive retailer OpenRoad Auto Group, based in Vancouver, B.C., has hired re:member group to create a multi-tiered loyalty program for OpenRoad's nine-dealership auto group, named "Club OpenRoad."For info: www.remembergroup.comEllie Mae Enhances Encompass360PLEASANTON, Calif.-Ellie Mae said it upgraded its Encompass360 mortgage management solution to include new functionality and enhancements designed to further increase compliance, efficiency and ease of use. It also introduced Encompass Originator, an integrated front-end technology solution specifically for users of DataTrac mortgage software.For info: www.elliemae.comFPCU Taps Dwolla For FundraiserDES MOINES, Iowa-Financial Plus Credit Union (FPCU), here, the first financial institution to use online and mobile cash platform Dwolla for charitable donations, made a year-end effort to raise an additional $1,000 for Children's Miracle Network and believes adding Dwolla to the effort will reach the online community.For info: www.dwolla.comFrost Financial Adds CU ClientCINCINNATI-Frost Financial Services, Inc., a provider of GAP programs and menu-selling technology, said it recently inked DHCU Community CU, Moline, Ill., and added more than 90 new clients in 2011, giving it more than 1,000 CU clients nationwide.For info: www.frostinsurance.comOffers Made Easy UnveiledSAN FRANCISCO-Better Branches LLC, a technology provider specializing in front- and back-office workflow solutions, has released Offers Made Easy, which the company described as a cross-selling solution that equips front-line staff to make offers to clients, record the outcome, and provide reporting to management in real time.For info: www.betterbranches.comCU Re-Ups Contract With CUMM DALLAS-Tallahassee FCU has renewed its mortgage lending services with CU Members Mortgage, the company said.For info: www.cumembers.comCO-OP Announces Partnership In Wis.RANCHO CUCAMONGA, Calif.-CO-OP Financial Services said it has partnered with W.C.U.L. Services Corp. and Wisconsin CU Shared Service Centers, Inc., to market CO-OP Network and Payment Processing services. WCUL of Pewaukee, Wis., and WCUSSC of Greenfield, Wis., will market CO-OP products to more than 210 Wisconsin-based credit unions, . WCUSSC already offers CO-OP Shared Branching, CO-OP Member Center and CO-OP E-Commerce Solutions. With the new agreement, WCUL and WCUSSC will also promote CO-OP Network and CO-OP Payment Processing services.For info: www.co-opfs.orgIndirect Lending Services Has New NameN. CHARLESTON, S.C.- Indirect Lending Services, LLC is now Indirect Lending Solutions, LLC, due to a "significant expansion of credit union service organizations" under the South Carolina Financial Solutions, LLC umbrella, including solutions for insurance, compliance, data and other services, the company said.For info: www.indirectlendingllc.comDATAMATX Achieves Compliance ATLANTA-DATAMATX, a provider of printed and electronic billing solutions, said it has received an "Attestation of Compliance" for the Payment Card Industry Data Security Standard 2.0 (PCI DSS) from the PCI Security Standards Council LLC.For info: www.datamatx.comTCI Sells Some Divisions HAUPPAUGE, N.Y.-TCI recently sold five of its products to SS&C Technologies Holdings to concentrate on its loan origination solution-DecisionLender-which generated the majority of its revenue in 2011, the company said. SS&C, a provider of financial services software and software-enabled services, added AddressScreener, CreditScreener, My Credit Screener, Tenant/Employment Screener and FraudScreener to its existing services.For info: www.ssctech.com or www.tcidecisionlender.comDataVerify, Prime Alliance PartnerCOLUMBUS, Ohio-DataVerify, a provider of fraud and risk management solutions, and Prime Alliance Solutions, Inc., provider of mortgage lending solutions, have partnered to offer DataVerify's enterprise-wide risk mitigation DRIVE platform. The companies said client credit unions will have access to products such as 4506T and SSA verifications, as well as DataVerify's identity, application, and property verification services.For info: www.dataverify.com or www.primealliancesolutions.comPartnership on Social MediaHERNDON, Va.-SocialLogix Inc., a provider of social media risk and compliance solutions, and DigitalMailer, provider of digital communications, have formed a reseller agreement where DigitalMailer will be the exclusive partner for the delivery of SocialSentry to the credit union and mid-sized banking markets.For info: www.digitalmailer.com or www.sociallogix.com.4G Enabled ATM DebutsNORTH CANTON, Ohio-In collaboration with Verizon, Diebold has introduced an ATM that is 4G enabled. The technology adds a communication channel to and from the ATM, meaning that in addition to the financial institution or transaction processor being able to communicate with the machine, third parties such as service providers or monitoring centers will also be able to do so. The company said the faster, secure channel will improve monitoring and diagnostics. The 4G LTE connection also means financial institutions have the bandwidth to connect wirelessly with ATMs located off premises. The new machine was introduced in Verizon's booth at the Intenrational Consumer Electronics Show in Las Vegas this week.

Playing With Money Encouraged

MISSOULA, Mont.-Members of $62.2-million Montana First Credit Union last week rejected a proposed merger into $432-million Horizon Credit Union, based in Spokane Valley, Wash.

Hawaii State FCU, Honolulu, promoted Floralyn Wassum to branch manager of its Kapolei Shopping Center location, and Maria Pacupac to teller services supervisor at the same office.