BIRMINGHAM, Ala.-When it comes to e-statements, the "e" also stands for efficiency, according to one person.

HOUSTON-The bottom line on enhancing the bottom line, said Steve Swanston, is that there's no short answer. The topic could be a book-and a long one at that.

ONTARIO, Calif.-Two often overlooked aspects of shared branching are the cost savings and the ability to test-pilot new products, according to one person.

LAKE MARY, Fla.-Credit unions looking to jump start growth in 2011 don't need to be looking to new members, but doing a much more effective job of getting business from the members they already have.

DEERFIELD BEACH, Fla.-Sandi Torres has a simple bottom line strategy: if a member doesn't know a credit union offers a product, they're not going to purchase that product.

SCOTTSDALE, Ariz.-Credit unions considering aggressive methods to improve the bottom line should instead be content with more conservative strategies, insisted McGuire Performance Solutions (MPS).

TAMPA-To hear Chuck Fagan tell it, there's no one strategy for enhancing the bottom line. Rather, PSCU Financial Services' EVP explained, CUs need to keep a close eye on a trio of factors.

LOMBARD, Ill.-It's time CUs improve their ability to manage their cost of funds-getting back to core competencies practiced before overdraft and interchange revenue became big contributors to the bottom line.

SAN ANTONIO-Remember the cuts credit union management made to the marketing and training budgets? It might be time to put that money back.

SAN DIEGO-As credit unions turn to new technology to impact the bottom line, one person suggests not overlooking "the basics."

DES MOINES, Iowa-Regardless of what happens in the fight over debit interchange, credit unions have to get started today with a strategy to make the debit card program viable into the future.

WILMINGTON, N.C.-The lever CUs should be pulling the hardest to drive the bottom line is the one connected to the checking account, according to Bob Giltner.

WASHINGTON — Credit unions called on Congress last week to water-down the powers of the new Consumer Financial Protection Bureau — even before the new agency has opened its doors.

RANCHO CUCAMONGA, Calif.-CO-OP Financial Services last week announced a patronage dividend for shareholders of $20.2 million for fiscal year 2010.

Matz Hints At 'Significant' Changes In Corp. Proposal

HONOLULU - Members upset with a board seen as having awarded itself too many perks have ousted a CU's incumbent chairperson and voted in two new members who had been calling for changes.

MOLINE, Ill.-A business model that combines high tech with personal attention has helped credit union double assets in the last five years.

MADISON, Wis.-Loan demand for credit unions declined again in February for the sixth month in a row and has fallen more than 2.2% over the past year, according to data released by CUNA last week.

NEW YORK-In a move hailed by consumer advocates, Citigroup last week said it plans to process consumers' smallest checks first, resulting in fewer overdraft fees. The company will still process other payment types high-to-low, however.

CULVER CITY, Calif.-Not too far down the road, credit unions may offer members a credit card that displays a member's balance, available credit, and delivers an ad pitch on a small LCD screen.