DALLAS-CUs must pay close attention to "funding cost control" and make sure the assumptions they place into the ALM model are accurate.

VISTA, Calif.-Bluepoint Solutions CEO Hal Tilbury sees many credit unions saving 60% to 70% on their paper and printing costs by shifting to electronic document capture and management systems. But what's most important, he said, are improvements in employee productivity.

BALTIMORE-With pending regulations putting pressure on card and overdraft revenue, Creditor Resources Inc. recommends focusing on fee income from non-core products.

CLEARWATER, Fla.-Stepping up card program marketing may not only boost portfolios and revenue, it may also attract small business relationships.

TALLAHASSEE, Fla.-Even small increases in transaction prices strengthen the bottom line.

MADISON, Wis.-Credit unions looking to boost business lending should target more than just the businesses banks are turning down-they should also snap up the experienced lenders those same banks are letting go.

MADISON, Wis.-Rethinking some assumptions about lending can go a long way toward the bottom line, according to Dave Colby. "I would not spend a lot of marketing time and effort on new vehicles because they will be hard to get, maybe some auto loan recapture, and as long as you can freshly underwrite the loan that's helping your balance sheet too," said CUNA Mutual Group's chief economist.

ATLANTA-If the credit union is not using data to support marketing decisions, it's not spending marketing dollars wisely.

RANCHO CUCAMONGA, Calif.-From scrutinizing contracts, to increasing transaction revenue, or sparking collaboration, Stan Hollen realizes that CEOs have to do all of the above-and more-to prop up the bottom line.

SCOTTSDALE, Ariz.-That operating expenses are getting scrutiny is no secret. But where that scrutiny should lie sometimes is, stresses Cornerstone Advisors Inc.

CINCINNATI-Don't overlook the bottom line impact of reviewing branch performance, reminds Michael King, VP strategic planning at DEI.

CANTON, Ohio-Financials that are the best at driving the bottom line are those that coordinate their services and messages across all of their communications platforms-because "no channel ever goes away."

LOS ANGELES-Re-examining executive benefits-including the possibility of restructuring them-can both save money and generate income, according to Executive Compensation Solutions.

JACKSONVILLE, Fla.-Counting on consumers dissatisfied with their banks to drive growth is no panacea, reminds Fidelity National Information Services (FIS). "Credit unions need to know their market segment, who their members are, and what got them where they are in the first place," offered Patricia Valentino, SVP-general manager.

BROOKFIELD, Wis.-Member education and card rewards are two areas that mean a lot to the credit union bottom line in 2010, according to Fiserv.

CALABASAS, Calif.-Understanding the real value of data that credit unions already have along with how online services are evolving can have a profound affect on bottom line, one person is noting.

TEMPE, Ariz.-Budget custs for the sake of budget will not improve the bottom line, stressed Nicolette Lemmon, president of LemmonTree Marketing Group, who emphasized that reducing line items such as the marketing or training budget can be costly in a time when credit unions have the opportunity to grow.

LAKE BLUFF, Ill.-Keep those expense cutting knives out and quit waiting for a return of the pre-recession net interest margins, one person is urging.

ST. PETERSBURG, Fla.-It's time for credit unions to reach out to vendors to seek longer-term deals that cut costs. PSCU Financial Services reports it has been seeing many more requests for such deals, often extending terms out to 10 years, explained Chief Sales Officer Chuck Fagan.

SAN ANTONIO-Bolstering the bottom line is all about mitigating losses, insists Mark Hein, CEO of SWBC's Credit Union Division.