Set up a call:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Check out our website:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

Hire us and gain:

• Peace of mind during your exam process

• Insider knowledge of NCUA procedures and expectations

• Strategies to address potential issues before they become problems

• Continuous access to our extensive subject matter expertise

With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.

Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

# With Flying Colors Podcast: Upcoming Episodes and Industry Updates

## Episode Summary
Mark Treichel provides updates on upcoming podcast episodes and discusses recent trends in the credit union industry based on Callahan's quarterly state of the industry report.

## Key Points

### Upcoming Episodes
- Late August: Field of memberships and new charters, featuring Keith Stone of the Finest Federal Credit Union
- September: 
  - "You're a Code Three. Now What?"
  - "You're a Code Four. Now What?"
  - NCUA meeting with credit union boards without staff present

### Podcast Statistics
- 192 episodes of "With Flying Colors"
- 46 episodes of "Credit Union Regulatory Exams" (AI-driven audiobook style)
- New schedule: 
  - Mondays: New "With Flying Colors" episodes
  - Tuesdays: "Credit Union Regulatory Exams" episodes
  - Thursdays: "Evergreen" topics from past episodes

### Industry Updates (from Callahan's Report)
- Profitability marginally better
- Charge-offs flat
- Net interest margin improved slightly
- More credit unions engaging in hedging
- Total credit unions: ~4,600
- Total assets: $2.3 billion
- Loan growth slowed to less than 4% (down from 12% in previous 12 months)
- Share growth improved to 2.7% (up from 1.2% in previous 12 months)
- Median credit union (assets $59 million) saw 1.22% decline in shares
- Certificate growth at 31%
- Unrealized losses down from $41 billion to $30 billion
- Borrowings decreased from 6% to 5.3% year-over-year
- Cash reserves built up to about 2%
- Real estate loans down slightly
- Consumer loans down 15%
- Credit card loans up 7%
- HELOCs up 20%
- Commercial loans up 10%

## Call to Action
- Subscribe to the podcast
- Rate the podcast on Apple Podcasts/iTunes
- Check out services at marktreichel.com

Set up a call:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Check out our website:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

Hire us and gain:

• Peace of mind during your exam process

• Insider knowledge of NCUA procedures and expectations

• Strategies to address potential issues before they become problems

• Continuous access to our extensive subject matter expertise

With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.

Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

10 Reasons Why NCUA Should NOT regulate Succession Planning.

https://www.marktreichel.com/

https://www.linkedin.com/in/mark-treichel/

Set up a call:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Check out our website:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

Hire us and gain:

• Peace of mind during your exam process

• Insider knowledge of NCUA procedures and expectations

• Strategies to address potential issues before they become problems

• Continuous access to our extensive subject matter expertise

With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.

Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

Key Points:

1. Recent NCUA exam focus areas:
   - Interest rate risk and liquidity risk (2022-2023)
   - Board governance 
   - Commercial lending programs
   - Loan concentrations
   - Consumer compliance, especially for third-party relationships

2. Board governance issues:
   - Increased expectations for board oversight and accountability
   - Focus on risk appetite and concentration risk limits
   - Need for analytical support and modeling for risk limits

3. Communication challenges:
   - Frustrations with examiner communication and expectations
   - Importance of documenting discussions and agreements with examiners

4. Enterprise Risk Management:
   - Growing expectations for ERM programs, even for credit unions under $10 billion
   - FDIC guidance on corporate governance as a useful resource

5. Stress testing requirements:
   - Increasing expectations for analytical support of policy limits
   - Can be costly and resource-intensive for credit unions

6. Information security:
   - Ongoing area of focus, likely to increase given recent high-profile incidents
   - May lead to more formal exam findings (DORs) on cybersecurity issues

7. Third-party vendor management:
   - Renewed emphasis on oversight of third-party relationships
   - Recent incidents may fuel push for NCUA third-party vendor authority

8. Looking ahead:
   - Potential for increased NCUA staffing and resources for consumer compliance
   - Importance of credit union communication plans for crisis situations

Guests: Todd Miller and Steve Farrar, former NCUA executives and current credit union consultants

Host: Mark Treichel

The podcast provides insights into current NCUA examination trends and offers advice for credit unions on navigating regulatory expectations.

Set up a call:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Check out our website:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

Hire us and gain:

• Peace of mind during your exam process

• Insider knowledge of NCUA procedures and expectations

• Strategies to address potential issues before they become problems

• Continuous access to our extensive subject matter expertise

With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.

Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

In this episode of With Flying Colors, host Mark Treichel sits down with John McKechnie to discuss crisis communication plans and lessons learned from both good and bad crisis communications in the credit union industry.

Key points covered:

1. The importance of having a crisis communication plan in place before a crisis hits
2. Lessons learned from the 2008-2010 financial crisis
3. The critical need to inform members about the safety and soundness of their funds quickly during a crisis
4. The value of tabletop exercises and planning for various crisis scenarios
5. Identifying key stakeholders and prioritizing communication with them
6. The role of social media and digital communication channels during a crisis
7. Creating a dedicated landing page on your website for crisis information
8. Conducting post-crisis analysis to improve future responses
9. Balancing speed and accuracy in crisis communications
10. Handling media inquiries and the importance of transparency

John McKechnie shares insights from his extensive background in the credit union industry, including his time at CUNA and NCUA. He emphasizes the importance of being prepared, transparent, and member-focused during times of crisis.

Contact information for John McKechnie:
Email: [email protected]
Phone: 202-997-5816

Listeners are encouraged to reach out with any questions or suggestions related to crisis communication planning.

Set up a call:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Check out our website:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

Hire us and gain:

• Peace of mind during your exam process

• Insider knowledge of NCUA procedures and expectations

• Strategies to address potential issues before they become problems

• Continuous access to our extensive subject matter expertise

With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.

Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

Navigating Life's Rapids: Joe Jacobi’s Journey from Olympic Gold to Performance Coach

In this episode of 'With Flying Colors,' host Mark Treichel interviews Joe Jacobi, Olympic gold medalist and performance coach. They discuss Joe's journey from winning America’s first Olympic gold in whitewater canoe slalom in 1992 to becoming a renowned performance coach, author, and life strategist. Joe shares insights on teamwork, adaptability, and the importance of finding personal growth and purpose in every phase of life. They also delve into the parallels between navigating rapids and overcoming life's challenges, highlighting how these lessons can be applied to leadership and personal development.

 Introduction and Sponsor Message
 Meet Joe Jacobi
 Joe's Early Mentorship and Olympic Glory
 Navigating Life Post-Olympics
 Performance Coaching and Life Strategies

Joe can be reached via LinkedIn:

https://www.linkedin.com/in/jacobijoe/

Or his website:

http://joejacobi.com/

Set up a call:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Check out our website:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

Hire us and gain:

• Peace of mind during your exam process

• Insider knowledge of NCUA procedures and expectations

• Strategies to address potential issues before they become problems

• Continuous access to our extensive subject matter expertise

With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.

Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

In this episode of 'With Flying Colors,' Mark Treichel discusses significant changes following the Supreme Court's overturning of the Chevron doctrine with Tony Hernandez, CEO of Defense Credit Union Council (DCUC), and Jason Sturrock, DCUC's new Chief Advocacy Officer. They explore the implications of this seismic shift for credit unions, the increased need for robust advocacy, and the legislative landscape's evolving nature. Additionally, they emphasize the importance of clear communication and agile responses to new regulatory and legislative challenges. The conversation also touches on the DCUC's unique advocacy role, upcoming legislative sessions, and preparations for the 2024 elections.

00:00 Introduction to the Podcast

00:35 Meet the Guests: Tony Hernandez and Jason Sturrock

01:24 Discussing the Chevron Case

03:06 Impact on Advocacy and Regulation

11:54 The Role of Communication and Nimbleness

19:00 Future Outlook and Final Thoughts

27:54 Conclusion

Set up a call:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Check out our website:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

Hire us and gain:

• Peace of mind during your exam process

• Insider knowledge of NCUA procedures and expectations

• Strategies to address potential issues before they become problems

• Continuous access to our extensive subject matter expertise

With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.

Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

Understanding the Supreme Court's Impact on Credit Unions: Chevron and Jarkezy Cases

In this episode of the 'With Flying Colors' podcast, Mark Treichel discusses recent Supreme Court decisions, particularly the Chevron and Jarkezy cases, and their potential impacts on credit unions. The Chevron ruling, which overrules the Chevron deference doctrine, signifies a major shift in how courts will review federal agency interpretations of ambiguous statutes, potentially leading to increased legal challenges and a shift in regulatory approaches. Treichel also covers the implications of the Jarkezy decision, which calls into question the constitutionality of administrative proceedings used by banking regulators to impose civil penalties, necessitating a move to federal court for such actions. Overall, the episode provides an in-depth analysis of how these judicial changes could affect credit unions and regulatory bodies like the NCUA.

00:00 Introduction to Maximizing Success with NCUA

00:39 Supreme Court Decisions Impacting Credit Unions

01:27 Deep Dive into the Chevron Doctrine

02:56 Implications of Overruling Chevron

07:41 Potential Impact on NCUA Guidance

11:53 Future of NCUA Regulations and Guidance

19:29 Jarkezy Case and Its Implications

23:26 Conclusion and Final Thoughts

Set up a call:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Check out our website:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

Hire us and gain:

• Peace of mind during your exam process

• Insider knowledge of NCUA procedures and expectations

• Strategies to address potential issues before they become problems

• Continuous access to our extensive subject matter expertise

With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.

Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

NCUA has the authority to take what is called a conservatorship action, resulting in the credit union board of directors being removed.  NCUA then wears 3 hats:  insurer, regulator, and credit union operator - representing the interest of the members.

These are complicated and rare, but one happened last week, and a few happen every year.  Steve, Todd, and I discuss everything you need to know about conservatorship.

https://www.linkedin.com/in/mark-treichel/

Set up a call:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Check out our website:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

Hire us and gain:

• Peace of mind during your exam process

• Insider knowledge of NCUA procedures and expectations

• Strategies to address potential issues before they become problems

• Continuous access to our extensive subject matter expertise

With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.

Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

NCUA is issuing more Letters of Understanding and downgrading more credit unions to CAMEL code 4s.  In this episode, Steve Farrar, Todd Miller, and I discuss everything you need to know about the LUA process.

https://www.linkedin.com/in/mark-treichel/

Set up a call:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Check out our website:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

Hire us and gain:

• Peace of mind during your exam process

• Insider knowledge of NCUA procedures and expectations

• Strategies to address potential issues before they become problems

• Continuous access to our extensive subject matter expertise

With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.

Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

https://ncua.gov/newsroom/press-release/2024/1st-choice-credit-union-conserved

https://www.linkedin.com/in/mark-treichel/

www.marktreichel.com