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.

Credit Union Conversations: The Role of MBFS in Strengthening Credit Unions and Business Lending

In this episode of with flying colors, host Mark Treichel speaks with Mark Ritter, CEO of Member Business Financial Services (MBFS). Ritter sheds light on his journey in the industry, starting from establishing a business lending program at a Central Pennsylvania Credit Union, which grew into one of the top ten in the nation. He shares the challenges and learning incidents related to commercial lending from his extensive experience. MBFS has made a significant impact by helping countless credit union members get the financing they need for business and investment. Ritter underscores the importance of relationship-building, focusing on diverse portfolio strategies, and the advantages of collaboration in the industry. He also encourages credit unions to leverage programs like the SBA lending for their growth.

00:00 Introduction and Guest Background
03:13 The Journey of Commercial Loans in Credit Unions
18:32 The Role of QSOs in Credit Unions
20:38 Future of Commercial Lending in Credit Unions
24:43 Closing Remarks and Contact Information

https://www.mbfs.org/strategic-partners.php

https://markritter.com/podcasts/

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.

Discussing NCUA's Supervisory Priority Letter: Part Two

In this podcast, Mark Treichel is joined by Steve Farrar and Todd Miller for a second discussion of the priority letter from the National Credit Union Administration (NCUA). They delve into topics such as consumer financial protection, bank secrecy act, cybersecurity and support for small credit unions and minority depository institutions. The trio reflect on the importance of communication during the examination process, related budget implications and increase in resources in this area, and the rising priority of consumer financial protection. They also explore the timeliness or lack thereof of examination reports, highlighting the need for credit unions to maintain proper protocols and functions for comprehensive and timely examinations.

00:35 Introduction and Overview
01:26 Discussion on Consumer Financial Protection
07:29 Insights on Cybersecurity and Information Security
11:24 Bank Secrecy Act and its Implications
14:25 Support for Small Credit Unions and Minority Depository Institutions
17:01 Final Thoughts and 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.

Discussing NCUA's Priority Letters and the Credit Risk Landscape

In this episode of 'With Flying Colors', host Mark Treichel along with Steve and Todd, former members from NCUA, discuss NCUA's third annual letter to Credit Unions covering Exam Supervision and Supervisory Priorities. They delve into the reasons behind prioritizing the areas of credit risks, liquidity risks, and interest rate risks. Evaluating historical data and recent changes in interest rates, they reflect upon the challenges faced by credit unions in maintaining liquidity and managing interest rate risks, and how these are intertwined. The discussion covers NCUA's focus on Net Economic Value (NEV) as an examiner's tool, and the need to also consider income simulations, liquidity numbers, and other factors in the analysis. The conversation ends with a call for part two of the discussion.

00:35 Introduction and Guest Introductions
03:37 NCUA's Examination Priorities
03:58 Deep Dive into Credit Risk
12:06 Exploring Liquidity Risk
17:26 Understanding Interest Rate Risk
22:34 The Impact of Changing Interest Rates
28:32 The Role of Examiners in Risk Management
38:23 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 Board Meeting: Fair Lending, Consumer Compliance, and Vacancy Rates

Mark Teichel discusses the first National Credit Union Administration (NCUA) board meeting of 2024, emphasizing the introduction of Tanya Otsuka, the new Democrat board member. Key topics include an increase in fair lending exams, consumer compliance, and the NCUA's challenge in filling vacancies. The upcoming priority letter and improvements in the timeliness of exam reports are anticipated. Teichel also highlights the statements made by the three board members post-meeting, indicating a continued focus on fair lending and consumer compliance.

00:35 Introduction and Overview of the Episode
00:40 Insights from the NCUA Board Meeting
01:53 Press Releases and Statements from the Board Members
02:21 Chairman Harper's Priorities and Concerns
05:57 Vice Chairman Hauptman's Focus on Surveys and Timely Delivery of Exam Reports
08:47 New Board Member Otsuka's Emphasis on Fair Lending and Consumer Protection
10:52 Discussion on Vacancy Rates and Hiring Challenges
12:50 Expectations for the Upcoming Priority Letter
13:38 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.

Navigating the NCUA's Changing Priorities & Regulations: With Flying Colors

In this episode of 'With Flying Colors', Mark Treichel discusses the current developments and predictions for regulations and priorities within the National Credit Union Administration(NCUA). He talks about the issues faced by Navy Federal Credit Union due to reported disparities in their loan acceptance patterns among different racial groups, leading to an the Senate turning up the heat. He mentions Chairman Todd Harper's focus on consumer compliance will likely increase due to this incident. Mark provides a  review of the NCUA's 2023 annual performance plan and predicts an increase in focus on climate change, diversity, and compliance in the 2024 plan. Mark also offers predictions for the NCUA’s supervisory priority letter for the upcoming year. He shares plans for upcoming podcast topics 

00:35 Introduction and Personal Update
01:10 Update on NCUA Board and Navy Federal's Challenges
02:47 Predictions on NCUA's Focus and Impact on Credit Unions
04:11 Discussion on NCUA Board Agenda
05:23 Analysis of Annual Performance Plan
10:42 Predictions for 2024 NCUA Priorities
13:03 Upcoming Podcast Topics
14:28 Conclusion and Personal News

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.

A Conversation with Brian Knight of NASCUS

00:00 Introduction 

00:41 Reflections on NASCUS and Credit Unions in 2023

01:05 NASCUS Initiatives and Achievements in 2023

01:59 Discussion on Anti-Financial Crimes and Cybersecurity

03:32 Legal Roundtable and Litigation in the Financial Services Sector

04:26 NASCUS's Regular Operations and Achievements

05:43 Training and Education Initiatives by NASCUS

06:26 Looking Ahead: Challenges and Opportunities in 2024

06:53 Discussion on AI and Fraud in the Financial Sector

15:12 Implications of Mergers in the Credit Union System

17:15 Changes at the NCuA Board and Potential Impacts

27:29 Looking Forward: NASCUS's Agenda for 2024

39:20 Closing Remarks and Future 

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.

Introducing the Credit Union Regulatory Guidance Podcast

In this episode of 'With Flying Colors', host Mark Treichel announces a new podcast titled 'Credit Union Regulatory Guidance'. Sponsored by Credit Union Exam Solutions, this new program will primarily focus on educational content presented in an audiobook-style format, explaining new regulatory directives from the National Credit Union Administration (NCUA), FDIC, OCC, FFIEC, and the CFPB. The aim of the podcast is to ensure credit union leaders understand crucial guidance often cited in NCUA exam reports. The host of this new podcast, Samantha Shares, is introduced. Samantha, who is an AI voice, outlines plans to release two episodes weekly and gives a sneak peek into topics like contingency funding and commercial real estate concentrations, among others.

00:35 Introduction and New Year Wishes
00:40 Introduction to the New Podcast: Credit Union Regulatory Guidance
01:16 Purpose and Focus of the New Podcast
02:42 Invitation to Subscribe to the New Podcast
03:01 Introduction of the New Podcast Host: Samantha Shares
03:12 Discussion on the Upcoming Episodes of the New Podcast
04:32 Conclusion and Final Remarks

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.

What topics would you like to cover in 2024?

Who Should We Interview?

Let us know at [email protected]

or

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.

In this episode, Mark Treichel summarizes the major developments at the NCUA and provided his insights on how Tanya Otsuka's appointment may influence the NCUA moving forward. Mark discusses the important role of the 'overhire' power within NCUA and how it could be used in 2024. He anticipates an increased focus on climate change issues and consumer compliance from the board, with the potential for larger budget allocations in these areas. Furthermore, Mark expects Tanya and Chairman Todd Harper to work closely together,  shifting the dynamics and future focus of the NCUA board.

00:35 Introduction and Year-End Recap
01:01 New Board Member at NCUA
01:37 Potential Influence of New Board Member on NCUA
02:33 Predictions for NCUA's Budget and Priorities
03:54 Expectations for Consumer Compliance and Overdraft Policies
06:03 Budget Adjustments and Overhiring in NCUA
08:08 Chairman's Influence and Potential for Cooperation Among Democrats
09:44 Introduction of Tanya Otsuka and Her Potential Impact
10:55 Closing Remarks and Future Plans

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.

Host Mark Treichel interviews Bill Paton, Vice President at Alloya Federal Credit Union on the topics of liquidity in credit unions, focusing on events that took place in 2023. Bill identifies issues and developments including a rise in creative strategies for liquidity management such as securitizations and deposit swaps. He surmises that this ingenuity, likely a consequence of challenging times, will continue into 2024. The two also discuss the role of corporates credit unions and the Federal Home Loan Bank system in aiding liquidity. Lastly, they touch on the importance of loan pricing in managing liquidity, the potential benefits of non-member deposits, and the complexities of managing underwater loans.

00:35 Introduction and Guest Presentation

00:59 Discussing Liquidity in Credit Unions

01:11 Reflecting on the Year 2023 in Credit Unions

01:43 Exploring the Role of Aloia Federal Credit Union

02:15 Analyzing Liquidity Challenges in Credit Unions

02:52 Understanding the Impact of the Pandemic on Credit Unions

03:27 Discussing the Role of Large Credit Unions in Overall Numbers

04:34 Exploring the Concept of Loan to Share Ratio

08:14 Discussing the Future of Credit Unions in 2024

09:03 Understanding the Role of Securitizations in Credit Unions

14:50 Discussing the Impact of Federal Home Loan Bank System

20:10 Exploring the Role of Non-Member Deposits in Credit Unions

22:38 Discussing Loan Pricing in Credit Unions

28:22 Conclusion and Contact Information

https://www.linkedin.com/in/william-d-paton/

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