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Articles by Keith Kasmire
Stand Up and Lead Others to Value Everyone
8 minutes 8 concrete ways to do the right thing and reap the business benefits. Only 4% of the members of Gen Z are credit union members, according to an article by CUESolutions provider PSCU/Co-op and pymnts.com. “And that’s a problem,” the headline of the article asserts. Why is that a problem? It’s a problem because over the next 20 years, $84 billion will be transferred from older generations to younger people—and Gen Z is clearly not bringing those assets to credit unions.
Harnessing the Power of Credit Union Collective Leadership for Sustainability
4 minutes Based on collaboration and with a focus on community, collective leadership aligns with our industry values. Sponsored by CUES Supplier member Envisant. Change is not only inevitable but also happening more rapidly than ever. A leadership approach that addresses the uncertainty and complexities of change is needed for credit unions to thrive within this fast-paced environment.
Lending Consumer Research: Digital Isn’t Enough for Today’s Borrower
5 minutes Credit union members expect a consistent experience across channels. The pandemic forced a near-overnight explosion of digital commerce. Four years later, there’s not much we can’t do online. Even fairly involved tasks, like seeing a doctor or renewing a passport, can now be done from home and largely on the terms of the individual seeking service. Borrowing money has, of course, joined the list of things that can be done digitally.
Why DEIB Is Part of Sustainability
8 minutes A Q&A with United Nations FCU about how sustainability and diversity efforts are both key factors of the credit union’s strategy Carlene Alexander, VP/DEIB & global diversity officer at United Nations Federal Credit Union, is responsible for using a DEIB lens to develop and implement its workforce, workplace and marketplace initiatives. The $8.9 billion New York City-based financial cooperative aligns its corporate social responsibility with the UN Sustainable Development Goals.
Empowering Credit Union Members Through Financial Wellness Programs
7 minutes A vital resource to improve financial well-being and financial literacy This is sponsored by CUES Supplier Member Enrich Financial Wellness. It is reprinted with permission from the original. For many, a nagging sense of worry about bills, debt and the elusive security of "enough" hangs heavy in the air. This financial stress, as studies by the American Psychological Association have shown, impacts a staggering 72% of Americans, negatively affecting both well-being and health.
Am I Emotionally Intelligent?
Isaac Newton is said to have said, “Tact is the knack of making a point without making an enemy.” With this statement, Newton, famous for inventing calculus and for his work on forces during the 1600s, seems to have been well ahead of his time in understanding emotional intelligence.
Leadership Matters: Focus on Your Ethical Bottom-Line
5 minutes Reinforce these four actions to create an ethical culture at your credit union. The business press produces a constant stream of articles discussing organizational culture. We see almost daily messages about the challenges and dynamics of culture, as well as the growing emphasis on creating an ethical culture in organizations.
Reimagine your MX
Why go to a restaurant when you can easily order delivery? Why see a live show, drive a convertible or choose the scenic route? Because experience makes a difference, rapid changes in what consumers expect mean that credit unions must reimagine their member relationships, retool their delivery channels and refine their brands to keep up with what members want, experts say.
Reimagine Your MX | CU Management
We have never seen channel replacement in the long history of banking. Efficiency is also a focus at Content Guru, a CUESolutions provider with U.S. headquarters in California and Virginia. Co-Founder and Deputy CEO Martin Taylor predicts that 2024 will catapult efficiency as a priority for credit unions as they seek ways to pay for an expanded menu of delivery channels.
Site Search | CU Management
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The Spirit of the Tongass: People, Like Trees, Stand Strongest Together
6 minutes Tongass FCU partners with locals to bring financial services to remote areas of Alaska. Lead photo at top of this article courtesy Tongass Federal Credit Union: Kenny Bean, microsite associate for Tongass FCU points to the "Spirit of the Tongass" credit union logo in Kake, Alaska. Directly above, logo close-up: Tongass FCU was named for the largest forest in the United States, the 17 million-acre Tongass National Forest, which encompasses almost all of Southeast Alaska.
Tech Time: Why Modernization Should Include Leadership and Technology
3 minutes Georgia United CU’s digital transformation strategy was developed with a member-centric focus and room for creativity. Roughly four out of five financial institutions plan to increase their technology spend over the next two years. As more credit unions focus on modernization efforts, it’s important they make the most of these investments. Credit unions are building technology plans around the people and communities they serve.
CUSO Makes Charitable Giving Easy and Fee-Free
4 minutes NetGiver app allows members to make safe, secure and direct donations to nonprofits. In 2019, more than $18 billion was lost from charitable donations to credit card and platform fees. Credit unions built NetGiver to solve that problem. NetGiver, a Minneapolis-based credit union service organization founded in 2019, is an easy-to-use mobile app that allows individuals to make safe, secure and direct donations to any nonprofit nationwide, fee-free.
Why manufactured home loans should be a part of your affordable lending strategy
Finding a way to offer these loans is not out of reach. Doing so can help members fulfill their dreams. The housing shortage continues to plague the market. Many credit union members need affordable housing options, yet few exist. These members are stuck with increasing living expenses, a need to save for a down payment for a home, and housing prices that continue to climb. Buying a home often seems not just out of reach, but impossible.
Breaking Down Barriers
15 minutes Some obstacles aspiring female leaders face may be self-imposed. Before women can shatter the glass ceiling, they may need to take a sledgehammer to walls of their own making. In a recentHarvard Business Review article, Herminia Ibarra, Robin Ely and Deborah Kolb write that “the fragile process of coming to see oneself, and to be seen by others, as a leader … involves a fundamental identity shift” for many women.
Missing Their Targets
5 minutes How managers can respond to employee performance problems. Do you have a burning sales, coaching, employee performance or service question? In our new column, Michael Neill, CSE, will take your questions and offer his best advice. Neill is president of Michael Neill & Associates, Franklin, Tenn., and a CUES strategic partner in offering ServiStar. Thank you for your question. You are not alone. I hear this from many institutions.
7 Characteristics of a Highly Successful Leader
3 minutes In which of these do you excel? What do you need to work on? Intelligence isn’t a replacement for high character. Successful organizations have leaders who are not only functionally proficient—but more importantly—are leaders who have developed necessary characteristics to empower employees and develop sustainable organizations.
Effectively Deploying Non-Maturity Deposits
3 minutes Match likely durations of deposits and assets as part of ALM modeling. One of the most relevant issues involving the funding side of your balance sheet is determining how to effectively deploy non-maturity deposits, or deposit accounts with no stated maturity, to fund assets by roughly matching holdings on both sides of the balance sheet. Yes, I’m aware that non-maturity deposits are already being used to fund the asset side of the balance sheet.
Integrated Branding
9 minutes The devil is in the details. Yogi Berra once said “If you don’t know where you’re going, you might wind up someplace else.” This sentiment works well to explain the tenets of integrated branding. If you don’t manage your brand, the marketplace will manage it for you. When it comes to integrated branding, the devil is most certainly in the details.
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