Credit Union Exam Solutions Presents With Flying Colors

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/COMMERCIAL CREDIT RISKS Rising commercial credit risks - Why regulators are worried Work-from-home impact on commercial real estate Rate shock reality: 3-4% loans resetting to 6-7%Minneapolis downtown real estate down 25% CECL forecasting challenges and provision expensesNCUA's hyperfocus on annual review processes Empty office buildings near NCUA headquarters

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Episode SummaryIn this episode of With Flying Colors, I’m joined by two longtime friends and former NCUA colleagues — John McKechnie and Geoff Bacino — for a candid roundtable on the latest twists at the agency and across the credit union movement.From the legal limbo over NCUA board seats to the agency’s shrinking staff and the Supreme Court case that could reshape presidential power, we dig into what it all means for your credit union. We also cover the leadership change at America’s Credit Unions, the future of CFPB oversight, and what to expect from NCUA’s upcoming strategic planning town hall.And yes — we wrap up with some NFL predictions (with John’s Ravens, Geoff’s Bears, and my Vikings all getting their fair share of good-natured ribbing).What You’ll Learn in This EpisodeThe latest on the NCUA board shake-up: Harper, Ska, Trump, and the courtsHow the Humphrey’s Executor Supreme Court case could upend federal regulatory appointmentsWhat NCUA’s staff buyouts and hiring freeze mean for supervision and examinationsWhy communication between credit unions and regulators is more critical than everInsights on America’s Credit Unions’ new CEO Scott Simpson and what his leadership could signalThe future of CFPB oversight and how credit unions should prepare for the next compliance pendulum swingWhy the upcoming NCUA strategic planning town hall is a chance for credit unions to speak upSome football predictions to lighten the mood — Ravens, Bears, and Vikings fans, take note

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www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/NCUA recently posted new guidance on how to start an exam efficiently — and for many credit unions, it couldn’t come at a better time.In this episode of With Flying Colors, Mark Treichel is joined by Todd Miller, Steve Farrar, and Dennis Bauer to break down what’s in the guidance, why it was issued, and how credit unions can put it into practice. With over 120 years of combined NCUA and credit union leadership experience, they share practical steps to streamline exam prep, avoid duplicate requests, and manage the growing number of specialists.You’ll learn:Why NCUA may be tightening its exam process — and what’s driving the changeThe importance of a “gatekeeper” role to coordinate all examiner requestsHow offsite exams and specialist involvement can create inefficiencies (and how to counter them)The behind-the-scenes impact of staff losses and policy changes at NCUATips to avoid last-minute scrambles and make your exam go smootherWhether you’re a CEO, CFO, risk manager, or board member, this conversation will give you actionable insights to protect your time and your team’s sanity — while keeping your next exam on track.

The podcast delves into the complexities of the current interest rate environment impacting credit unions. It highlights shifts in yield curves and the effects of Federal Reserve policies and tariffs on investment strategies. Listeners learn about the growing role of Certificates of Deposit and the burden of unrealized losses in portfolios. There’s a deep dive into the burgeoning regulatory demands for stress testing, exploring how credit unions can balance compliance while managing their financial health in a volatile market.

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Todd Miller, a former NCUA employee with 34 years of expertise in credit union examinations, shares invaluable insights. He discusses the often-overlooked power of appealing not just regulatory decisions but any concerns to the regional director. The conversation navigates effective communication strategies to reduce disputes during examinations. Miller highlights the importance of clarity and interpersonal dynamics, stressing that understanding personalities can play a crucial role in resolving conflicts. Practical tips for engaging effectively with examiners are also covered.

Dive into the deceptive world of fraud schemes targeting the elderly, particularly the insidious tactics of timeshare resale fraud. Discover the alarming rise of ATM jackpotting, where criminals exploit vulnerabilities to seize control of ATMs. Learn about the sophistication of skimming devices and the universal key vulnerabilities that make these crimes possible. This discussion emphasizes the urgent need for enhanced security measures in our financial systems.

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Chaos envelops the NCUA board as recent shakeups raise questions about its future. Following President Trump's controversial firings and a court's ruling, the podcast dives into the legal drama swirling around reinstatements. Tensions were palpable during the latest board meeting, with discussions glancing off key issues like AI and staffing shortages. Unresolved challenges loom, including potential new appointments that could reshape leadership. The fate of board members remains uncertain, leaving credit unions in a precarious position.