Credit Union Exam Solutions Presents With Flying Colors

In a revealing discussion, Todd Miller, a former NCUA employee with 34 years of experience, dives into the complexities of NCUA's examination processes. He highlights the critical role of the Examiner's Guide and the National Supervisory Policy Manual, sharing personal anecdotes on their evolution and significance for credit unions. Miller also addresses transparency issues, such as the challenges credit unions face with redacted information, and offers insights on effectively navigating regulations and working with examiners for better compliance.

In a quirky tale, the host shares a dog-sitting mishap involving two pit bulls and a less-than-stellar execution of his plans. The storytelling humorously connects to the importance of following guidelines, both in pet care and the NCUA's regulatory processes. A surprising cancellation of the NCUA's June board meeting raises eyebrows, sparking a discussion on the agency's current leadership and communication strategy. Tune in for insights on transparency and the implications for stakeholders in the credit union world!

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/NCUA requires some level of management review every exam before you see it.  We explain why and how that impacts you.

A significant downsizing at NCUA is underway, with a 25% workforce reduction that raises questions about future structure and staffing. The influence of Trump's mandate for smaller agencies is explored, alongside historical lessons from past reorganizations. The potential shift in reporting lines and decentralization may redefine how the agency operates. Legal implications of certain changes are considered, as well as the fate of various departments. Will high-value work be the priority, or will regions face the axe? A fascinating look into the future of NCUA awaits!

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/📝 Episode Summary:In this post-Memorial Day episode, Mark dives into NCUA’s latest insurance fund update with a sharp focus on CAMEL codes—and why they matter more than ever in today's regulatory landscape. With NCUA facing staffing cuts, hiring freezes, and leadership questions, your credit union's CAMEL rating may determine how much attention (or relief) you're about to get.Mark walks through key takeaways from the data, trends in ratings across credit union size categories, and why being a CAMEL 1 or 2 could lead to fewer exams—while CAMEL 3, 4, and 5 credit unions face a leaner, potentially more stressed NCUA.🔑 Key Topics Covered:Overview of NCUA's recent briefing and CAMEL code performanceDeclines in CAMEL 3s, 4s, and 5s—what’s real and what’s merger-driven?Increased risk for complex credit unions ($500M+)Impact of staffing reductions on supervision intensityWhy being a CAMEL 1 or 2 may now mean more operational flexibilityWhat Kyle Hauptman said—and didn’t say—about being the only board memberSpeculation on NCUA’s future organizational structure📌 Takeaways:CAMEL codes improved overall, but large credit unions saw some deterioration.NCUA’s downsizing and hiring freeze will shift how and when exams occur.Your credit union’s CAMEL code now plays an even bigger role in how much NCUA interacts with you.Good communication and organized documentation are essential if you're a CAMEL 3–5 credit union.The regulatory future may hinge on ongoing lawsuits and Supreme Court decisions about agency power.⭐ Support the Show:If you enjoyed the episode, please rate us 5 stars and share the podcast with your credit union colleagues. It helps us get the word out!

Discover the differences between the National Credit Union Share Insurance Fund and the Deposit Insurance Fund, and why they matter to consumers. Learn how these funds have stabilized the U.S. economy since the 1930s, especially during recent banking challenges. Explore the unique financial dynamics between credit unions and banks, including a recently approved plan to enhance reserve ratios. Finally, uncover the NCUA's investment strategies and their impact on the financial landscape.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Trump’s Workforce Cuts Hit NCUA: What’s Changing, What’s NextShow NotesIn this episode of With Flying Colors, Mark Treichel breaks down the biggest NCUA update in years — a Trump-era Executive Order has triggered a 20% voluntary staff reduction at the agency.This May 22 board briefing outlines how the NCUA will operate with fewer people, a tighter budget, and a restructured exam program — all while staying focused on its core mission.20% Staff Reduction by Year-End NCUA is cutting 250 positions — driven by Executive Order 14210.No Layoffs, All Voluntary Staff could opt for paid leave (NDRP) or a $50K incentive (NVSIP).Program Exceeded Target 297 enrolled; around 250 will actually depart — above the 217 needed.HQ Was Hit Hardest 30% of HQ staff enrolled vs. 20% in the regions — right-sizing in progress.Hiring Freeze Through July 15 Replacements limited to 1 hire for every 4 departures, only in top-priority roles.Realignment Likely Signals point to fewer departments, streamlined reporting, and a leaner structure.Extended Exam Cycles Well-run credit unions get more time between exams — up to 24 months in some cases.$75M in Budget Savings Expected in 2026 Minimal 2025 savings due to admin leave; big gains next year.Agency Admits: 'Less with Less' NCUA is trimming low-value work and asking staff for smarter, simpler workflows.Tech + Targeted Hiring Ahead Come 2026, investments in automation and skilled examiners are planned.

Todd Miller and Steve Farr, both former NCUA employees, share their extensive knowledge on document resolutions and project management for credit unions. They delve into the complexities of conservatorships, emphasizing the importance of communication during NCUA examinations. Todd and Steve discuss how the COVID-19 pandemic has created additional challenges and stress the need for transparency in project management. Their insights on balancing reporting with action and maintaining accountability offer valuable strategies for credit unions facing regulatory scrutiny.

Ryan Donovan highlights the essential role of the Federal Home Loan Bank (FHLB) system in providing liquidity to credit unions, which is crucial for community support. He discusses the historical context and mission of FHLB, emphasizing its contributions to affordable housing. The conversation compares FHLB with the Federal Reserve, illustrating their distinct functions. Donovan encourages credit unions, especially smaller ones, to join FHLB for enhanced growth and stability while nurturing member relationships.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/NCUA is hitting corporate governance hard.  In this episode we discuss why and what to do if it happens to you.