Credit Union Exam Solutions Presents With Flying Colors

Bill Paton, a key player at Alloya Corporate Credit Union, shares insights about their groundbreaking loan participation program, which has facilitated over $3 billion in transactions. He discusses how this initiative has transformed the credit union landscape, fostering collaboration and liquidity among nearly 600 credit unions. Bill delves into the importance of compliance under NCUA regulations and the tech-driven approaches that streamline financial processes. Listeners will be intrigued by the diversity of loans available and the innovative strategies enhancing credit union growth.

Join Steve Farr, a former NCUA expert in enforcement, and Todd Miller, a seasoned examiner with 34 years at NCUA, as they delve into the complexities of organizational reviews in credit unions. They discuss the potential implications of these reviews on credit union management and operations. With personal anecdotes, they highlight the importance of proactive measures for governance compliance and the benefits of hiring experienced professionals to navigate systemic challenges. It's a must-listen for those seeking to enhance their operational strategies!

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/NCUA has reopened the Succession Planning Rule for public comment.  In this episode JT Blau and I discuss the rule and its requirements.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Presidential Power and Independent Agency Autonomy: The 2025 NCUA Board Removal CaseI. Legal and Constitutional FrameworkA Constitutional Showdown BeginsFrom "At Pleasure" to Independence: The 1978 RestructuringThe Humphrey's Executor Precedent: Protecting Independent AgenciesUnitary Executive vs. Congressional DesignThe Narrowing Path of Agency IndependenceSwan v. Clinton: The Precedent That Wasn't Quite50 Years of Respect for Fixed TermsII. The NCUA's Specific Structure and FunctionsThe Removed Regulators: Harper and OtsukaThe NCUA: A Core Financial RegulatorExecutive Function or Independent Regulation?The NCUSIF: Owned by Credit Unions, Not GovernmentThe Central Liquidity Facility: A Link to TreasuryOperating Without a QuorumFinancial Stability at StakeIII. Litigation Strategy and Broader ImplicationsSix Legal Theories for VictoryDavid vs. Goliath: The Legal TeamThe Long Road to the Supreme CourtBeyond NCUA: Implications for the Administrative State

Conservatorship: When NCUA Removes the Board & What You Need to KnowEpisode Summary:In this special episode, hosts Mark Treichel, Steve Farrar, and Todd Miller dive into the high-stakes world of NCUA conservatorships—when the agency steps in to remove a credit union’s board and take control. Drawing from their extensive experience handling some of the largest conservatorships in NCUA history, they provide insider insights on:What conservatorship means and when it happensThe role of the NCUA as both regulator and conservatorWhy NCUA often opts for conservatorship over cease-and-desist actionsThe challenges of managing a conservatorship from both a regulator’s and a credit union’s perspectiveSuccess stories and lessons learned from past conservatorshipsThe hosts reflect on the intensity, challenges, and rewards of the conservatorship process, including the balance between protecting the NCUSIF (National Credit Union Share Insurance Fund) and serving credit union members. Whether you’re a credit union executive, regulator, or industry observer, this episode delivers valuable insights into one of the NCUA’s most powerful enforcement tools.Key Quotes:🗣️ “Conservatorships are an adrenaline ride. They can be a challenge, they can be fun, they can be scary—and they can be very effective when they're appropriate.” – Mark Treichel🗣️ “Most conservatorships come down to people problems—boards and executives that can’t or won’t fix the issues.” – Todd Miller🗣️ “NCUA has to strike a balance between protecting the insurance fund and doing what’s best for the credit union’s members.” – Steve FarrarResources & Links:🔹 Learn more about NCUA conservatorships and credit union exam solutions at MarkTreichel.com🔹 Subscribe to With Flying Colors on your favorite podcast platform to stay up to date on credit union regulations and best practices.🎧 Don’t miss this deep dive into one of the most extreme actions NCUA can take—hit play now!

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/The NCUA’s boardroom has been rocked. Two board members fired. DOGE staff roaming the halls. Rumors of a regulatory consolidation swirl. In this must-hear episode, Mark Treichel is joined by former NCUA Board Member Geoff Bacino and former NCUA Congressional Affairs Director John McKechnie to unpack one of the most chaotic weeks in recent credit union regulatory history.From unprecedented dismissals to the looming question of NCUA’s independence, we cover:🔥 The removal of Todd Harper and Tanya Otsuka: What happened, what’s legal, and what’s next🛡️ What the DOGE (Department of Government Efficiency) visit to NCUA signals🧨 Are we headed for a consolidation of financial regulators?🏛️ The forgotten Supreme Court case that may decide the future of independent agencies📉 Why up to 20% of NCUA staff may exit — and what that means for credit union supervision🧠 Institutional memory, directed reassignments, and the “brain drain” risk💡 Predictions on new board nominations, and what credit unions should watch for nextWhether you’re a credit union executive, examiner, or policy junkie, this is your front-row seat to the unfolding transformation at 1775 Duke Street.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/White House press secretary Karoline Leavitt defended the firings, saying, “President Trump is the chief executive of the executive branch and reserves the right to fire anyone he wants.”Warren:“President Trump just fired two Board Members at the National Credit Union Administration in his continued attack on American consumers. This is the latest attempt by Trump to skirt the rule of law, undermine independent agencies, and illegally purge the government of those who work for the American people.”

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Episode Overview:In this episode of With Flying Colors, Mark Treichel tackles two hot topics ahead of the upcoming NCUA Board meeting:The Staff Buyout Program: With 145 FTEs already accepting voluntary separation packages—roughly 12% of NCUA's workforce—Mark explores the deeper implications. Could the agency be targeting a symbolic sub-1,000 FTE threshold? Poll results and inside intel help paint the picture.The Wildfire Relief Briefing: Mark offers context for why the interagency appraisal relief rule—issued in January—is now being briefed to the NCUA Board in April.Plus, a timely listener tip leads to a discussion of Treasury Secretary Scott Bessant’s recent remarks about reshaping regulatory culture—calling for more transparency, better tailored supervision, and a possible redefinition of "safety and soundness."📊 Topics Covered:C. Northcote Parkinson’s quote on vacuums and rumorsTriangulating NCUA’s staff reduction targetsPoll insights: 90% of listeners prioritize the buyout newsBoard dynamics and scripted briefings—what to listen for ThursdayTreasury’s evolving role in banking regulation under BessantWhy defining “unsafe and unsound” could transform CU oversight🗣️ Listener Tip of the Week: A sharp-eyed listener flagged Bessant’s speech, opening the door to a broader discussion on Main Street vs. Wall Street priorities and the future of regulatory supervision.🎧 Listen to learn:What NCUA might really be signaling with its buyout programHow upcoming briefings may reveal internal Board dynamicsWhy new rhetoric from Treasury could matter for credit unions

Episode Summary: In this episode of With Flying Colors, host Mark Treichel is joined by former NCUA capital markets expert Todd Miller to discuss the latest updates to NCUA’s Interest Rate Risk (IRR) Supervisory Framework. Following NCUA’s recent stakeholder webinar, we break down key takeaways, including changes to risk categorization, the elimination of the extreme risk rating, and how these updates impact credit unions navigating today’s economic landscape.What You’ll Learn in This Episode: ✅ The history and evolution of NCUA’s NEV framework ✅ Why NCUA eliminated the “extreme risk” category and what it means for credit unions ✅ The role of examiner judgment in assessing interest rate risk under the new guidance ✅ How credit unions can mitigate risk and avoid a Document of Resolution (DOR) ✅ The growing importance of liquidity management and how credit unions should prepare ✅ Why examiner scrutiny of IRR is increasing, despite the removal of automatic DORsKey Takeaways from the NCUA Webinar: 🔹 NCUA clarified that interest rate risk remains a top supervisory priority for 2023 and beyond. 🔹 Credit unions must demonstrate strong risk management practices to avoid regulatory action. 🔹 Liquidity risks are increasing due to rising rates and market shifts—credit unions should reassess their funding strategies. 🔹 Open communication with examiners is essential—proactive discussions can help avoid surprises.Resources Mentioned in This Episode: 📄 NCUA’s Letter to Credit Unions (22-CU-09): [Insert link if available] 🎥 NCUA’s Stakeholder Webinar on Interest Rate Risk: [Insert link if available] 🔍 Learn more about Credit Union Exam Solutions: marktretchel.comSubscribe & Stay Connected

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/A quick-hit episode this week! Mark shares thoughts on Duke’s March Madness collapse, the rise of Rodney Hood at OCC, Jim Nussle’s pending retirement, and NCUA’s buyout offers. Plus, a few takes on market volatility, sub debt approvals, and the ever-shifting dynamics at the NCUA Board.Topics Covered:Duke’s tourney loss and dynasty hateRodney Hood's possible FDIC moveJim Nussle’s retirement newsNCUA staff buyouts and exam slowdownsThe case for sub debtMarket drops and flight to quality