Credit Union Exam Solutions Presents With Flying Colors

Set up a call:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Check out our website:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Are 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 expertiseWith 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.Exploring the FHFA 100 Year Report and its Impact on the Council of Federal Home Loan BanksIn this episode of 'With Flying Colors', Mark Treichel hosts Ryan Donovan, the CEO of the Council of Federal Home Loan Banks. They discuss the recently released FHFA 100 Year Report on federal home loan banks and Ryan's key takeaways from it. They delve into the feedback processes that led to the report, noting that stakeholders predominantly want more from the home loan bank system. The report offers about 50 recommendations which according to Ryan, might take a decade to implement. They address regulatory changes, highlighting the importance of clarity for members and potential changes that may slow down the liquidity process. Ryan emphasizes that the report has not changed anything as they are only recommendations, and he urges member credit unions to engage in the policy-making process to ensure their interests are represented.00:35 Introduction and Guest Introduction00:53 Discussion on the FHFA 100 Year Report01:35 Insights on the Report's Development Process03:34 Implications of the Report's Recommendations04:51 Potential Legislative Changes07:16 Impact on Affordable Housing and Community Development09:30 Rulemaking Recommendations and Concerns17:40 Supervisory Process and its Potential Impact19:52 Closing Remarks and Call to Action22:35 Conclusion and Sign OffReach Ryan at:https://www.linkedin.com/in/ryan-donovan-4541a2/The Council of FHLB's Page:https://www.linkedin.com/company/council-of-federal-home-loan-banks/Reach Marktreichel at:https://www.linkedin.com/in/mark-treichel/www.marktreichel.com

Set up a call:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Check out our website:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Are 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 expertiseWith 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.The episode covers the potential economic risks for credit unions, with a focus on the increases in Camel Code 3s. Mark Treichel recaps NCUA Chairman Todd Harper's warning about high levels of interest rate risk, liquidity risks, and asset quality deterioration. Also discussed are trends in Camel Code ratings, credit union safety and soundness, and the necessary reserves in anticipation of potential cash payouts. The episode also delves into a discussion about NCUA's budgeting, exploring views on the shifting of resources from safety and soundness to consumer compliance.00:00 Introduction and Overview00:15 The Rise in Total Assets for Composite Campbell's Code 3 Billion Plus Credit Unions01:13 Introduction to the Podcast Host01:42 The NCUA Board Meeting and the State of the Chair Insurance Fund02:14 The Increase in Dollars in Complex Credit Unions03:12 The Impact of Large Credit Unions with a Code 3 on the Insurance Fund03:39 The Share Insurance Fund's Performance in the Third Quarter of 202304:44 The Rising Risks within the Credit Union System05:05 The Impact of Federal Student Loan Repayments, Rising Costs for Property and Casualty Insurance05:57 The Growth of Insured Shares in Camel's Code 3 Credit Unions06:39 The NCUA's Monitoring of Credit Union Performance and Mitigation of Risk08:11 The NCUA's Methodology for Reserving for Potential Losses for the Share Insurance Fund12:31 The Impact of Becoming a Code 3 or Code 414:15 The NCUA's Budget and Its Impact on Credit Unions17:02 Conclusion and Final Thoughts

Set up a call:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Check out our website:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Are 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 expertiseWith 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.CUNA and NAFCU members voted to approve the merger of the two trade associations into one - beginning January 1, 2024.I chat with John McKechnie and Geoff Bacino about what it means and what we don't yet know about the merger.https://www.nafcu.org/newsroom/cuna-and-nafcu-members-approve-merger-form-americas-credit-unions

Set up a call:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Check out our website:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Are 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 expertiseWith 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 I check in with Lenwood Brooks' as he ends his tour with NCUA where he served as Chief of Staff to Rodney Hood.

Set up a call:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Check out our website:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Are 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 expertiseWith 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 has released its draft budget for 2024.   It calls for the conversion of examiners to specialists, most notably consumer compliance specialists.  How will this impact your exam?  Listen for the details.

Set up a call:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Check out our website:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Are 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 expertiseWith 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.Today's guest is Chris Tissue from CU Collaborate. Chris and Mark discuss their work on getting a large community charter expansion for Dade County Federal Credit Union. This was the first and only NCUA-approved community charter expansion that required a public hearing due to its size. The public hearing process begins when a federal credit union asks to serve a specific local community. The proposed community must have a population of at least 2.5 million and include more than one political jurisdiction. Join this valuable conversation to find out more about this community charter expansion. You can download a case study on the process here:https://www.cucollaborate.com/credit-union-research/dade-county-fcu-case-studywww.cucollaborate.com

Set up a call:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Check out our website:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Are 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 expertiseWith 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.I love the podcast called Crypto Critics Corner. Their coverage of the Sam Bankman-Fried Trial is very entertaining.It's like driving by an ambulance ... you go slow.I highly recommend you give it a listen. Fried to Testify:per linkedin:Sam Bankman-Fried, founder of the failed crypto exchange FTX, has decided to take the stand as early as Thursday in his criminal fraud trial. The move, announced Wednesday by his lawyers, appears to be a last-ditch attempt to salvage Bankman-Fried's defense, but it's a risky one, as it will expose him to cross-examination by federal prosecutors. It follows damaging testimony by former colleagues who have pleaded guilty to fraud and cooperated with prosecutors.Another factor in the decision to have Bankman-Fried testify is that lawyers have been able to restore his access to the ADHD drug Adderall. They claimed he wouldn't be able to "meaningfully participate" without it.

Set up a call:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Check out our website:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Are 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 expertiseWith 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 Chairman Harper often speaks to the need for Congress to enhance the CLF.That being said if more credit unions joined the impact would be substantial. In this episode former CLF Vice President Steve Farrar explains the nuances of the CLF.

Set up a call:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Check out our website:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Are 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 expertiseWith 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.At the October 19. 2023 NCUA Board Meeting, the Board approved two proposed rules.The board press release follows:

Set up a call:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Check out our website:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Are 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 expertiseWith 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.Today I chat with Joe Goldberg who was in charge of Consumer Compliance at NCUA and we discuss all things related to HMDA.In 33 years at NCUA I served as Executive Director, Regional Director, Director of Special Actions, Supervisory Examiner, and Principal Examiner. I began at the ground level as an examiner. I rose to the top. As Executive Director I supervised your Regional Director. I know how NCUA thinks and why they think it. I know the examination process inside and out. I know how to communicate and negotiate with NCUA. I know how to get NCUA to YES instead of NO. I can help if you are currently dealing with or thinking about:An examination that did not go as well as you hopedAn Examination that is in process right nowAn examination that is coming soonResponding to an NCUA or state examinationAssessing a letter to you from your Regional Director or State RegulatorSeeking NCUA or State Regulator approval for an action you desire to takeAssessing actions you will take in response to a Document of ResolutionReceiving a Letter of Understanding and AgreementDocument of Resolution (DOR) IssuesExaminer FindingsSupplementary FactsCAMEL Code DowngradesCapital AdequacyAsset QualityManagement CodeEarningsLiquidity CodeSensitivity CodeCommercial Lending MBL IssuesInterest Rate Risk (IRR)Net Economic Value (NEV)Secondary CapitalSubordinated DebtExit Conference / Joint Conference ChallengesFair Lending Exam IssuesField of Membership (FOM) ExpansionsCECL IssuesAppealsReputation RiskNet Worth Restoration Plans (NWRP)Credit riskInterest rate riskLiquidity riskTransaction riskStrategic riskReputation riskCompliance riskNCUA's Large Credit Union ProgramTransition to the Office of National Examinations and Supervision (ONES)CFPBStrategic PlanningSafety and SoundnessSupervisory CommitteeCorporate GovernanceBank Secrecy Act (BSA)NCUA Examination PrioritiesNCUA's Examination GuideNational Supervision Policy ManualBank PurchasesLetters to Credit UnionsNCUA Regulations Reach out today to discuss how I can assist you and your credit union.