Living Strategy
Stress-Testing Your Business Model: How to Leverage Scenarios
Learn how to implement a "Strategic Wind Tunnel" to stress-test your credit union's operations against high-impact scenarios and build a resilient planning process.
Strategic Realignment: Rethinking the Business Model Canvas in an Unaffordable Housing Market
As homeownership grows increasingly out of reach for younger demographics, credit union leaders must evaluate whether their business model canvas relies too heavily on mortgage lending at the expense of member relevance.
The Delinquency of Democracy: What Collections Can Teach Us About Member Voting
Why do credit unions chase late loan payments in 48 hours but send just one email for board elections? Discover how to apply systematic diligence to member voting.
Event Announcement: 2026 Reaching Your Members in the 21st Century Conference
Glatt Consulting founder Tom Glatt will serve as MC at the Reaching Your Members in the 21st Century Conference in Scottsdale, AZ, and present on building a sales-focused credit union.
Escaping the Predict and Control Trap: Reflections from Lake Tahoe
Glatt Consulting founder Tom Glatt shares key takeaways from the 2026 Directors Critical Skills Conference, exploring how credit unions can escape the Predict and Control trap.
Event Announcement: 2026 National Director's Roundtable Conference
Glatt Consulting founder Tom Glatt will serve as MC at the National Director's Roundtable Conference in Las Vegas. He will also lead a pre-conference workshop on governance systems and present on the psychology of risk.
Balancing Mission and Math: The WeDevelopment FCU Analysis
A compelling community mission cannot override the mathematical reality of business model sustainability. Read the financial analysis of WeDevelopment FCU's recent NCUA conservatorship.
Glatt Consulting Weekly: The 18,000-Foot Baseline and True Identity
I'm back from the Himalayas! This week, I'm sharing lessons on risk from Everest Base Camp, the Q1 2026 HealthScore data, and why leaning into your true identity is your best strategic anchor.
The 18,000-Foot Baseline: Everest Base Camp and the Psychology of Risk
The decision to hike to Everest Base Camp is driven by deeply rooted psychological DNA. Glatt Consulting's founder shares his personal Risk Type Compass data and the reality of the Himalayas.
Q1 2026 CU HealthScore: The Capital Fortress vs. Structural Headwinds
The Q1 2026 CU HealthScore data reveals a complex tale of two balance sheets. While capital reserves remain strong, credit unions face structural headwinds in loan volume and membership growth.
The AI Delegation Mandate: Preparing for the Agentic Workforce
Anthropic recently advised the banking industry to "stop prompting and start delegating." Learn how credit unions can use a Living Strategy to absorb the shift to an agentic AI workforce.
The Whistleblower Gap: Owning Your Internal Reporting Architecture
The NCUA encourages credit union employees to use its Fraud Hotline. Discover why relying on an external regulator is a governance failure, and how boards must own their internal whistleblower architecture.
The $1 Billion Illusion: Separating Merger Narrative from Financial Reality
When two local credit unions merge to hit the $1 billion mark, the public narrative often masks a harsh financial reality. We break down the data behind a defensive consolidation.