Execution
In 2025, we warned that credit unions cannot feature their way out of a broken checking account model. Here is how Chime has now achieved vertical integration to solidify its market dominance.
NCUA
The NCUA Map Review asks if the industry is surviving today; the CU HealthScore asks if it is structured to thrive tomorrow. Here is why "positive" raw ratios mask deeper structural threats.
CU HealthScore
The Q2 2026 CU HealthScore data definitively demonstrates that as institutions scale, they systematically trade liquidity and asset quality for member engagement, efficiency, and growth.
The Q2 2026 CU HealthScore analysis indicates an industry defined by strong capital reserves masking underlying growth stagnation, operational expense compression, and demographic attrition.
Improving organizational speed requires managing human behavior. Learn how Risk Type and Emotional Intelligence dictate an institution's adaptive velocity.
Execution relies entirely on an institution's adaptive velocity. Learn how to locate strategic bottlenecks across the sensing, deciding, and acting phases of execution.
High executive speed stalls against slow governance. Learn how to structure board oversight to support adaptive velocity and eliminate decision latency.
Discover how credit union boards can repurpose Market Research Online Communities (MROCs) to eliminate network-bias and build a highly qualified volunteer succession pipeline.
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Top-performing credit unions treat operational health and strategic execution as distinct measurement realms. In this briefing, I analyze the Q2 2026 CU HealthScore data and explain how to align your execution engine.
Learn how to separate your credit union's Key Health Indicators from strategic OKRs to cure initiative fatigue and drive execution.
The Q2 2026 CU HealthScore analysis indicates an industry defined by strong capital reserves masking underlying growth stagnation, operational expense compression, and demographic attrition.
AI applicant screening tools frequently reject highly qualified, high-character candidates for entry-level roles, undercutting the credit union value proposition.
An organization's speed of execution is rarely constrained by a lack of data. In this briefing, I detail how human behavior and governance latency artificially slow strategic momentum.
Tom Glatt leads a four-hour governance curriculum at the 2027 Director's Strategy and Credit Union Performance Conference this April in San Antonio.
Improving organizational speed requires managing human behavior. Learn how Risk Type and Emotional Intelligence dictate an institution's adaptive velocity.
Execution relies entirely on an institution's adaptive velocity. Learn how to locate strategic bottlenecks across the sensing, deciding, and acting phases of execution.
High executive speed stalls against slow governance. Learn how to structure board oversight to support adaptive velocity and eliminate decision latency.
A casual tech tip from a 76-year-old highlights a major strategic blind spot credit union boards face when designing digital channels.
Strategic plans fail due to unmanaged behavioral friction, not bad math. Learn how to close the execution gap by aligning fixed executive Risk Types with dynamic Emotional Intelligence.
Are traditional succession methods creating a governance bottleneck? Discover why I recommend repurposing an Insight Community to build a highly scalable, qualified board pipeline.
