Credit Union Exam Solutions Presents With Flying Colors

"Liquidity Management: Reading Between the Lines of NCUA's Latest Guidance" In this insightful episode, Mark Treichel and former NCUA Capital Markets Specialist Todd Miller analyze NCUA's April 2023 liquidity webinar and provide their expert take on the agency's current perspective on liquidity management. Episode Highlights: Todd Miller shares his 34-year experience at NCUA, including his roles a...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ For the first time in 30 years, the CAMELS rating system is being rewritten. In this episode, Mark Treichel is joined by Todd Miller and Steve Farrar — all former NCUA — to break down the proposal moving through the Federal Financial Institutions Examination Council (FFIEC) and what it means for credit unions. The headline change: Man...

This week we’re bringing back an archive episode of With Flying Colors that remains just as relevant today as when it was first recorded. I’m joined by Steve Farrar and Todd Miller , both longtime NCUA veterans and now part of my team at Credit Union Exam Solutions. Together, we break down what it means if NCUA directs your credit union to conduct an organizational review —and why this is one of t...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Mark Treichel sits down with former NCUA colleagues Steve Farrar and Todd Miller to review the credit union industry data for the quarter ending March 31, 2026. The consensus: a quiet, healthy quarter with steady capital, improving earnings, and incrementally better liquidity — alongside a few signals worth a board’s attention. The co...

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 up...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Mark Treichel hosts a Washington roundtable with John McKechnie, Geeff Bacino, and Alonzo Swann — each with deep NCUA and credit union experience — to break down the forces reshaping the agency this summer. The conversation opens with the NCUA board itself: nominee John Crews and his likely path through a Senate Banking confirmation h...

Episode Description: In this special archive episode of With Flying Colors , Mark shares valuable insights from his years of experience in credit union examination and consulting. Broadcasting straight from the beach, he breaks down the top 10 ways credit unions can avoid receiving a Document of Resolution (DOR) from the NCUA. Whether you're preparing for an exam or just looking to fine-tune your...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In May, NCUA conserved Jackson Area Federal Credit Union, and I recorded an episode saying I suspected the reported cash wasn’t real. This follow-up walks through what the public record now confirms. The institution reported about $162 million in assets and 9.2% net worth, but only 28% of assets in loans, roughly 66% in cash, and $41...

Episode Summary In this archive episode of With Flying Colors , Mark sits down with Todd Miller — longtime NCUA expert, former Director of Special Actions, and member of the CU Exam Solutions team — to break down one of the most misunderstood and under-optimized tools in credit union governance: the board package. Boards get in trouble not because they don’t care, Todd explains, but because they a...

 | WFC Classic: Rating Commercial Credit Risk — What NCUA Expects

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Episode: NCUA’s 2026–2030 Strategic Plan: What Changed and Why It Matters In this solo episode, Mark Treichel walks through NCUA’s newly released 2026–2030 Strategic Plan and compares it section by section against the prior 2022–2026 plan. The contrast tells credit union leaders exactly where the agency is going — and which of those d...

WFC Classic: Conservatorship - When NCUA Removes the Board of Directors

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Mark Treichel sits down with Rick Mumm — a 34-year NCUA veteran who spent 26 of those years in field of membership work, including bylaws, mergers, liquidations, and charter expansions — to walk through NCUA's proposed rule change on customer-client relationships in field of membership decisions. This proposal is unusual in two respec...

 | WFC Classic: — MBL Global Cash Flow & Credit Proposals — Vin Vieten

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Mark Treichel walks through NCUA’s most recent Inspector General semi-annual report to Congress, covering the April through September 2025 reporting period. Seven credit union failures occurred during the cycle, with internal fraud driving the two largest losses for a combined total of more than $16 million. Mark breaks down the fraud...

FC Classic:  So You Are A CAMELS 3 - Now What?

In this episode of With Flying Colors, Mark Treichel walks through NCUA’s May 6 conservatorship of Jackson Area Federal Credit Union of Jackson, Mississippi. Drawing on 33 years at NCUA — including responsibility for some of the agency’s largest historical conservatorships — Mark analyzes the publicly available call report data and explains why this case is unusual. The credit union reported 9.2%...

WFC Classic ALCO Part 2  & In Practice: Essential Reports Analysis and Risk Management

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this episode of With Flying Colors, Mark Treichel sits down with Travis Goodman, CFA, Principal at ALM First Financial Advisors, and Mark Sun, Portfolio Manager at ALM First, to discuss the recent launch of the ALM First Loan Fund — the first non-registered investment fund approved by the National Credit Union Administration Board...

WFC Classic governance issue and ALCO In Practice: Essential Reports, Analysis & Risk Management

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Mark Treichel is joined by Mike Macchiarola, Partner and CEO of Olden Lane, for a structured deep-dive into the most recent NCUA Annual Report. Mike organizes his analysis into seven interlocking themes — what he calls the Magnificent Seven — and the conversation walks through each one with quantitative detail and practical implicatio...

WFC Classic Episode on Appealing ANYTHING to NCUA.

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Mark is joined by Rob Johnson, president and a principal owner of c. myers, for a wide-ranging conversation on strategic planning, capital strength, and the habits separating the strongest credit unions from the rest right now.   The discussion covers: •       Why a one-year budget is already wrong by January, and why multi-year scena...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this episode of With Flying Colors, Mark Treichel breaks down NCUA’s latest proposed rule — one that would eliminate the long-standing loan participation regulation that has been in place since 2006. This is part of NCUA’s broader deregulatory push, driven in part by an executive order mandating a ten-to-one ratio of rule eliminati...

In this episode, Mark Treichel sits down with Steve Farrar and Todd Miller — both former NCUA veterans with over 60 years of combined regulatory experience — to break down exactly what a Code 4 means for your credit union, your board, and your relationships with every lender you work with. Steve spent 15 years as a Problem Case Officer on the West Coast before moving to NCUA's Division of Risk Man...