Credit Union Exam Solutions Presents With Flying Colors

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this episode of With Flying Colors , Mark Treichel speaks with Dan Prezioso, Partner at Olden Lane, about the demographic shift reshaping credit unions and why deposit competition is entering a new era. Dan shares data and insights from multiple national surveys, macro trends, and firsthand M&A activity, including: Why strategi...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ 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 troubl...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Overview In this episode, we break down the fundamentals of risk management for credit unions — what it really means, why it matters at every asset size, and how boards and executives can build a resilient framework that supports safe, sustainable growth.  blog risk appetite What We Cover The Three Pillars of Risk Management Risk Cult...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ This week on With Flying Colors , I’m joined by three longtime colleagues from my days at NCUA — John McKechnie , Alonzo Swann , and Geoff Bacino — for a lively roundtable on where the agency stands today, what’s working, and what’s at risk. Together, we revisit our shared time inside NCUA and discuss how leadership, budgets, and supe...

This is a special Archive Thursday episode of With Flying Colors . In this conversation with Steve Farrar and Todd Miller, we explore what it really means when a credit union is downgraded to a CAMEL Code 4 . We discuss the implications for NCUA supervision, administrative actions, and how examiners begin building a formal record. You’ll learn about the added burden of frequent exams, the role of...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this episode of With Flying Colors , Mark Treichel sits down with David Reed of Reed & Jolly to dive deep into the NCUA’s new succession planning rule and what it means for credit unions across the country. Too often, boards and executives focus on writing a policy—but not on the real-world practice of finding and preparing lea...

In this archive episode of With Flying Colors , host Mark Treichel welcomes Vin Vitton , retired NCUA Senior Credit Specialist and longtime commercial banker, for an insightful discussion on credit culture —what it is, why it matters, and how it shapes a credit union’s lending success. Vin draws on his unique experience working on all three sides of the desk —as a lender, borrower, and regulator—t...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this solo episode, Mark Treichel breaks down a hot topic out of Washington: a Senate proposal to raise FDIC deposit insurance coverage from $250,000 to $10 million . Backed by Treasury Secretary Scott Bessent and Senator Elizabeth Warren, the idea is gaining traction — but what would it mean for credit unions? Mark explores: Why bi...

This Archive Thursday episode of With Flying Colors revisits a timely and important topic: corporate governance . Mark is joined by former NCUA colleagues Todd Miller and Steve Farrar  to explore why governance issues are at the heart of many troubled credit unions. They cover: How poor governance can sink an institution — and how strong governance can turn it around. The importance of tone at the...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this episode of With Flying Colors , I sit down with Elizabeth Eurgubian , Partner at Atlas Advocacy and former Director of External Affairs and Communications at the NCUA. Elizabeth brings a wealth of experience spanning the Federal Reserve, CFPB, Sallie Mae, ICBA, CUNA, and her time inside the regulator’s office. We discuss: Her...

This is a special Archive Thursday episode of With Flying Colors . In this conversation with Todd Miller and Steve Farrar, we dive into what happens when a credit union is downgraded to a CAMEL Code 3 . We explore how NCUA approaches Code 3 institutions, what extra exams and follow-ups to expect, the impact of documents of resolution and regional director letters, and why boards and management mus...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this solo episode of With Flying Colors , Mark Treichel breaks down the NCUA’s proposed rule to eliminate reputation risk from its supervisory program — and the political spotlight surrounding it. Mark explains: Why the N C U A is codifying the removal of reputation risk into regulation. How codification makes the change harder to...

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/  In this episode of With Flying Colors , host Mark Treichel sits down with Scott Gladden and Kenny Ray Mitchell of Innovations Credit Union to preview the CUES Florida Council Cruise happening January 16–20, 2026 . This unique event combines professional development, networking, and a Caribbean getaway—all tailored for credit union le...

In this special archive replay of With Flying Colors , Mark Treichel is joined by his colleagues Steve Farrar and Todd Miller — both former senior leaders at NCUA — to discuss why regulators sometimes ask to meet directly with a credit union’s board of directors without management present. They break down the nuances, including: When it’s routine vs. when it’s unusual. Why NCUA may ask to meet wit...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Episode Overview: In this episode of With Flying Colors , Mark unpacks NCUA’s proposed 2026–2027 budget — a spending plan that reduces staff by 23%, cuts contractors by a third, and reshapes how credit unions will be supervised. What you’ll learn: Why NCUA’s staff will shrink to 967 employees — the lowest in over 20 years Which office...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Episode Summary In this episode of With Flying Colors , I sit down with Mark Ritter, CEO of Member Business Financial Services (MBFS) and host of Credit Union Conversations . Mark brings decades of experience in credit union business lending, having built MBFS from a three-person startup into a nationwide CUSO serving over 60 employee...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this episode of With Flying Colors , Mark Treichel breaks down the latest NCUA Board Meeting held on September 25, 2025 . With only one agenda item—the NCUA Insurance Fund briefing —the discussion still revealed several key insights that credit union leaders need to know. From CAMELS code shifts to the impact of 27% of NCUA staff t...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this episode of With Flying Colors , Mark Treichel sits down with Jason Stverak, Chief Advocacy Officer of the Defense Credit Union Council (DCUC) , to discuss the pressing issues shaping the credit union movement. Key topics covered: 🇺🇸 Veteran Business Lending Cap : Why credit unions should be free to fully support veterans and t...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Credit Unions vs. Banks: What Q2 Data Reveals In this episode of With Flying Colors , Mark Treichel is joined by Steve Farrar, Todd Miller, and Dennis Bauer to break down the latest Q2 reports from NCUA and FDIC . Together, they unpack what the numbers really mean for credit unions, banks, and the communities they serve. What you’ll l...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA's Commercial Loan Rule requires a rating system.  I discuss what it requires with Vin Vieten, author of the rule.

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Former NCUA Executive Director Mark Treichel talks with Ray Ragan, CIO of Securityplus Federal Credit Union, about taking AI beyond fraud detection and call center scripts. Ray shares how credit unions can use the NIST AI Risk Management Framework to build board-approved policies, leverage AI for strategic planning, and embrace Agenti...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ COMMERCIAL CREDIT RISKS  Rising commercial credit risks - Why regulators are worried  Work-from-home impact on commercial real estate  Rate shock reality: 3-4% loans resetting to 6-7% Minneapolis downtown real estate down 25%  CECL forecasting challenges and provision expenses NCUA's hyperfocus on annual review processes  Empty office...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Episode Summary In this episode of With Flying Colors , I’m joined by two longtime friends and former NCUA colleagues — John McKechnie and Geoff Bacino — for a candid roundtable on the latest twists at the agency and across the credit union movement. From the legal limbo over NCUA board seats to the agency’s shrinking staff and the Su...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ OPERATIONAL RISKS Cyber incident response planning essentials  Communication strategies for cyber incidents  Legacy system conversion nightmares NCUA's helpful approach to cybersecurity findings  Core system conversion best practices