Credit Union Exam Solutions Presents With Flying Colors

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA recently posted new guidance on how to start an exam efficiently — and for many credit unions, it couldn’t come at a better time. In this episode of With Flying Colors , Mark Treichel is joined by Todd Miller, Steve Farrar, and Dennis Bauer to break down what’s in the guidance, why it was issued, and how credit unions can put it...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ INTEREST RATE ENVIRONMENT Fed policy uncertainty and tariff impacts  Yield curve normalization: -35 to +50 basis points  CD composition shift: 13% to 28% of deposits Credit unions adapting to "new normal"  Investment portfolios still 6-7% underwater  Examiner demands for enhanced stress testing  Cost vs. value of regulatory requests

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ ETAIL CREDIT PERFORMANCE  Student loan payment resumption impact Mixed economic signals across states 24 vs 26 states: unemployment trends  Generational differences in borrowing behavior  Venmo revolution: 85% of users under 40, $342B in Q1 transfers

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA's regulation define what can be appealed.  But you can appeal ANYTHING to the region.  We discuss how whey and when you might want to do it.

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ FRAUD SCHEMES [00:41:00] Timeshare resale fraud targeting elderly [00:44:00] ATM "jackpotting" - new threat explained [00:45:00] Skimming device sophistication [00:46:00] Universal key vulnerabilities

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Home Mortgage Disclosure Act (HMDA) Basics

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA in Limbo: What the Board Shakeup Means for Credit Unions Episode Date: July 28, 2025 Host: Mark Treichel Episode Summary The NCUA board is in complete chaos following President Trump's firing of board members Todd Harper and Tanya Otsuka, their court-ordered reinstatement, and subsequent legal stay. Mark breaks down the dramatic...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Global Cash Flow.  What is it and why does NCUA care?

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ ALCO committees are of paramount importance.  We take a deep dive into the nuances of this important committee and discuss Essential Reports Analysis and Risk Management

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Credit Union Roundtable: Mid-Year Risk Reports - Our Take on What it Means for CUs Episode Description In this inaugural Credit Union Roundtable episode, host Mark Treichel is joined by three industry veterans to break down the OCC's Spring 2025 risk report and what it means for credit unions. Steve Farrar, Todd Miller, and Dennis Bau...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Is your ALCO Committee structured optimally?  We can help you figure that out with this episode.

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Episode Summary: In this episode of With Flying Colors , host Mark Treichel sits down with Thomas Griswold, Managing Director at ALM First, to explore the financial forces shaping credit unions in 2025 and beyond. From balance sheet risk to liquidity pressures and loan participation strategies, Thomas shares insights into how ALM Firs...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Steve Farrar served as the VP of the CLF while at NCUA.  Nobody understands the CLF better than Steve.  In this archive episode, we deeply dive into this often misunderstood government entity.

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ There is what is required to be in a board package, what you want in your board package, what your board wants, and of course what NCUA wants.  We discuss how to satisfy NCUA.

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/  Did the Trump Firings Cause a Regulatory Crisis at the NCUA? Warren & Waters Demand Answers Episode Overview Mark Treichel breaks down the congressional response to President Trump's firing of NCUA Board members Todd Harper and Tanya Otsuka, examining letters from Senators Elizabeth Warren and Maxine Waters that question the agen...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ The National Credit Union Administration today placed Aldersgate Federal Credit Union in Marion, Illinois, into conservatorship. Member services will continue while the NCUA works to resolve issues affecting the credit union’s operations. Member deposits at Aldersgate Federal Credit Union remain protected by the National Credit Union...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA often asks what a credit union's Risk Appetite is, but doesn't provide much if any, guidance on the topic. We do.

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA staff rely heavily on the examiner guide and the National Supervision Policy Manual.  We discuss these documents and what they really mean for credit unions.

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this short and slightly offbeat solo episode, Mark shares a personal tale of dog sitting gone sideways—with two lovable pit bulls, a well-intentioned checklist, and a humbling C-minus execution grade. But the real story is what the NCUA didn't do last week. The agency quietly canceled its June board meeting and offered only a place...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA requires some level of management review every exam before you see it.  We explain why and how that impacts you.

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Episode Summary: In this episode, I dive into what NCUA might look like after its May 22nd downsizing — a 25% reduction in staff driven by Trump-era mandates for smaller government. Using clues from the agency’s own language, historical precedent, and my firsthand experience with past reorganizations, I lay out my predictions for NCUA...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ 📝 Episode Summary: In this post-Memorial Day episode, Mark dives into NCUA’s latest insurance fund update with a sharp focus on CAMEL codes—and why they matter more than ever in today's regulatory landscape. With NCUA facing staffing cuts, hiring freezes, and leadership questions, your credit union's CAMEL rating may determine how mu...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ The NCUSIF and the DIF are similar but different.  Today we do a deep dive on that and more.

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Trump’s Workforce Cuts Hit NCUA: What’s Changing, What’s Next Show Notes In this episode of With Flying Colors , Mark Treichel breaks down the biggest NCUA update in years — a Trump-era Executive Order has triggered a 20% voluntary staff reduction at the agency. This May 22 board briefing outlines how the NCUA will operate with fewer...

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Document of Resolutions can be complex or simple.  Regardless, they usually have many steps that NCUA doesn't realize, but you need to track.  We discuss the ins and outs of DOR project management in this archive episode.