Consulting Services
We provide expert, hands-on guidance for credit union boards and leaders in three core, interconnected areas: Strategic Planning, Performance Analysis (CU HealthScore), and Modern Governance.
The Integrated System for Credit Union Leadership
Your strategy, performance, and governance are one interconnected system, not separate challenges. We provide the expert guidance and proprietary CU 360 platform to unify these silos into a single "Living System" for success.
Glatt Consulting Solutions
CU 360
CU 360 is the strategic command center for credit union leadership. It's the only platform that unifies your strategic plan, board governance, and real-time financial performance (CU HealthScore) into a single, living system.
Latest
Strategy
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How Resilient is Your Plan? A Framework for CU Strategy
The 'old playbook' for CU strategy is failing. At the 2025 Reaching Your Members conference, Tom Glatt shared a 3-part framework for moving from a static plan to a truly resilient model.
The Transformative Impact of Stablecoins
A strategic update for CU leaders on the new realities of the GENIUS Act, RWA tokenization, and the immediate threat of Agentic AI. Understand the new landscape and get the 6-step action plan.
Strategy
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The Lifecycle vs. The Snapshot: Is Your Business Model Built for a Moment in Time?
Chipotle’s model was built for a "snapshot" of a customer, not their "lifecycle." When the customer changed, the model broke. This is the same trap many credit unions fall into.
Glatt Consulting Weekly - November 4, 2025
This week, we explore why employee burnout is a crisis of purpose, not perks. Plus, insights on the new commerce stack, organizational strategy, and two key sessions I'm delivering at the Reaching Members Conference.
Strategy
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Your Member Is Already Elsewhere: Why Embedded Finance is a Strategic Imperative
Your members are already on other platforms. Embedded finance is a strategic imperative to go to them, leveraging your trust and charter in a new B2B2C business model.
Strategy
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Why Chime is Winning the Checking Account War (And What Credit Unions Get Wrong)
Chime is winning the checking account war, not with features, but with a superior, non-punitive business model built on interchange. Why are credit unions failing to compete?
Strategy
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Employee Happiness Isn't a Perk. It's a Strategic Outcome.
Credit unions are spending fortunes on wellness perks to fix burnout. But the cure for burnout isn't a perk; it's a purpose. Learn why employee happiness is a strategic outcome, not an HR initiative.
Strategy
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The New Commerce Stack: How AI and Payment Protocols Are Engineering Financial Institutions Out of the Customer Relationship
In the last 48 hours, the future of e-commerce and digital banking was revealed. It did not come from a
Strategy
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Is Your Organizational Structure Sabotaging Your Strategy?
In strategic planning sessions across the country, credit union leadership teams build ambitious roadmaps for the future. They chart out
Reputation Risk Isn't Gone, It's Yours: A Board's Guide Post-NCUA Shift
The NCUA recently announced a significant shift in its supervisory framework: it will cease using "reputation risk" as
Strategy
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Open Banking: Reshaping Your Credit Union's Business Model
The concept of "open banking"—giving members control over their own financial data—is rapidly moving from regulatory
Strategy
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The New Normal: Why a Flat Remote Work Trend Is a Powerful Strategic Signal
In a previous article, we explored groundbreaking research showing that top talent places a high monetary value on workplace flexibility.