Executive Briefing
Executive Briefing: The Renter Economy Blind Spot
Why assuming future members will replicate historical homeownership patterns creates quiet churn, and how credit unions must adjust to capture the asset-light renter economy.
The Neobank Evolution: How Chime Moved from Interchange Arbitrage to Vertical Integration
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.
The NCUA Trap: Why "Positive" Metrics Mask Structural Vulnerabilities
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.
Special Report: Peer Group Dynamics and the Future of Credit Union Sustainability
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.
Executive Briefing: Separating Health Metrics from Strategic Performance
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.
Building the Execution Engine: How to Separate Key Health Indicators from OKRs
Learn how to separate your credit union's Key Health Indicators from strategic OKRs to cure initiative fatigue and drive execution.
Industry Update: Q2 2026 CU HealthScore Analysis
The Q2 2026 CU HealthScore analysis indicates an industry defined by strong capital reserves masking underlying growth stagnation, operational expense compression, and demographic attrition.
The Algorithmic Blind Spot: Does AI Screening Undercut the Credit Union Value Proposition?
AI applicant screening tools frequently reject highly qualified, high-character candidates for entry-level roles, undercutting the credit union value proposition.
Executive Briefing: The Hidden Friction Slowing Your Strategy
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.
Event Announcement: 2027 Director's Strategy and Credit Union Performance Conference
Tom Glatt leads a four-hour governance curriculum at the 2027 Director's Strategy and Credit Union Performance Conference this April in San Antonio.
Governing Adaptive Velocity: The Role of Risk Type and Emotional Intelligence
Improving organizational speed requires managing human behavior. Learn how Risk Type and Emotional Intelligence dictate an institution's adaptive velocity.
Defining Adaptive Velocity: The Architecture of Strategic Execution
Execution relies entirely on an institution's adaptive velocity. Learn how to locate strategic bottlenecks across the sensing, deciding, and acting phases of execution.
Governing Adaptive Velocity: Aligning the Boardroom with Strategic Speed
High executive speed stalls against slow governance. Learn how to structure board oversight to support adaptive velocity and eliminate decision latency.