Board Governance
Boards often try to solve structural problems with personality, and human execution breakdowns with static manuals. Here is the blueprint for engineering the boardroom and aligning risk psychology.
Executive Briefing
An expanded look at credit union performance through the CU HealthScore model, alongside an examination of how Chime is reshaping the competitive playing field through vertical integration.
Execution
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 Q2 2026 CU HealthScore analysis indicates an industry defined by strong capital reserves masking underlying growth stagnation, operational expense compression, and demographic attrition.
Improving organizational speed requires managing human behavior. Learn how Risk Type and Emotional Intelligence dictate an institution's adaptive velocity.
Execution relies entirely on an institution's adaptive velocity. Learn how to locate strategic bottlenecks across the sensing, deciding, and acting phases of execution.
High executive speed stalls against slow governance. Learn how to structure board oversight to support adaptive velocity and eliminate decision latency.
Discover how credit union boards can repurpose Market Research Online Communities (MROCs) to eliminate network-bias and build a highly qualified volunteer succession pipeline.
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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.
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.
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.
Learn how to separate your credit union's Key Health Indicators from strategic OKRs to cure initiative fatigue and drive execution.
The Q2 2026 CU HealthScore analysis indicates an industry defined by strong capital reserves masking underlying growth stagnation, operational expense compression, and demographic attrition.
AI applicant screening tools frequently reject highly qualified, high-character candidates for entry-level roles, undercutting the credit union value proposition.
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.
Tom Glatt leads a four-hour governance curriculum at the 2027 Director's Strategy and Credit Union Performance Conference this April in San Antonio.
Improving organizational speed requires managing human behavior. Learn how Risk Type and Emotional Intelligence dictate an institution's adaptive velocity.
Execution relies entirely on an institution's adaptive velocity. Learn how to locate strategic bottlenecks across the sensing, deciding, and acting phases of execution.
High executive speed stalls against slow governance. Learn how to structure board oversight to support adaptive velocity and eliminate decision latency.
A casual tech tip from a 76-year-old highlights a major strategic blind spot credit union boards face when designing digital channels.
