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.
Tom Glatt
Tom Glatt is President of Glatt Consulting Group. With 30 years of experience, he guides credit unions at the intersection of strategy, governance, and performance. He is the architect of The Living Playbook Series and an avid mountaineer.
Execution
Re-Architecting the Credit Union Value Proposition for the Renter Economy
If your credit union requires a mortgage balance to waive checking fees, you are structurally excluding the next generation of members. Here is how to capture the Renter Economy.
Board Governance
Engineering the Boardroom: Key Takeaways from the 2026 Directors Roundtable
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
Executive Briefing: Beyond Regulatory Safety and the Neobank Threat
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
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.
NCUA
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.
CU HealthScore
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
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.
Strategy
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.
CU HealthScore
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.
Human Resources
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
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.