Day 2 Recap: From Boardroom Vision to Frontline Delight
Day 2 of the CU Cruise explored how to turn static strategy into a "Living System" using OKRs, and how to use hospitality principles to design frictionless, delightful member journeys.
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The ROI of Belonging: What Hospitality Teaches Credit Unions About Community
Interest rates are a commodity, but belonging is proprietary. Learn how credit unions can borrow from the hospitality industry to turn branches into community hubs and drive ultimate member loyalty.
Glatt Consulting Weekly: Strategy, Risk, and the ROI of Hospitality
We're back! This week, I'm writing to you from the Caribbean Cruise with a recap of our Day 1 sessions on why static strategy is dead. Plus, catching up on our latest insights from the new year.
Day 1 Recap: Strategy, Risk, and the ROI of Hospitality
We wrapped up Day 1 of the CU Educational Cruise. Discover why static strategy is dead, how your board's risk bias drives decisions, and why "Radical Localism" is the future of the branch.
The Subsidiary Mandate: Inside the NCUA’s New Stablecoin Blueprint
The NCUA has spoken: Direct issuance is out; CUSOs are in. As "SaveBots" begin moving billions in deposits, we analyze the new regulatory blueprint and the "Parent, Partner, or Pipe" choice facing every Board.
Systemic Risk: The $163 Million Impact of a 10% Credit Card Rate Cap
A proposed 10% interest rate cap represents a singular, exogenous shock to the credit union system. Our analysis of 80 portfolios reveals a $163 million "profitability gap" that threatens to dismantle rewards programs and force the redlining of near-prime members.
Event Announcement: Critical Skills for Credit Union Directors
Join Tom Glatt in Lake Tahoe for a comprehensive 2-day workshop. From "Financial Vital Signs" to building your "Annual Calendar," view the full curriculum here.
Strategy
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The Great Divergence: Why "Average" Metrics Are Failing Credit Unions in a K-Shaped Economy
Economic indicators show growth, but members feel stress. This is the K-Shaped economy. Relying on "average" data creates a dangerous blind spot that masks the distress of your most vulnerable members.
Glatt Consulting Weekly: The Safety Paradox
We're back from a holiday break with a look at the "Safety Paradox"—why financial health isn't enough. Plus, urgent reminders for our 2026 conference schedule.
Event Announcement: CU Director's Strategy & Performance Conference
Join Glatt Consulting in San Antonio, April 20-23, 2026. Tom Glatt will lead sessions on Strategic Partnerships, Ethical Leadership, and a deep dive into the CU HealthScore.
The Safety Paradox: Why the Industry is Safe, Sound, and Slowly Shrinking
The credit union industry is safer than ever, but it is slowly shrinking. Our Q3 2025 HealthScore analysis reveals the "Fortress Trap" and the urgent need to pivot from accumulation to deployment.
Glatt Consulting Weekly: The "Static Document Fallacy" of Governance
This week, I’m challenging the idea that governance belongs in a binder. Plus, a massive deep dive into AI strategy development and an exclusive invitation to my upcoming HealthScore briefing.