# Glatt Consulting
> Strategic advisory for credit union CEOs and boards. We deliver structural frameworks, insights, and analytics across strategy, governance, leadership, and performance.
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## Pages
- [About Us](https://www.glattconsulting.com/about-us.md) - Learn about Glatt Consulting, our founder Tom Glatt, and our mission. We provide expert, integrated guidance to credit union leaders in strategy, performance (CU HealthScore), and governance, backed by leadership dynamics (RTC, EQ-i) and the CU 360 platform.
- [Contact Us](https://www.glattconsulting.com/contact-us.md) - Schedule a private consultation to discuss how our integrated system for strategy, performance, and governance can help your credit union's leadership team.
- [CU HealthScore](https://www.glattconsulting.com/cu-healthscore.md) - Get your free, validated 1-10 CU HealthScore. Our platform provides instant, full-featured access with zero manual data entry. Benchmark your credit union's financial health against any peer group.
- [Events](https://www.glattconsulting.com/events.md) - See where our experts are speaking. A list of upcoming and past speaking engagements on credit union strategy, financial health, and modern governance.
- [Governance](https://www.glattconsulting.com/governance.md) - We partner with credit union boards to replace the "binder on the shelf" with a "Living System" of governance—a proactive, auditable framework that elevates oversight and turns your board into a strategic asset.
- [Leadership](https://www.glattconsulting.com/leadership.md) - Living Leadership: Optimizing Human Architecture Utilize scientifically validated psychometrics to eliminate structural friction and build executive teams capable of handling your ambition. Aligning Human Architecture with Strategic Intent. Strategic plans and governance frameworks rely on the lead…
- [Privacy Policy](https://www.glattconsulting.com/privacy-policy.md) - Read our commitment to your data privacy and professional confidentiality. We explain how we use data from Ghost, Softr, and Google, and our strict policy of not sharing client information.
- [Consulting Services](https://www.glattconsulting.com/services.md) - 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.
- [Strategy](https://www.glattconsulting.com/strategy.md) - We move you beyond static plans. Our expert facilitators help credit union leadership build resilient, actionable strategies using OKRs and innovation frameworks.
- [Terms of Use](https://www.glattconsulting.com/terms-of-use.md) - Please review the Terms of Use for the Glatt Consulting website, including our intellectual property rights, disclaimers, and governing law.
- [Thank you](https://www.glattconsulting.com/thank-you.md) - A confirmation page for your inquiry.
- [Tom Glatt](https://www.glattconsulting.com/tom-glatt.md) - Meet Tom Glatt, founder of Glatt Consulting and strategic advisor to credit union executives and boards nationwide.
- [Welcome](https://www.glattconsulting.com/welcome.md) - Get your complimentary guides, frameworks, and playbooks for credit union strategy, governance, and performance.

## Posts
- [The Algorithmic Blind Spot: Does AI Screening Undercut the Credit Union Value Proposition?](https://www.glattconsulting.com/the-algorithmic-blind-spot-does-ai-screening-undercut-the-credit-union-value-proposition.md) - 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](https://www.glattconsulting.com/executive-briefing-the-hidden-friction-slowing-your-strategy.md) - 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](https://www.glattconsulting.com/event-announcement-2027-directors-strategy-and-credit-union-performance-conference.md) - 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](https://www.glattconsulting.com/governing-adaptive-velocity-the-role-of-risk-type-and-emotional-intelligence.md) - 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](https://www.glattconsulting.com/defining-adaptive-velocity-the-architecture-of-strategic-execution.md) - 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](https://www.glattconsulting.com/governing-adaptive-velocity-aligning-the-boardroom-with-strategic-speed.md) - High executive speed stalls against slow governance. Learn how to structure board oversight to support adaptive velocity and eliminate decision latency.
- [Founder's Note: AirPods, Age Gaps, and the Digital Native Myth](https://www.glattconsulting.com/founders-note-airpods-age-gaps-and-the-digital-native-myth.md) - A casual tech tip from a 76-year-old highlights a major strategic blind spot credit union boards face when designing digital channels.
- [Executive Behavior as a Strategic Asset: Bridging the Gap Between Risk Type and EQ](https://www.glattconsulting.com/executive-behavior-as-a-strategic-asset-bridging-the-gap-between-risk-type-and-eq.md) - Strategic plans fail due to unmanaged behavioral friction, not bad math. Learn how to close the execution gap by aligning fixed executive Risk Types with dynamic Emotional Intelligence.
- [Executive Briefing: The "Waiting Room" Problem in Board Succession](https://www.glattconsulting.com/executive-briefing-the-waiting-room-problem-in-board-succession.md) - Are traditional succession methods creating a governance bottleneck? Discover why I recommend repurposing an Insight Community to build a highly scalable, qualified board pipeline.
- [The Associate Board Member Bottleneck: Architecting a Scalable Succession Pipeline](https://www.glattconsulting.com/the-associate-board-member-bottleneck-architecting-a-scalable-succession-pipeline.md) - Associate Board Member programs often function as stagnant waiting rooms rather than active pipelines. Discover how Insight Communities offer a scalable alternative for credit union succession planning.
- [Rethinking Board Succession: Leveraging Insight Communities for Volunteer Pipelines](https://www.glattconsulting.com/rethinking-board-succession-leveraging-insight-communities-for-volunteer-pipelines.md) - Discover how credit union boards can repurpose Market Research Online Communities (MROCs) to eliminate network-bias and build a highly qualified volunteer succession pipeline.
- [Founder's Note: The Working Practitioner vs. The Full-Time Speaker](https://www.glattconsulting.com/founders-note-the-working-practitioner-vs-the-full-time-speaker.md) - Why I intentionally cap my speaking calendar to a few events a year, and the vital difference between a full-time speaker and a working practitioner.
- [Stress-Testing Your Business Model: How to Leverage Scenarios](https://www.glattconsulting.com/stress-testing-your-business-model-how-to-leverage-scenarios.md) - Learn how to implement a "Strategic Wind Tunnel" to stress-test your credit union's operations against high-impact scenarios and build a resilient planning process.
- [Redefining Personal Service: Incorporating Agentic AI into Your Business Model](https://www.glattconsulting.com/redefining-personal-service-incorporating-agentic-ai-into-your-business-model.md) - As consumers share deeper financial context with AI agents, credit unions must decouple personal service from traditional channels and re-architect their Business Model Canvas.
- [The Operational Reality of De Novo Charters: Examining the Closure of African Diaspora FCU](https://www.glattconsulting.com/the-operational-reality-of-de-novo-charters-examining-the-closure-of-african-diaspora-fcu.md) - The rapid liquidation of African Diaspora FCU highlights the critical need to validate your business model. Learn the strategic and governance mandates required to avoid institutional failure.
- [AI is Not a Strategy: Realigning the Left Side of the Business Model Canvas](https://www.glattconsulting.com/ai-is-not-a-strategy-realigning-the-left-side-of-the-business-model-canvas.md) - Credit unions often mistake AI for a core strategy. Learn how to correctly position artificial intelligence on the left side of your Business Model Canvas to accelerate operational efficiency.
- [Strategic Realignment: Rethinking the Business Model Canvas in an Unaffordable Housing Market](https://www.glattconsulting.com/strategic-realignment-rethinking-the-business-model-canvas-in-an-unaffordable-housing-market.md) - As homeownership grows increasingly out of reach for younger demographics, credit union leaders must evaluate whether their business model canvas relies too heavily on mortgage lending at the expense of member relevance.
- [The Delinquency of Democracy: What Collections Can Teach Us About Member Voting](https://www.glattconsulting.com/the-delinquency-of-democracy-what-collections-can-teach-us-about-member-voting.md) - Why do credit unions chase late loan payments in 48 hours but send just one email for board elections? Discover how to apply systematic diligence to member voting.
- [Event Announcement: 2026 Reaching Your Members in the 21st Century Conference](https://www.glattconsulting.com/event-announcement-2026-reaching-your-members-in-the-21st-century-conference.md) - Tom Glatt serves as MC and leads two strategic sessions at the 2026 Reaching Your Members in the 21st Century Conference this November.
- [Escaping the Predict and Control Trap: Reflections from Lake Tahoe](https://www.glattconsulting.com/escaping-the-predict-and-control-trap-reflections-from-lake-tahoe.md) - Glatt Consulting founder Tom Glatt shares key takeaways from the 2026 Directors Critical Skills Conference, exploring how credit unions can escape the Predict and Control trap.
- [Event Announcement: 2026 National Director's Roundtable Conference](https://www.glattconsulting.com/event-announcement-2026-national-directors-roundtable-conference.md) - Glatt Consulting founder Tom Glatt will serve as MC at the National Director's Roundtable Conference in Las Vegas. He will also lead a pre-conference workshop on governance systems and present on the psychology of risk.
- [Balancing Mission and Math: The WeDevelopment FCU Analysis](https://www.glattconsulting.com/balancing-mission-and-math-the-wedevelopment-fcu-analysis.md) - A compelling community mission cannot override the mathematical reality of business model sustainability. Read the financial analysis of WeDevelopment FCU's recent NCUA conservatorship.
- [Glatt Consulting Weekly: The 18,000-Foot Baseline and True Identity](https://www.glattconsulting.com/glatt-consulting-weekly-the-18-000-foot-baseline-and-true-identity.md) - I'm back from the Himalayas! This week, I'm sharing lessons on risk from Everest Base Camp, the Q1 2026 HealthScore data, and why leaning into your true identity is your best strategic anchor.
- [The 18,000-Foot Baseline: Everest Base Camp and the Psychology of Risk](https://www.glattconsulting.com/the-18-000-foot-baseline-everest-base-camp-and-the-psychology-of-risk.md) - The decision to hike to Everest Base Camp is driven by deeply rooted psychological DNA. Glatt Consulting's founder shares his personal Risk Type Compass data and the reality of the Himalayas.
- [Q1 2026 CU HealthScore: The Capital Fortress vs. Structural Headwinds](https://www.glattconsulting.com/q1-2026-cu-healthscore-the-capital-fortress-vs-structural-headwinds.md) - The Q1 2026 CU HealthScore data reveals a complex tale of two balance sheets. While capital reserves remain strong, credit unions face structural headwinds in loan volume and membership growth.
- [The AI Delegation Mandate: Preparing for the Agentic Workforce](https://www.glattconsulting.com/the-ai-delegation-mandate-preparing-for-the-agentic-workforce.md) - Anthropic recently advised the banking industry to "stop prompting and start delegating." Learn how credit unions can use a Living Strategy to absorb the shift to an agentic AI workforce.
- [The Whistleblower Gap: Owning Your Internal Reporting Architecture](https://www.glattconsulting.com/the-whistleblower-gap-owning-your-internal-reporting-architecture.md) - The NCUA encourages credit union employees to use its Fraud Hotline. Discover why relying on an external regulator is a governance failure, and how boards must own their internal whistleblower architecture.
- [The $1 Billion Illusion: Separating Merger Narrative from Financial Reality](https://www.glattconsulting.com/the-1-billion-illusion-separating-merger-narrative-from-financial-reality.md) - When two local credit unions merge to hit the $1 billion mark, the public narrative often masks a harsh financial reality. We break down the data behind a defensive consolidation.
- [What the 2026 Gallup Workplace Report Means for Credit Union Strategy](https://www.glattconsulting.com/what-the-2026-gallup-workplace-report-means-for-credit-union-strategy.md) - The 2026 Gallup Workplace report reveals plummeting manager engagement and an AI productivity paradox. Discover why emotional intelligence and ruthless strategic prioritization are the only fixes for credit unions.
- [Glatt Consulting Weekly: Stabilizing Health vs. Structural Challenges](https://www.glattconsulting.com/glatt-consulting-weekly-stabilizing-health-vs-structural-challenges.md) - The Q4 2025 CU HealthScore data is here. We explore why stabilizing industry health is masking a structural growth challenge. Plus, what a blues legend can teach us about strategy, and why a rulebook won't fix Gen Z.
- [Q4 2025 CU HealthScore: Industry Health Stabilizes, But Structural Growth Challenges Remain](https://www.glattconsulting.com/q4-2025-cu-healthscore-industry-health-stabilizes-but-structural-growth-challenges-remain.md) - The Q4 2025 CU HealthScore data reveals stabilizing industry health driven by strong capital, but stagnant membership and loan growth pose structural challenges for the future.
- [The Mountaintop Strategy: What a Blues Legend Teaches Us About the Member Journey](https://www.glattconsulting.com/the-mountaintop-strategy-what-a-blues-legend-teaches-us-about-the-member-journey.md) - What does a blues guitar legend have to do with credit union strategy? After seeing Eric Gales live, Tom Glatt shares why financial products are just "notes," and why your member journey must be the "music."
- [Why Gen Z Isn't "Broken" (And Why a Rulebook Won't Fix Them)](https://www.glattconsulting.com/why-gen-z-isnt-broken-and-why-a-rulebook-wont-fix-them.md) - Gen Z is struggling in the workplace due to a lack of face-to-face social repetitions. Learn why communication "rules" won't work, and how the EQ-i 2.0 assessment can help build your next generation of leaders.
- [Beyond the Buzzword: What Critical and Analytical Thinking Actually Mean](https://www.glattconsulting.com/beyond-the-buzzword-what-critical-and-analytical-thinking-actually-mean.md) - Everyone says "critical and analytical thinking" are essential, but the terms have become buzzwords. Learn the real difference between the two, and why human judgment is your only moat against AI.
- [Glatt Consulting Weekly: Curing "Project Obesity"](https://www.glattconsulting.com/glatt-consulting-weekly-curing-project-obesity.md) - This week, I'm tackling the execution gap and how to cure "project obesity" to make your strategy live. Plus, a warning about AI, CEO readiness, and expiring early bird rates for Lake Tahoe.
- [Is Your CEO Ready for the Next Credit Cycle? The Answer Isn’t on the Balance Sheet.](https://www.glattconsulting.com/is-your-ceo-ready-for-the-next-credit-cycle-the-answer-isnt-on-the-balance-sheet.md) - A credit union’s balance sheet is a psychological artifact. To know if your CEO is ready for the next credit cycle, boards must look beyond past financial metrics and evaluate their risk disposition and emotional intelligence.
- [The Execution Gap: How to Cure "Project Obesity" and Make Strategy Live](https://www.glattconsulting.com/the-execution-gap-how-to-cure-project-obesity-and-make-strategy-live.md) - 90% of strategies fail because of poor execution. Learn how to bridge the gap between boardroom vision and frontline action by curing "Project Obesity" and building a strategic Kill List.
- [The Advantage AI Can’t Replicate: A Warning for Credit Unions](https://www.glattconsulting.com/the-advantage-ai-cant-replicate-a-warning-for-credit-unions.md) - AI is rapidly commoditizing banking technology. Discover why deep member understanding and a resilient business model are the only true competitive advantages left for credit unions.
- [Secure Your Seat for Lake Tahoe: Early Bird Rates for "Critical Skills"](https://www.glattconsulting.com/secure-your-seat-for-lake-tahoe-early-bird-rates-for-critical-skills.md) - Planning your Q3 board education? Register for the "Critical Skills" workshop in Lake Tahoe by May 14 to lock in the Early Bird rate and save $100.
- [Day 3 Recap: The Execution Engine and the Hospitality of the High Seas](https://www.glattconsulting.com/day-3-recap-the-execution-engine-and-the-hospitality-of-the-high-seas.md) - We wrap up the CU Cruise with a deep dive into execution. Learn how to beat "Project Obesity," calculate your true institutional health, and build a culture that sustains success.
- [Glatt Consulting Weekly: From Boardroom Vision to Frontline Delight](https://www.glattconsulting.com/glatt-consulting-weekly-from-boardroom-vision-to-frontline-delight.md) - I'm wrapping up the final sessions aboard the Enchanted Princess today! This week, we explore how to turn static strategy into a living system and the true ROI of hospitality in your credit union.
- [Day 2 Recap: From Boardroom Vision to Frontline Delight](https://www.glattconsulting.com/day-2-recap-from-boardroom-vision-to-frontline-delight.md) - 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.
- [The ROI of Belonging: What Hospitality Teaches Credit Unions About Community](https://www.glattconsulting.com/the-roi-of-belonging-what-hospitality-teaches-credit-unions-about-community.md) - 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](https://www.glattconsulting.com/glatt-consulting-weekly-strategy-risk-and-the-roi-of-hospitality.md) - 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](https://www.glattconsulting.com/day-1-recap-strategy-risk-and-the-roi-of-hospitality.md) - 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](https://www.glattconsulting.com/the-subsidiary-mandate-inside-the-ncuas-new-stablecoin-blueprint.md) - 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](https://www.glattconsulting.com/systemic-risk-the-163-million-impact-of-a-10-credit-card-rate-cap.md) - 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](https://www.glattconsulting.com/event-announcement-critical-skills-for-credit-union-directors.md) - 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.
- [The Great Divergence: Why "Average" Metrics Are Failing Credit Unions in a K-Shaped Economy](https://www.glattconsulting.com/the-great-divergence-why-average-metrics-are-failing-credit-unions-in-a-k-shaped-economy.md) - 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](https://www.glattconsulting.com/glatt-consulting-weekly-the-safety-paradox.md) - 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](https://www.glattconsulting.com/event-announcement-cu-directors-strategy-performance-conference.md) - 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](https://www.glattconsulting.com/the-safety-paradox-why-the-industry-is-safe-sound-and-slowly-shrinking.md) - 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](https://www.glattconsulting.com/glatt-consulting-weekly-the-static-document-fallacy-of-governance.md) - 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.
- [Event Announcement: 2026 Caribbean Islands CU Educational Cruise](https://www.glattconsulting.com/event-announcement-2026-caribbean-islands-cu-educational-cruise.md) - Join Tom and Jennifer Glatt for the 2026 Caribbean Cruise Conference, Feb 15-25. Attend expert-led sessions on CU strategy, governance, and member experience.
- [Beyond the Hype: Business Model Clarity for CU Resilience & AI Transformation](https://www.glattconsulting.com/business-model-clarity-ai-strategy.md) - Credit unions face a 42% AI 'poor fit' rate. New research on why this is a crisis of strategic clarity, not technology, and the 4-step mandate to fix it.
- [An Exclusive WCMS Alumni Briefing: Beyond the Numbers with CU HealthScore](https://www.glattconsulting.com/an-exclusive-wcms-alumni-briefing-beyond-the-numbers-with-cu-healthscore.md) - An exclusive webinar for WCMS Alumni. Tom Glatt breaks down the latest CU HealthScore data to reveal the critical health and performance trends shaping credit union strategy.
- [What is Governance, Really? (Hint: It's Not the Binder on Your Shelf)](https://www.glattconsulting.com/what-is-governance-really-hint-its-not-the-binder-on-your-shelf.md) - For most boards, "governance" is a dusty binder. This is a failure of the system, not the people. Learn what governance is really about: a "Living System" for proactive, strategic oversight
- [Glatt Consulting Weekly: Diving Deeper Than the GENIUS Act](https://www.glattconsulting.com/glatt-consulting-weekly-diving-deeper-than-the-genius-act.md) - This week, I'm diving deep into the transformative impact of stablecoins following the GENius Act. Also, catch up on recent posts covering strategy execution, plan resilience, and more from the blog.
- [From Plan to Action: Closing the "Execution Gap" in Your Strategy](https://www.glattconsulting.com/from-plan-to-action-closing-the-execution-gap-in-your-strategy.md) - At the Reaching Members conference, Tom Glatt detailed why great strategies fail: The "Execution Gap." Learn how to close it using the OKR framework to connect your board's vision to real, measurable results.
- [How Resilient is Your Plan? A Framework for CU Strategy](https://www.glattconsulting.com/how-resilient-is-your-plan-a-framework-for-cu-strategy.md) - 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](https://www.glattconsulting.com/the-transformative-impact-of-stablecoins.md) - 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.
- [The Lifecycle vs. The Snapshot: Is Your Business Model Built for a Moment in Time?](https://www.glattconsulting.com/the-lifecycle-vs-the-snapshot-is-your-business-model-built-for-a-moment-in-time.md) - 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](https://www.glattconsulting.com/weekly-insights-nov-4-2025.md) - 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.
- [Your Member Is Already Elsewhere: Why Embedded Finance is a Strategic Imperative](https://www.glattconsulting.com/embedded-finance-credit-union-opportunity.md) - 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.
- [Why Chime is Winning the Checking Account War (And What Credit Unions Get Wrong)](https://www.glattconsulting.com/why-chime-is-winning-the-checking-account-war-and-what-credit-unions-get-wrong.md) - 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?
- [Employee Happiness Isn't a Perk. It's a Strategic Outcome.](https://www.glattconsulting.com/employee-happiness-isnt-a-perk-its-a-strategic-outcome.md) - 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.
- [The New Commerce Stack: How AI and Payment Protocols Are Engineering Financial Institutions Out of the Customer Relationship](https://www.glattconsulting.com/rwp6ibppvoig9wkinrqrsl814ivtpu.md) - In the last 48 hours, the future of e-commerce and digital banking was revealed. It did not come from a single press release, but from two, seemingly separate announcements. On October 27, 2025, Mastercard and PayPal announced a partnership to "accelerate secure global agentic commerce." The very n…
- [Is Your Organizational Structure Sabotaging Your Strategy?](https://www.glattconsulting.com/5nc39ywu0wtbch731t61k83vazfty3.md) - In strategic planning sessions across the country, credit union leadership teams build ambitious roadmaps for the future. They chart out new member-centric initiatives, innovative digital channels, and diversified revenue streams through CUSOs. Yet, months later, many of these critical "explore" in…
- [Reputation Risk Isn't Gone, It's Yours: A Board's Guide Post-NCUA Shift](https://www.glattconsulting.com/reputation-risk-isnt-gone-its-yours-a-boards-guide-post-ncua-shift.md) - The NCUA recently announced a significant shift in its supervisory framework: it will cease using "reputation risk" as a formal category in examinations. Citing the subjective nature of the assessment, the agency aims to ground its oversight in more data-driven conclusions. While this change stream…
- [Open Banking: Reshaping Your Credit Union's Business Model](https://www.glattconsulting.com/open-banking-reshaping-your-credit-unions-business-model.md) - The concept of "open banking"—giving members control over their own financial data—is rapidly moving from regulatory theory to market reality. While the specific rules are still being debated by the CFPB, the fundamental shift is clear: the walls around traditional financial data are coming down. F…
- [The New Normal: Why a Flat Remote Work Trend Is a Powerful Strategic Signal](https://www.glattconsulting.com/the-new-normal-why-a-flat-remote-work-trend-is-a-powerful-strategic-signal.md) - In a previous article, we explored groundbreaking research showing that top talent places a high monetary value on workplace flexibility. Since the post-pandemic "return to office" push, a critical question has remained: Was that demand for flexibility a temporary fad, or does it represent a perman…
- [The New Bottom Line: How Workplace Flexibility Became a Strategic Asset](https://www.glattconsulting.com/feb00fw158affmzxk9oauqboqriryg.md) - For years, the debate around remote and hybrid work has been framed as a culture war: a battle between traditional office norms and a new demand for flexibility. Groundbreaking research from economists at Harvard, Brown, and UCLA, however, is reframing the conversation. Workplace flexibility is no…
- [Beyond the Points War: A New Playbook for Credit Union Credit Cards](https://www.glattconsulting.com/bl0judlsxd9wxznplc6xw38ltj8ik4.md) - The credit card landscape has become an arms race. As detailed in publications like Bloomberg, major national issuers are locked in a battle for "top of wallet" status, deploying massive marketing budgets and ever-escalating rewards programs, from extravagant travel benefits to complex point ecosys…
- [Building the Perpetual Board: A Leader's Guide to Succession Readiness](https://www.glattconsulting.com/oemdcxclgdf9ghoxdsrtdwf1knnane.md) - At the recent 2025 National Director’s Roundtable, I led a session on one of the most critical duties of governance: proactive board succession planning. In today's landscape of accelerating change, a reactive approach to filling board seats is a significant strategic risk. The question for every b…
- [A Leader's Guide to Strategic Foresight & Scenario Planning](https://www.glattconsulting.com/vobkleuwapq5qwtxe1uu0kt67dd5sy.md) - At CU Conferences’ 2025 National Director’s Roundtable, I had the pleasure of presenting a framework for building a more resilient strategy. The core idea is that in today's unpredictable world, the old playbook for strategic planning is no longer sufficient. The old playbook, a rigid process of an…
- [The Manager's True Superpower: A Guide to Scientific Talent-Spotting](https://www.glattconsulting.com/scbh49wibww0h93u14vap04wb7at2j.md) - We often attribute the success of a great manager to broad traits like vision or empathy. However, a groundbreaking 10-year study suggests their single most impactful skill is far more specific: the ability to identify an employee's unique strengths and guide them into the role where those strength…
- [You're Gonna Need a Bigger Boat: A Risk Analysis of the Leadership Team in "Jaws"](https://www.glattconsulting.com/scee2xuc1jlm4fknc67ic3cjvltbdd.md) - In the summer of 1975, a Great White shark terrorized the community of Amity Island, forcing Police Chief Martin Brody to famously conclude, "You're gonna need a bigger boat." That line became an emblem of being dangerously underequipped for a known threat. For today's credit union leaders, the "sh…
- [Sustainability vs. Resilience: A Board's Guide to a Future-Proof Credit Union](https://www.glattconsulting.com/7kcafmpb6pgg6zm5w7o55h2tm7uhjs.md) - In credit union boardrooms, the words "sustainability" and "resilience" are used constantly, often interchangeably. While closely related, they are not the same. Understanding the distinct role each plays—and how they work together—is one of the most critical responsibilities of a forward-thinking…
- [Your Credit Union's Blueprint: A Guide to the Business Model Canvas](https://www.glattconsulting.com/iigoezugc5ytsdeh9c4mdvssdqtyus.md) - Can you explain your credit union's entire business model on a single page? Can every member of your board and leadership team articulate precisely how your institution creates, delivers, and captures value? If the answer is no, you're not alone. While credit unions operate as not-for-profit cooper…
- [What's Your Team's Risk DNA? An Introduction to the Risk Type Compass](https://www.glattconsulting.com/ynv42pw0xoqxvpxjtueh4lfjzuugl4.md) - Every leadership team has an inherent "risk personality." Some are predisposed to caution, meticulously analyzing every variable before acting. Others are naturally composed, embracing challenges head-on with confidence and decisiveness. Neither approach is inherently right or wrong, but an unaware…
- [Recruiting for the Future: A Modern Approach to Board Succession Planning](https://www.glattconsulting.com/recruiting-for-the-future-a-modern-approach-to-board-succession-planning.md) - For many credit union boards, succession planning is a reactive process. A long-serving director retires, and the nominating committee scrambles to find a replacement—often someone with a similar background and skill set. This "like-for-like" replacement model feels safe, but in a rapidly changing…
- [The "Living System of Governance": How to Build a Proactive Board Calendar](https://www.glattconsulting.com/the-living-system-of-governance-how-to-build-a-proactive-board-calendar.md) - In our last article, we discussed the difference between a reactive "compliance backstop" board and a proactive "strategic asset" board. The natural next question is: How do you make that transition? The answer lies in transforming your governance from a series of meetings into a continuous, discip…
- [Is Your Board a Strategic Asset or a Compliance Backstop?](https://www.glattconsulting.com/is-your-board-a-strategic-asset-or-a-compliance-backstop.md) - Every credit union board fulfills a vital fiduciary duty. Directors are the diligent stewards of the institution, ensuring regulatory compliance, reviewing financial performance, and safeguarding member assets. This role as a compliance backstop is non-negotiable. But is it the board's only role? F…
- [Beyond the Score: How to Use Peer Benchmarking for a Competitive Advantage](https://www.glattconsulting.com/4q3c72f0qfsukx0prc6to52tb8clkc.md) - Knowing your credit union's performance score is the essential first step. An 8.2 HealthScore, for example, is a strong indicator of institutional health. But a number in isolation tells only half the story. The real question is not just "How are we doing?" but "How are we doing compared to our pee…
- [What's Your Number? The Power of a Single Health Score for Strategic Oversight](https://www.glattconsulting.com/j75riarpoj512vex1ltm4w3ct0uqqc.md) - We all understand the power of a single number to distill complexity. An individual’s FICO score, for instance, synthesizes a vast and complex credit history into one universally understood metric of financial health. It provides a clear, immediate, and actionable signal. Why should the oversight o…
- [Drowning in Data, Starving for Insight: The Credit Union Leader's Dilemma](https://www.glattconsulting.com/drowning-in-data-starving-for-insight-the-credit-union-leaders-dilemma.md) - It’s a scene that plays out in boardrooms everywhere: the monthly performance review begins, and the screen fills with dense spreadsheets, complex charts, and a dozen different KPIs. The data is all there—interest margin, delinquency rates, ROA—but a clear, cohesive story is missing. One metric is…
- [The Board's Guide to OKRs: Creating a Line of Sight from Vision to Action](https://www.glattconsulting.com/zkhe12nnaaxy3pel26efxt30jt0qun.md) - The execution gap occurs when a credit union's strategy is consumed by daily operations. Learn how the OKR framework creates a clear line of sight from the boardroom to the front line.
- [Beyond Prediction: Using Scenario Planning to Build a Resilient Credit Union](https://www.glattconsulting.com/beyond-prediction-using-scenario-planning-to-build-a-resilient-credit-union.md) - For decades, the standard strategic plan was built on a five-year forecast—a confident prediction of a single, linear future. In today’s rapidly accelerating world, that model is broken. Betting on a single forecast is no longer a strategy; it’s a gamble. Resilient organizations don't try to predic…
- [Why Your Strategic Plan Is Gathering Dust (And How to Fix It)](https://www.glattconsulting.com/f8ox5n1sbhqw1il2n8q3xivc06s64p.md) - It’s a familiar ritual in the credit union world: the annual strategic planning retreat. The leadership team and board gather offsite, engage in productive discussions, and emerge with a thick binder containing a detailed, well-intentioned strategic plan. That binder is placed on a shelf, and by th…
- [Authenticity is a Competitive Advantage](https://www.glattconsulting.com/authenticity.md) - In a crowded financial market, a mission statement is insufficient. Discover how credit union leaders can leverage authenticity as a strategic discipline to build trust and protect their Human Moat.
- [Event Announcement: Reaching Your Members in the 21st Century](https://www.glattconsulting.com/event-announcement-reaching-your-members-in-the-21st-century.md) - Join Glatt Consulting's Tom Glatt in Orlando, FL, for two key sessions on turning strategic vision into measurable results at the Reaching Your Members in the 21st Century Conference.

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