The Delinquency of Democracy: What Collections Can Teach Us About Member Voting
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.
Latest
Event Announcement: 2026 Reaching Your Members in the 21st Century Conference
Glatt Consulting founder Tom Glatt will serve as MC at the Reaching Your Members in the 21st Century Conference in Scottsdale, AZ, and present on building a sales-focused credit union.
Escaping the Predict and Control Trap: Reflections from Lake Tahoe
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
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
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
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
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
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
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
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
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
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.
Weekly Insights
Glatt Consulting Weekly: Stabilizing Health vs. Structural Challenges
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.
CU HealthScore
Q4 2025 CU HealthScore: Industry Health Stabilizes, But Structural Growth Challenges Remain
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.
Strategy
The Mountaintop Strategy: What a Blues Legend Teaches Us About the Member Journey
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."
Leadership
Why Gen Z Isn't "Broken" (And Why a Rulebook Won't Fix Them)
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.
Leadership
Beyond the Buzzword: What Critical and Analytical Thinking Actually Mean
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.
Weekly Insights
Glatt Consulting Weekly: Curing "Project Obesity"
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.
Leadership
Is Your CEO Ready for the Next Credit Cycle? The Answer Isn’t on the Balance Sheet.
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.
Strategic Execution
The Execution Gap: How to Cure "Project Obesity" and Make Strategy Live
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.
Strategy
The Advantage AI Can’t Replicate: A Warning for Credit Unions
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.
Speaking Event
Secure Your Seat for Lake Tahoe: Early Bird Rates for "Critical Skills"
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.
Conference Recap
Day 3 Recap: The Execution Engine and the Hospitality of the High Seas
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.
Weekly Insights
Glatt Consulting Weekly: From Boardroom Vision to Frontline Delight
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.