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.
Latest
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.
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: 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.
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.
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.
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: 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.
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.
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.
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: 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.
Speaking Event
Event Announcement: 2027 Director's Strategy and Credit Union Performance Conference
Tom Glatt leads a four-hour governance curriculum at the 2027 Director's Strategy and Credit Union Performance Conference this April in San Antonio.
Adaptive Velocity
Governing Adaptive Velocity: The Role of Risk Type and Emotional Intelligence
Improving organizational speed requires managing human behavior. Learn how Risk Type and Emotional Intelligence dictate an institution's adaptive velocity.
Strategic Execution
Defining Adaptive Velocity: The Architecture of Strategic Execution
Execution relies entirely on an institution's adaptive velocity. Learn how to locate strategic bottlenecks across the sensing, deciding, and acting phases of execution.
Adaptive Velocity
Governing Adaptive Velocity: Aligning the Boardroom with Strategic Speed
High executive speed stalls against slow governance. Learn how to structure board oversight to support adaptive velocity and eliminate decision latency.
Founder's Note
Founder's Note: AirPods, Age Gaps, and the Digital Native Myth
A casual tech tip from a 76-year-old highlights a major strategic blind spot credit union boards face when designing digital channels.
Executive Governance
Executive Behavior as a Strategic Asset: Bridging the Gap Between Risk Type and EQ
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
Executive Briefing: The "Waiting Room" Problem in Board Succession
Are traditional succession methods creating a governance bottleneck? Discover why I recommend repurposing an Insight Community to build a highly scalable, qualified board pipeline.
Living System
The Associate Board Member Bottleneck: Architecting a Scalable Succession Pipeline
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.
Living System
Rethinking Board Succession: Leveraging Insight Communities for Volunteer Pipelines
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
Founder's Note: The Working Practitioner vs. The Full-Time Speaker
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.
Living Strategy
Stress-Testing Your Business Model: How to Leverage Scenarios
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.
Living Strategy
Redefining Personal Service: Incorporating Agentic AI into Your Business Model
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.