Weekly Insights
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.
Conference Recap
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.
Crypto Strategy
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.
Regulation
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.
Speaking Event
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
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.
Weekly Insights
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.
Speaking Event
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.
Performance
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.
Weekly Insights
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.
Speaking Event
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.
Strategy
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.