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.
CU HealthScore
Living System
The Operational Reality of De Novo Charters: Examining the Closure of African Diaspora FCU
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.
CU HealthScore
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.
Credit Unions
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.
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.
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.
Speaking Event
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.
Performance
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.
Performance
Beyond the Score: How to Use Peer Benchmarking for a Competitive Advantage
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 "
Performance
What's Your Number? The Power of a Single Health Score for Strategic Oversight
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 of a multi-million
Performance
Drowning in Data, Starving for Insight: The Credit Union Leader's Dilemma
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 up,