Apple, Simple Offer Packaging Inspiration for Credit Unions
One of the more fascinating anecdotes about Apple is how much they care about packaging. While many companies give packaging hardly a second thought, or others try to minimize the ancillary cost of packaging with the cheapest materials they can find, Apple has (apparently) a room dedicated to package design. Overkill or brand builder? Continue reading “Does Product Packaging Matter?”
Tom Glatt, Jr’s most recent CUinsight article “Physical And Online Branches: How Do They Differ?” is now online. The article highlights three of the most important challenges facing credit unions trying to develop online branching strategy even while maintaining a physical branch network.
Continue reading “Read Tom Glatt’s “Physical And Online Branches: How Do They Differ?” on CUinsight”
Glatt Consulting has updated the firm’s research database used to calculate the Credit Union Industry HealthScore to include new net worth requirements proposed by the National Credit Union Administration (NCUA). The update allows for the calculation of risk-based net worth as proposed by the regulator not only for the latest call report cycle but for historical cycles as well. Data will be used to study the impact of the proposed rule on credit union health and financial performance. Continue reading “Glatt Consulting Begins Study of Proposed Risk-Based Capital Rule, Effects on Credit Unions”
My firm, Glatt Consulting, recently released the latest Credit Union Industry HealthScore. The HealthScore system calculates overall credit union health by scoring/grading credit union performance across eleven different key ratios including Net Worth, ROAA, Operating Expense, Efficiency, Charge Off, Delinquency, Loans, Deposits, Loan to Share, Asset Growth, and Membership Growth. Grading is based on a five-point scale, with 0 reflecting poor health and 5 reflecting exceptional health. Continue reading “How Many Branches Does It Take to Grow A Credit Union?”
Glatt Consulting’s Tom Glatt, Jr. will deliver a session entitled Building A Virtual Branch at the CUNA Marketing & Business Development Council 21st Annual Conference. The conference is scheduled for March 12-15, 2014 and will be held at the Caribe Royale Resort in Orlando, Florida. Continue reading “Tom Glatt, Jr. To Speak On Virtual Branch Development”