CUNA Councils White Papers

ARCHIVE

The following white papers are older and are made available to members for historical and research purposes.

• Cross Council
• CFO Council
• HR/TD Council
• Lending Council
• Marketing & BD Council
• OpSS Council
• Technology Council

Cross Council:

Title	Author	Date
Business Continuity: Trends and Planning (Non-Members, click here to purchase)	Jim Jerving	November 2006
Teaming up for Long-term Success: Credit Union Mergers from Six Departmental Perspectives (Non-Members, click here to purchase)	Karen Bankston	October 2006

CFO Council:

Title	Author	Date
Trends in Generating Non-Interest Income (Non-Members, click here to purchase)	Brian Hague	November 2006
Regulatory Examinations: Reports and Guidance (Non-Members, click here to purchase)	Christine Dawe	May 2006
To Sell or Not to Sell: Credit Card Portfolio Analysis	Darla Dernovsek	March 2006
Credit Risk Management Guidance for Home Equity Lending	National Credit Union Administration	May 2005
Analyzing Core Deposits and Balance Sheet Risk (Non-Members, click here to purchase)	Keith Peterson	March 2005
Strategic Equity Planning: Finding the Ideal Capital Position (Non-Members, click here to purchase)	Dr. Harold M. Sollenberger	Febuary 2005
Using Balanced Scorecards in the Credit Union Financial Management Process (Non-Members, click here to purchase)	Dennis Graham	January 2005
Taking Aim at Business Services (Non-Members, click here to purchase)	Darla Dernovsek	August 2004
Trust Services (Non-Members, click here to purchase)	Darla Dernovsek	May 2004
Net Economic Value: What It Is, What It Isn't	Keith Peterson	August 2003
Reporting ALM Results to Directors	Robert Lestina	June 2003
The Savings and Loan Crisis: A Retrospective View	Brian Hague	May 2003
Cost Accounting and Profitability Analysis for Directors and Non-Financial Managers	Keith Peterson	April 2003
Investment Portfolio Management in the Current Interest Rate Environment	Brian Hague	March 2003
Liquidity and Portfolio Management	Brian Hague	August 2002
The Essentials of Expense Control	Mike Moebs	July 2002
Back to Our Roots: The Case for Credit Unions Offering Payday Loans and Check-Cashing Services	Karen Bankston	May 2002
Pricing: 21st Century Financial Service Paradigm	Mike Moebs	May 2002
Protecting Your Credit Union Against Property Damage Exposures	Patricia A. Bonner, Ph.D.	September 2001
Protecting Your Credit Union Against Liability Exposures	Patricia A. Bonner, Ph.D.	August 2001
Investment Types, Operations, and Accounting	Brian Hague	July 2001
Portfolio Monitoring and Rebalancing: Management Strategies	Brian Hague	May 2001
Understanding and Leveraging Member Funding Behavior	William J. McGuire	April 2000

HR/TD Council:

Title	Author	Date
Establishing an Ethics Training Program (Non-Members, click here to purchase)	Katie Sutliff Lang Ethics Resource Center	September, 2006
Developing Policies and Cultures Attuned to 21st Century Needs (Non-Members, click here to purchase)	Jim Jerving	February 2006
Using Balanced Scorecards in the Credit Union Human Resource Management Process	Dennis Graham	December 2005
Health Savings Accounts: An Overview of the Requirements, Pros/Cons and Current Market Trends (Non-Members, click here to purchase)	Bob Stubbe	August 2005
Confessions of an E-Learning Pragmatist (Non-Members, click here to purchase)	Cindy Stynchula	October 2004
Ethics: The Credit Union as Corporate Citizen (Non-Members, click here to purchase)	Dick Radtke	June 2004
Making the Employee Benefit Package More Robust Without Adding Expense: Perks that Don't Affect the Bottom Line	Catherine Izor	December 2003
Competencies: The Little Tool that Packs Big Performance	Susan Stites	November 2003
Needs Assessment: A Technique for Determining Credit Union Developmental Needs	Susan Stites	June 2003
How to Deliver Exciting, Engaging Training	Cindy Stynchula	April 2003
Return on Investment (ROI) of Training	Catherine Izor	November 2002
Bringing Your Credit Union's Culture to Life	Jeffrey and Linda Russell	August 2002
The Role of Compensation in Recruiting and Retaining Credit Union Staff	Jeffrey and Linda Russell	July 2002
Staff Surveys	Catherine Izor	May 2002
Electronic Communications Security	Marg Sumner	November 2001
Compensation Strategies to Recruit and Retain Your Best Employees	Yvonne Evers	September 2001
Risk Management	Patricia A. Bonner	June 2001
Credit Union Intranets: Benefits for HR Professionals	Sarah White	March 2001
Dealing with Employee Problems in the Era of Y2K	Michael Patrick O'Brien and D. James Morgan	May 2000
Employee Assistance Programs: Key to a Productive Workplace	David L. Dubuc	July 1999
Recruitment and Retention	Harris M. Plotkin	March 1999

Lending Council:

Title	Author	Date
Risk-Based Lending: Serve More Members and Increase Loan Volumes (Non-Members, click here to purchase)	Judy Dahl	December 2006
Underserved Members: Breaking Down Barriers to Service (Non-Members, click here to purchase)	Nancy Pierce and Lois Kitsch	November 2006
Indirect Lending: How to Develop the Best Approach (Non-Members, click here to purchase)	Neil Bartlett	August 2006
A Credit to Their Members: The 2005 Excellence in Lending Awards (Non-Members, click here to purchase)	Karen Bankston	May 2006
Getting Personal : Lifestyle Lending as a Path to Building Member Relationships (Non-Members, click here to purchase)	Karen Bankston	September 2005
Credit Risk Management Guidance for Home Equity Lending	National Credit Union Administration	May 2005
Elegant Lending Solutions: - 2004 Excellence in Lending Award Winners - Celebrate ‘Simple’ Successes (Non-Members, click here to purchase)	Karen Bankston	February 2005
Member Business Lending:Ideas and Strategies From Participating Credit Unions (Non-Members, click here to purchase)	Darla Dernovsek	November 2004
Lending Strategies That Generate Great Results (Non-Members, click here to purchase)	Karen Bankston	October 2004
Lending to Low-Income Members and Underserved Communities (Non-Members, click here to purchase)	Darla Dernovsek	May 2004
The 2003 Excellence in Lending Awards	Karen Bankston	February 2004
Asset Liability Management: A Lending Perspective	Todd Smith	September 2003
All about ALLL	Ronald Parker	August 2003
The Indirect Route to Growing Auto Loans: Advantages and Challenges of Indirect Lending for Credit Unions	Karen Bankston	August 2003
The Savings and Loan Crisis: A Retrospective View	Brian Hague	May 2003
Different Paths to a Shared Destination: The 2002 Excellence in Lending Awards	Jim Jerving	February 2003
Mortgage Lending for Small Credit Unions	Catherine Izor	September 2002
Better Than Zero Percent: Helping Members Get the Best Deal on Car Loans	Karen Bankston	July 2002
Serving Small Business Members	Dick Radtke	June 2002
Learning from Success: The 2001 Excellence in Lending Awards	Jim Jerving and Karen Bankston	January 2002
A Guide to Fair Lending Compliance	Mike McLain and Jan Vogel	December 2001
Top Ten Technology Trends for Lenders	Darla Dernovsek	November 2001
Porter's Competitive Strategy Applied to Credit Union Lending	Jim Jerving	November 2001
Excellence in Lending Awards	Jim Jerving	March 2001
Vehicle Leasing	Don Mattison	February 2000
The Gods of Lending Speak	Jack Houseknecht	May 1999
Mortgage Lending	Stephen Renock	July 1998
Just Say No	Jack Houseknecht	January 1998
Automated Underwriting	Staff of Citizens FCU	July 1997

Marketing & BD Council:

Title	Author	Date
Building Loyalty with Members through Relationship Pricing (Non-Members, click here to purchase)	Mark Arnold and Taylor Wells	October 2006
The Name Is the Game: How to Build Brand Awareness into a Credit Union’s Name Change (Non-Members, click here to purchase)	Karen Bankston	May 2006
Marketing Salaries & Benefits (401(k) Matching and Company Car)	CUNA	February 2006
Use of the Term “Bank” in Credit Union Promotions: Not an Issue, Necessary Evil, or High Treason? (Non-Members, click here to purchase)	Lucy Harr	December 2005
The Urge to Merge (Non-Members, click here to purchase)	Mark Arnold and Taylor W. Wells	November 2005
SEG Development (Non-Members, click here to purchase)	Mark Arnold	December 2004
Marketing to Hispanics (Non-Members, click here to purchase)	Mark Arnold	August 2004
Integrating Political Involvement Into Marketing Efforts (Non-Members, click here to purchase)	Karen Bankston	June 2004
It's Not Like Marketing to Your Grandparents	Catherine Izor	December 2003
Marketing on a Shoestring	Darla Dernovsek	December 2003
Retail Branch Design	Darla Dernovsek	July 2003
How to Market Member Business Services	Dick Radtke	May 2003
Demographics and Other Drivers for Electronic Delivery Channel Usage	Darla Dernovsek	November 2002
Integrating Employee Incentive Programs into Marketing Campaigns	Mark Arnold and Taylor W. Wells	August 2002
Planning & Implementing Electronic Marketing Campaigns	Mark Arnold and Taylor W. Wells	July 2002
Public Relations: The Oilcan in the Marketer's Toolbox	Dick Radtke	March 2002
Marketing in Compliance With Federal Regulations	Karen Bankston	October 2001
Targeting Young Members	Mark Arnold & Taylor W. Wells	May 2001
Building Web Site Traffic	Mark Arnold & Taylor W. Wells	March 2001
Why The New Marketing To Women?	Joan Donovan	February 2001

OpSS Council:

Title	Author	Date
Balancing Sales and Operations (Non-Members, click here to purchase)	Mark Arnold	November 2006
Sales versus Service? How a Members-First Approach Elevates Sales to Highest Form of Service (Non-Members, click here to purchase)	Karen Bankston	October 2006
BITS: Guide to Business-Critical Power (FREE)	A publication of BITS	June 2006
What Every Operations Professional Should Know in Preparation for Strategic Planning (Non-Members, click here to purchase)	Karen Bankston	November 2005
Energizing Win-Win Negotiations (Non-Members, click here to purchase)	Sandra Bernard Dugas, Ph.D.	October 2005
Selling to the E-Member (Non-Members, click here to purchase)	Darla Dernovsek	January 2005
Check 21: What’s Now? What’s Next? (Non-Members, click here to purchase)	Darla Dernovsek	December 2004
Using Balanced Scorecards in the Credit Union Sales Management Process	Denny Graham	July 2004
ALM Results to Directors	Robert F. Lestina	December 2003
Credit Union Growth Strategies: Building Participation and Opportunity	Karen Bankston	June 2003
Making Change Happen	Darla Dernovsek	May 2003
Branch Evolution Automation, Self-Service Strategies, Cross-Selling, and More	Darla Dernovsek	April 2003
Fraud Prevention Strategies for Online Financial Services* *links to page on cuna.org	BITS Fraud Reduction Steering Committee	April 2003
Knowledge Management: Paying Attention to What Matters	Darla Dernovsek	October 2002
Putting CRM to Work for Credit Unions	Darla Dernovsek	July 2002
Creating an Integrated Credit Union Contact Center	Darla Dernovsek	June 2002
Incentive Programs: The High Road to Peak Performance	Dick Radtke	March 2002
Maximize Benefits and Minimize Costs with Simple Financial Tools	Eric J. Bolland	November 2001
Using Analysis Techniques for Decision Making and Maximizing Profits	Eric J. Bolland	June 2001
Call Center Cost / Benefit Analysis and Staffing Considerations	Elizabeth D. Thompson	May 2001
Call Center Technologies	Elizabeth D. Thompson	April 2001

Technology Council:

Title	Author	Date
Biometric Trends and Practices (Non-Members, click here to purchase)	Jim Jerving	November 2006
RFID: Paying for Purchases the Contactless Way (Non-Members, click here to purchase)	Darla Dernovsek	October 2006
Identity Management At Credit Unions (Free)	Joe Carmichael & Alfonso Gutierrez	March 2006
Successful CRM Implementations: A Journey of Culture, People and Technology (Non-Members, click here to purchase)	Jim Jerving	November 2005
Strategic 7 (Article)	Jim Morrell and Tom Kroen	December 2004
Preparing for Check 21 And Electronic Image Exchange (Non-Members, click here to purchase)	Darla Dernovsek	December 2004
E-Channels Check (Non-Members, click here to purchase)	Karen Bankston	August 2004
Telecommuting	Darla Dernovsek	August 2003
ATM Strategies	Darla Dernovsek	August 2003
Forging Productive Technology Partnerships	Dick Radtke	July 2003
Fraud Prevention Strategies for Online Financial Services (links to page on cuna.org)	BITS Fraud Reduction Steering Committee	April 2003
Disaster Recovery and Credit Unions	John Mostek	February 2003
Maximizing Internet Penetration	Darla Dernovsek	November 2002
Members & Technology: Increasing Usage without Sacrificing Service	Darla Dernovsek	October 2002
Defining And Implementing Customer Relationship Management	Darla Dernovsek	July 2002
Waiting For Smart Cards	Darla Dernovsek	January 2002
Preparing For A Successful Information Services And Technology Examination	Darla Dernovsek	July 2001
Making Data Smart: Database Tools And Applications	Darla Dernovsek	June 2001
Where Your Members Are Moving	Darla Dernovsek	May 2001
Online Security And Privacy Update	Darla Dernovsek	February 2001
Implementing Paper-Reducing Technologies: Part 3	Larry J. Lucas	December 2000
Hand-Held Banking	Senscom, Incorporated	November 2000
Implementing Paper-Reducing Technologies: Part 2	Larry J. Lucas	October 2000
Implementing Paper-Reducing Technologies: Part 1	Larry J. Lucas	August 2000
Internet Banking And E-Commerce	Authnet Software Group	July 1999

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