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Potential Solutions for Pressure on Non-Interest Income

December 16, 2021
9 am PT/ 10 am MT/ 11 am CT/ 12 pm ET
Online via Zoom

Increased competition, FinTechs, and political pressures are changing the environment for noninterest income. These shifts can create opportunities and/or potential strains to earnings. As a result, institutions are looking for solutions to offset pressure on overdraft fees, NSF, interchange income, along with other income streams. How can institutions improve service to members while protecting or increasing earnings for the future?

In this roundtable, Rob Johnson, President from c. myers, and Tony Hildesheim, COO at Redwood Credit Union, will share ideas and considerations while also drawing ideas from the participants. Some of the topics will include considerations around and the potential impacts to:

  • Overdraft protection and NSF – angles to consider in the evaluation of changing or eliminating the program
  • Payments and interchange income – BNPL, P2P, P2B, etc
  • Improved service and creating value for members
  • Adjusting sources of revenue to offset earnings pressure

Tony will share insights from a $7B credit union that is committed to passionately serving the best interests of their members, employees, and communities. They have been continuously enhancing total member experience, continuing to achieve top NPS scores, and using data to better understand member needs – all while delivering strong earnings to support high membership and asset growth.

Rob will share insights from c. myers’ work with over 600 financial institutions, including 200+ with assets over $1 billion. This includes perspective from over 200 planning sessions this year, many of which have been focused on strengthening the business model, for which non-interest income plays a big role.

This session is Council member-only.  Only register if you are a current CUNA Councils member.  

Meet Your Speakers:

Speaker Image

Rob Johnson Rob Johnson

President

c. myers

Rob, President and one of five c. myers owners, has been instrumental in delivering on the vision of enabling leadership teams to have relevant and reliable financial decision-information at their fingertips, so that they can accelerate their strategic impact in providing value to their markets.

Clients find the speed of the decision-information, whether at the enterprise level or drilling into what is driving profitability at a category level, combined with Rob’s quick mind and critical thinking, to be invaluable.

While Rob is a familiar face to the senior leadership teams and boards of many large financial institutions, he has helped institutions of all sizes tackle some of their toughest challenges while staying focused on desired strategic outcomes.

When working with clients, Rob digs into their data and business intelligence to help them find opportunities for sustainable revenue streams and to reposition their business models so that the organization can continue to offer compelling value propositions to their target markets.

Rob is also a sought-after, highly-energetic industry speaker. Whether in front of an audience of dozens or over a thousand, he relishes taking complex, dry subjects and turning the material into a presentation that people really enjoy.

Nourish Phoenix, a local food and clothing bank for the working poor, benefits from Rob’s competitive spirit during donation drives, as he believes each drive should be more successful than the last. In his free time, Rob and his family love spending time at their mountain cabin where they enjoy their horses, 4x4s, paintball guns, and skiing in the winter

 

View Bio
Speaker Image

Tony Hildesheim Tony Hildesheim

Chief Operating Officer

Redwood Credit Union

Santa Rosa, CA