CONSULTING & STRATEGIC PLANNING

Our consulting focus can best be categorized under Strategic Business Planning and Community Development. In a nutshell, we exist to help credit unions identify the best strategies to grow and prosper. Many of our clients are considered best practices for organic growth, revenue, member outcomes, and community impact.

Strategic planning has never been more important. Credit unions are at a crossroads, and the credit union space will look a lot different in 2025 than it does today. Rapidly evolving payment systems, alternative financial products, and non-traditional providers are creating disruptions that will change member preferences and define who survives and who doesn’t.

AFFORDABLE

More than half of our clients are small and mid-sized credit unions with limited budgets. Facilitation fees are based on asset size and format of the planning session. Each session is customized based on the specific needs of the credit union, and includes the aggregated results from planning meetings, providing a working document to the credit union.

RESULTS

We understand credit unions, and will help your team establish a clearly defined strategic direction. Facilitation is based on our team’s diverse experience working with hundreds of successful credit unions across the country. This diversity is beneficial when discuss- ing strategic options. Our clients are amongst the fastest-growing and most-profitable best practices in the country.

Business Planning

With limited resources, many credit unions are challenged to translate strategic priorities into actionable plans. We help management teams develop specific tactical plans to overcome obstacles and leverage resources to support strategic priorities.

LOAN GROWTH PLANS

This process begins with a review for potential improved inefficiencies, internal cross-selling opportunities, external market opportunities, and product improvements. Once internal opportunities have been addressed, external loan growth opportunities are considered that include improved differentiation, target markets, product development, pricing, and competition.

MEMBERSHIP GROWTH PLANS

We work with the credit union team to identify the area competition, product offerings, differentiation, target market, and field of membership opportunities to determine an actionable plan to pursue membership growth. Scope of work also includes Field of Membership expansion and merger (acquisition) business plans.

CAPITAL RESTORATION PLANS

We help credit unions that are getting uncomfortably close to their capitalization requirements, as well as those that have fallen below. Plans are built around expense control and revenue-growth strategies. Examiner mandated net worth restorations plans are created in the approved format with required financial projections. This is a rewarding part of our work, as nearly all plans are approved by examiners and result in the desired net worth restoration.

COMMUNITY DEVELOPMENT & OUTREACH

A good portion of our work is dedicated to serving credit unions who serve underserved, minority, immigrant or low to moderate income consumers. CDFI Grant Writing, Management and Certification, Low Income Designation (LID), Secondary Capital, Lending Programs, Hispanic Outreach, and Diversity, Equity & Inclusion Programs.

Hispanic Outreach

Purpose. Execution. Results.

Our Client Relationships Fuel Us