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Movement vs. Industry – how do you define the credit union space?

first_imgScott is the Principal of Your Credit Union Partner, PLLC.Your Credit Union Partner (YCUP) is a trusted advisor to the leaders of more than 100 credit unions located throughout … Web: www.yourcupartner.org Details 16SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Scott Butterfield It’s not new; this question has been debated before. I have been called out more than once for defining the credit union space as a movement rather than an industry. I have friends on both sides of the debate and, arguably, both words apply.With the 2015 CUNA Governmental Affairs Conference knocking at our doors, and thousands of us meeting to discuss the future and descend on Capitol Hill to lobby our elected representatives, I thought it might be a good time to consider which word – movement or industry – most accurately describes what we do. Which word will best elicit the reaction we desire?A movement is defined as a group of people working together to advance their shared political, social, or artistic ideas. Think Martin Luther King, Jr.An industry is defined as the production of a good or service within an economy. Think Ford Motor Co.Both descriptions are technically accurate for credit unions, and both examples positively transformed society’s quality of life. Yet, one is more inspirational and speaks directly to the heart.Our rootsThe credit union system began as a social movement to create affordable access to credit and to promote thrift. Most of us know this, and I am sure it will be repeated more than once during Hill visits the second week of March. Passionate credit-union pioneers worked to share the credit-union ideal and were responsible for chartering tens of thousands of credit unions. Thanks to credit unions and their social movement, millions of Americans and immigrants gained access to affordable credit, learned how to save, and, as a result, prospered financially and migrated to the middle class. The early credit-union movement was inspiring, and it improved the quality of life for millions.Words matterUsing the right word can transform ideas into clear, captivating actions and ideals. Leadership guru Simon Sinek is best known for popularizing the concepts of “The Golden Circle” and to first “start with why”. (If you have not seen this, I highly recommend it:http://www.ted.com/talks/simon_sinek_how_great_leaders_inspire_action). Sinek proposes that people don’t buy what we do or how we do it, but they buy “why” we do what we do. People who believe in a concept or idea will attract people who believe in what they believe. It is the why that resonates and motivates people to listen to what we have to say and take notice of what we believe to be true about the world. This is very important, especially when we are trying to convey our uniqueness to the world and justify our unique not-for-profit chartering system.What do you believe?I believe that our “why” is still inspiring, and is still accurately defined as a social movement.Words matter, but action speaks louder than words. Here are a few examples of why I believe movement more accurately defines the credit union space as a whole. Hint: these might be good examples to share during your capitol hill visits.Mendo Lake Credit Union – $188-million credit union headquartered in Ukiah, CA.MLCU serves a diverse, low-income, overlooked rural community that includes low-income, Hispanic and Native American communities. MLCU is the main buffer between local low-income consumers and large, profit-oriented, banks, check-cashers, and predatory lenders. Financial inclusion is the credit union’s mission, and it walks the talk by providing one-on-one financial education, and products and loans that are specifically unique to the credit union’s membership. It actively lends to the underserved groups and demonstrates that credit unions can grow and do well by doing good.Tuscaloosa Credit Union – $60.1-million credit union headquartered in Tuscaloosa, AL.At TCU the “people helping people” mantra is alive and well. TCU has a mission of making affordable housing available for its lower-income target market. It does this by partnering with the local housing authority to provide financial, credit, and home buyer counseling, a process that ultimately results in the credit union financing consumer’s first home (loans that traditional financial institutions will not make). It’s an inspiring program and it’s probably why TCU was selected as the 2015 CU Times Trailblazer of the Year for Serving the Underserved.Mid Oregon Credit Union – $191-million credit union headquartered in Bend, OR.MOCU’s mission is to serve communities that include lower-income, Hispanics and Native Americans. MOCU serves consumers across a very wide demographic spectrum. When it comes to financial inclusion, this credit union walks the talk. It has developed unique programs to educate and serve each of its communities – regardless of income or credit status. MOCU’s mission has attracted a robust collection of community partnerships that include education, economic development, minority, and social service providers that have gathered to support the credit union’s programs. MOCU is a community leader and, working together,it is improving the quality of life in the communities it serves.First Kingsport Credit Union –$44.2-million credit union headquartered in Kingsport, TN.FKCU is a smaller credit union with a big “Can Do” attitude. FKCU thrives in a community that is full of mainstream financial providers because its focus is on serving the “little guys:” hard-working Americans who struggle to get by with wages that haven’t caught up with rising prices, and who have credit that has been challenged during tougher economic times. FKCU is that bridge that helps its members move from savings- and credit-challenged to stronger consumers with savings and improved credit profiles. Many if not most of these consumers would be left to predatory lenders, if not for the credit union’s mission to serve this frequently overlooked class of consumers.Collectively, these four examples reach tens of thousands of consumers annually who are usually overlooked by the financial “industry.”If we are a movement, what are we moving toward?I believe that, for the most part, the credit union space is still moving toward a better quality of life for the consumers and communities we serve. Hence, the credit union space is a movement, rather than an industry. This movement toward a better quality of life is reflected in the thousands of credit unions that still serve a large sector of the overlooked, and it’s also reflected in the significant community give-back that is consistently demonstrated by credit unions (and movement leaders) of all sizes and in all types of communities throughout the country.Moving toward a better quality of life is our best “why,” and if we remain firmly committed, it will continue to resonate with people who seek out and believe what we believe.last_img read more

Humans do impact climate change

first_imgCategories: Letters to the Editor, Opinion The Feb 18 letter, “Man-made climate change. Do the Math” from Rodger Anderson, appears to contain a serious math error. Mr. Anderson states that, as of 2007, National Geographic stated that atmospheric carbon dioxide levels were increasing at the rate of 2 parts per million (ppm) annually, and that “calculates at over 400 billion metric tons/year.” He then goes on to say that “National Geographic can only account for eight billion metric tons/year added to the atmosphere by humans.” Based on a math error, he then comes to the incorrect conclusion that “human activity must not be the cause for the rise in this greenhouse gas.”I redid the math. The National Center for Atmospheric Research gives the mean mass of the atmosphere as 5.148 x 10^18 kg, which is 5.148 x 10^15 metric tons. Two ppm of this number is 1.03 x 10^10 metric tons, or just over 10 billion metric tons.So, using the 2007 data from National Geographic, namely that humans contribute eight billion metric tons of carbon dioxide to the atmosphere each year, humans are indeed responsible for the great majority of the annual increase of 10 billion metric tons of this greenhouse gas, and hence global warming.Victor RobertsBurnt HillsMore from The Daily Gazette:EDITORIAL: Urgent: Today is the last day to complete the censusEDITORIAL: Beware of voter intimidationFoss: Should main downtown branch of the Schenectady County Public Library reopen?EDITORIAL: Thruway tax unfair to working motoristsEDITORIAL: Find a way to get family members into nursing homeslast_img read more

Twice champion Kvitova set for Wimbledon after stabbing

first_imgBy Simon Cambers in LondonTWICE champion Petra Kvitova is set to play at Wimbledon this summer, less than seven months after she was stabbed by an intruder in her home, a member of her support team told Reuters yesterday.The Czech, who required four hours of surgery to her left, playing hand after the December attack at home in her home city of Prostejov, has made a faster than expected recovery and could even be ready to play in the French Open, which begins in Paris on Sunday.“She is on track for Wimbledon,” Katie Spellman, Kvitova’s publicity manager, told Reuters. “She will make a last-minute decision this week about Roland Garros.”Kvitova, who won Wimbledon in 2011 and 2014, will be included on the official entry list for this year’s Championships, which will be released today.“The AELTC is always pleased to welcome former champions back to Wimbledon, and would be delighted if Petra Kvitova is able to compete in the Championships this year,” Wimbledon said in a statement to Reuters.“We wish her well with her ongoing preparations to return to competition.”ATTACKED AT HOMEKvitova was attacked at around 08:30hrs on December 20 by a man who gained access to her apartment block by posing as a utilities man, before holding a knife to her throat.In pulling the knife away, Kvitova sustained injuries to tendons in all four fingers and the thumb on her left hand. She said she was “shaken, but fortunate to be alive”.Doctors had said at the time the “best-case scenario” was that Kvitova could be playing tennis again within six months.Throughout her recovery, the 27-year-old has amazed everyone in her team with her positivity and belief that she would be back on Tour, and sooner rather than later.Last month, Kvitova said she had left her name on the entry list for the French Open, in part to ensure she had a positive mind-set as she continued her recovery.Earlier this month, she posted a photo of herself practising in Monte Carlo.The draw for the French Open is due to be made at Roland Garros on Friday.Given the physicality required to play on clay, and the stress of a grand slam, it would still be a surprise if she does take her place in the draw at Roland Garros.If she decides not to play, Kvitova is likely to look to play a warm-up event on grass before Wimbledon, the venue where she has achieved most success.One of the cleanest ball-strikers on the Tour, she won her first grand slam title there in 2011, when she upset Maria Sharapova in the final.In 2014, she won the title again with a crushing 6-3, 6-0 victory over Eugenie Bouchard in what is remembered as one of the best performances ever produced in the final.Her return would also be a welcome boost for the women’s Tour, especially with Serena Williams on maternity leave.Kvitova, who last played in the Fed Cup final against France on November 12, is ranked 16th.last_img read more

Participants Defy Rains to Run Corporate Challenge

first_imgParticipants at this year’s Nigerian Stock Exchange Corporate Challenge on Saturday morning defied the heavy downpour in Lagos as they turned out in their large numbers to compete at the 2017 edition.In a chat with THISDAY after the race, Media Relations Officer of Diamond Bank, Eze Anyanwu, said the aim of the race was to forge friendliness amongst corporate bodies as well as boost competitiveness among participants.“What we really wanted to achieve is socialization amongst corporate bodies and create awareness for cancer. However, there is cash prize for winners in the race, hence its competitive nature,” Anyanwu said. He said Diamond Bank would always be at the vanguard of anything that has to do with human lives, sports and giving back to the society.Also speaking on the Corporate Challenge, CEO of NSE, Mr. Oscar Onyema, said the race aside being a fun event and creating cancer awareness, “It was also an avenue to encourage people to keep fit and exercise themselves which helps to increase life expectancy and be more productive at work.”The race kicked off at Onikan Stadium with about 1,000 participants.Share this:FacebookRedditTwitterPrintPinterestEmailWhatsAppSkypeLinkedInTumblrPocketTelegramlast_img read more