Best Credit Union Tips To Ace The Ncua Examination Podcasts (2025)

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Understanding Risk Management: Culture, Appetite & Action 44:48

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6d ago44:48

44:48

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Overview In this episode, we break down the fundamentals of risk management for credit unions — what it really means, why it matters at every asset size, and how boards and executives can build a resilient framework that supports safe, sustainable growth. blog risk appetite What We Cov…

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Geoff Bacino - John McKechnie & Alonzo Swann - an EX- NCUA Roundtable 38:09

9d ago38:09

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ This week on With Flying Colors, I’m joined by three longtime colleagues from my days at NCUA — John McKechnie, Alonzo Swann, and Geoff Bacino — for a lively roundtable on where the agency stands today, what’s working, and what’s at risk. Together, we revisit our shared time inside NCU…

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Facing the Challenges of a CAMEL Code 4 28:52

14d ago28:52

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This is a special Archive Thursday episode of With Flying Colors. In this conversation with Steve Farrar and Todd Miller, we explore what it really means when a credit union is downgraded to a CAMEL Code 4. We discuss the implications for NCUA supervision, administrative actions, and how examiners begin building a formal record. You’ll learn about …

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Succession Planning: From Policy to Practice with David Reed 37:12

16d ago37:12

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this episode of With Flying Colors, Mark Treichel sits down with David Reed of Reed & Jolly to dive deep into the NCUA’s new succession planning rule and what it means for credit unions across the country. Too often, boards and executives focus on writing a policy—but not on the rea…

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The Art of Commercial Lending and the Role of Credit Culture 33:12

21d ago33:12

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In this archive episode of With Flying Colors, host Mark Treichel welcomes Vin Vitton, retired NCUA Senior Credit Specialist and longtime commercial banker, for an insightful discussion on credit culture—what it is, why it matters, and how it shapes a credit union’s lending success. Vin draws on his unique experience working on all three sides of t…

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Why Raising Deposit Insurance Could Hurt Credit Unions 17:31

23d ago17:31

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this solo episode, Mark Treichel breaks down a hot topic out of Washington: a Senate proposal to raise FDIC deposit insurance coverage from $250,000 to $10 million. Backed by Treasury Secretary Scott Bessent and Senator Elizabeth Warren, the idea is gaining traction — but what would…

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Corporate Governance in Credit Unions: What Matters Most to NCUA 45:42

28d ago45:42

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This Archive Thursday episode of With Flying Colors revisits a timely and important topic: corporate governance. Mark is joined by former NCUA colleagues Todd Miller and Steve Farrar to explore why governance issues are at the heart of many troubled credit unions. They cover: How poor governance can sink an institution — and how strong governance c…

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Elizabeth Eurgubian: Behind the Curtain at NCUA’s Communications Office 37:50

30d ago37:50

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this episode of With Flying Colors, I sit down with Elizabeth Eurgubian, Partner at Atlas Advocacy and former Director of External Affairs and Communications at the NCUA. Elizabeth brings a wealth of experience spanning the Federal Reserve, CFPB, Sallie Mae, ICBA, CUNA, and her time…

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Navigating NCUA’s Code 3 Challenges with Todd Miller and Steve Farrar 25:48

1M ago25:48

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This is a special Archive Thursday episode of With Flying Colors. In this conversation with Todd Miller and Steve Farrar, we dive into what happens when a credit union is downgraded to a CAMEL Code 3. We explore how NCUA approaches Code 3 institutions, what extra exams and follow-ups to expect, the impact of documents of resolution and regional dir…

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Trump, Reputation Risk, and NCUA’s New Rule 12:05

1M ago12:05

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this solo episode of With Flying Colors, Mark Treichel breaks down the NCUA’s proposed rule to eliminate reputation risk from its supervisory program — and the political spotlight surrounding it. Mark explains: Why the N C U A is codifying the removal of reputation risk into regulat…

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What It Means When NCUA Requires a CU to Conduct an Organizational Review 24:17

1M ago24:17

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This week we’re bringing back an archive episode of With Flying Colors that remains just as relevant today as when it was first recorded. I’m joined by Steve Farrar and Todd Miller, both longtime NCUA veterans and now part of my team at Credit Union Exam Solutions. Together, we break down what it means if NCUA directs your credit union to conduct a…

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Join Us at Sea: The 2026 CUES Cruise Awaits 13:22

1M ago13:22

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this episode of With Flying Colors, host Mark Treichel sits down with Scott Gladden and Kenny Ray Mitchell of Innovations Credit Union to preview the CUES Florida Council Cruise happening January 16–20, 2026. This unique event combines professional development, networking, and a Car…

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Why Does NCUA Ask to Meet with Your Board without CU Staff Present? 27:55

2M ago27:55

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In this special archive replay of With Flying Colors, Mark Treichel is joined by his colleagues Steve Farrar and Todd Miller — both former senior leaders at NCUA — to discuss why regulators sometimes ask to meet directly with a credit union’s board of directors without management present. They break down the nuances, including: When it’s routine vs…

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What NCUA’s 23% Staff Cuts Really Mean for Credit Unions 28:00

2M ago28:00

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By Mark Treichel's Credit Union Exam Solutions

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Credit Union Business Lending: Lessons, Risks, and Opportunities with Mark Ritter 31:07

2M ago31:07

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Episode Summary In this episode of With Flying Colors, I sit down with Mark Ritter, CEO of Member Business Financial Services (MBFS) and host of Credit Union Conversations. Mark brings decades of experience in credit union business lending, having built MBFS from a three-person startup…

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CAMELS Treading Water: What the Insurance Fund Numbers Reveal 13:27

2M ago13:27

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this episode of With Flying Colors, Mark Treichel breaks down the latest NCUA Board Meeting held on September 25, 2025. With only one agenda item—the NCUA Insurance Fund briefing—the discussion still revealed several key insights that credit union leaders need to know. From CAMELS c…

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Defending Credit Unions in DC: A Conversation with Jason Stverak of DCUC 24:56

2M ago24:56

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this episode of With Flying Colors, Mark Treichel sits down with Jason Stverak, Chief Advocacy Officer of the Defense Credit Union Council (DCUC), to discuss the pressing issues shaping the credit union movement. Key topics covered: 🇺🇸 Veteran Business Lending Cap: Why credit unions…

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Credit Unions vs. Banks: What Q2 Data Reveals 42:08

3M ago42:08

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Credit Unions vs. Banks: What Q2 Data Reveals In this episode of With Flying Colors, Mark Treichel is joined by Steve Farrar, Todd Miller, and Dennis Bauer to break down the latest Q2 reports from NCUA and FDIC. Together, they unpack what the numbers really mean for credit unions, bank…

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Rating Commercial Credit Risk - What NCUA Expects 32:02

3M ago32:02

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA's Commercial Loan Rule requires a rating system. I discuss what it requires with Vin Vieten, author of the rule.By Mark Treichel's Credit Union Exam Solutions

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Beyond Fraud Detection: Making AI a Strategic Partner in Credit Unions with Ray Ragan 37:09

3M ago37:09

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Former NCUA Executive Director Mark Treichel talks with Ray Ragan, CIO of Securityplus Federal Credit Union, about taking AI beyond fraud detection and call center scripts. Ray shares how credit unions can use the NIST AI Risk Management Framework to build board-approved policies, leve…

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Commercial Member Business Loan Risks vs Banks 2025 10:32

3M ago10:32

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ COMMERCIAL CREDIT RISKS Rising commercial credit risks - Why regulators are worried Work-from-home impact on commercial real estate Rate shock reality: 3-4% loans resetting to 6-7% Minneapolis downtown real estate down 25% CECL forecasting challenges and provision expenses NCUA's hyper…

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From NCUA to America’s Credit Unions: A Roundtable with John McKechnie & Geoff Bacino 39:14

3M ago39:14

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Episode Summary In this episode of With Flying Colors, I’m joined by two longtime friends and former NCUA colleagues — John McKechnie and Geoff Bacino — for a candid roundtable on the latest twists at the agency and across the credit union movement. From the legal limbo over NCUA board…

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Operational Risks in Credit Unions - What We See in 2025 7:46

3M ago7:46

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ OPERATIONAL RISKS Cyber incident response planning essentials Communication strategies for cyber incidents Legacy system conversion nightmares NCUA's helpful approach to cybersecurity findings Core system conversion best practicesBy Mark Treichel's Credit Union Exam Solutions

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NCUA Issues Tips on Starting an Exam Efficiently - What You Need to Know 52:09

3M ago52:09

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA recently posted new guidance on how to start an exam efficiently — and for many credit unions, it couldn’t come at a better time. In this episode of With Flying Colors, Mark Treichel is joined by Todd Miller, Steve Farrar, and Dennis Bauer to break down what’s in the guidance, why…

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IRR, the Interest Rate Evironment Credit Union Risk 11:25

4M ago11:25

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ INTEREST RATE ENVIRONMENT Fed policy uncertainty and tariff impacts Yield curve normalization: -35 to +50 basis points CD composition shift: 13% to 28% of deposits Credit unions adapting to "new normal" Investment portfolios still 6-7% underwater Examiner demands for enhanced stress te…

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Retail Credit Performance: Risks for Credit Unions 8:15

4M ago8:15

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ ETAIL CREDIT PERFORMANCE Student loan payment resumption impact Mixed economic signals across states 24 vs 26 states: unemployment trends Generational differences in borrowing behavior Venmo revolution: 85% of users under 40, $342B in Q1 transfers…

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You Can Appeal Anything to the Regional Director - Not Just What the Regulations Says 29:23

4M ago29:23

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA's regulation define what can be appealed. But you can appeal ANYTHING to the region. We discuss how whey and when you might want to do it.By Mark Treichel's Credit Union Exam Solutions

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Fraud Schemes - What Is ATM Jackpotting? 7:23

4M ago7:23

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ FRAUD SCHEMES [00:41:00] Timeshare resale fraud targeting elderly [00:44:00] ATM "jackpotting" - new threat explained [00:45:00] Skimming device sophistication [00:46:00] Universal key vulnerabilitiesBy Mark Treichel's Credit Union Exam Solutions

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Home Mortgage Disclosure Act (HMDA) Basics 28:37

4M ago28:37

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Home Mortgage Disclosure Act (HMDA) BasicsBy Mark Treichel's Credit Union Exam Solutions

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NCUA in Limbo: What the Board Shakeup Means for Credit Unions 15:35

4M ago15:35

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA in Limbo: What the Board Shakeup Means for Credit Unions Episode Date: July 28, 2025 Host: Mark Treichel Episode Summary The NCUA board is in complete chaos following President Trump's firing of board members Todd Harper and Tanya Otsuka, their court-ordered reinstatement, and sub…

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MBL Loans: Financial Analysis Credit Proposals & Global Cash Flow 37:48

4M ago37:48

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Global Cash Flow. What is it and why does NCUA care?By Mark Treichel's Credit Union Exam Solutions

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ALCO In Practice: Essential Reports Analysis & Risk Management 35:30

4M ago35:30

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ ALCO committees are of paramount importance. We take a deep dive into the nuances of this important committee and discuss Essential Reports Analysis and Risk ManagementBy Mark Treichel's Credit Union Exam Solutions

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The OCC's Risk Report and What It Reveals for Credit Union Exams 57:11

4M ago57:11

57:11

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Credit Union Roundtable: Mid-Year Risk Reports - Our Take on What it Means for CUs Episode Description In this inaugural Credit Union Roundtable episode, host Mark Treichel is joined by three industry veterans to break down the OCC's Spring 2025 risk report and what it means for credit…

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ALCO GOVERNANCE ESSENTIALS: BUILDING AN EFFECTIVE COMMITTEE STRUCTURE 13:04

5M ago13:04

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Is your ALCO Committee structured optimally? We can help you figure that out with this episode.By Mark Treichel's Credit Union Exam Solutions

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Sticky Deposits & Storm Clouds: What’s Ahead for Credit Unions? 30:59

5M ago30:59

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Episode Summary: In this episode of With Flying Colors, host Mark Treichel sits down with Thomas Griswold, Managing Director at ALM First, to explore the financial forces shaping credit unions in 2025 and beyond. From balance sheet risk to liquidity pressures and loan participation str…

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The NCUA Central Liquidity Facility and What You Need to Know 31:01

5M ago31:01

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Steve Farrar served as the VP of the CLF while at NCUA. Nobody understands the CLF better than Steve. In this archive episode, we deeply dive into this often misunderstood government entity.By Mark Treichel's Credit Union Exam Solutions

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What Should Be In Your Board Monthly Package According to NCUA 33:54

5M ago33:54

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ There is what is required to be in a board package, what you want in your board package, what your board wants, and of course what NCUA wants. We discuss how to satisfy NCUA.By Mark Treichel's Credit Union Exam Solutions

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Elizabeth Warren Demands Answers from NCUA Board Chairman Kyle Hauptman on Actions Since Trump Firings 28:45

5M ago28:45

28:45

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Did the Trump Firings Cause a Regulatory Crisis at the NCUA? Warren & Waters Demand Answers Episode Overview Mark Treichel breaks down the congressional response to President Trump's firing of NCUA Board members Todd Harper and Tanya Otsuka, examining letters from Senators Elizabeth Wa…

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Emergency Podcast: NCUA Conserves and Removes the Board of Aldersgate Federal Credit Union - Why its a Bold Move 14:09

5M ago14:09

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ The National Credit Union Administration today placed Aldersgate Federal Credit Union in Marion, Illinois, into conservatorship. Member services will continue while the NCUA works to resolve issues affecting the credit union’s operations. Member deposits at Aldersgate Federal Credit Un…

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Risk Appetite and Risk Management Framework 43:43

5M ago43:43

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA often asks what a credit union's Risk Appetite is, but doesn't provide much if any, guidance on the topic. We do.By Mark Treichel's Credit Union Exam Solutions

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NCUA's Examiners Guide & NSPM What You Need to Know 34:09

6M ago34:09

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA staff rely heavily on the examiner guide and the National Supervision Policy Manual. We discuss these documents and what they really mean for credit unions.By Mark Treichel's Credit Union Exam Solutions

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From Pit Bulls to NCUA Press Releases: A Week in the Life 8:42

6M ago8:42

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this short and slightly offbeat solo episode, Mark shares a personal tale of dog sitting gone sideways—with two lovable pit bulls, a well-intentioned checklist, and a humbling C-minus execution grade. But the real story is what the NCUA didn't do last week. The agency quietly cancel…

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Who Reviews Your NCUA Exam Before You See It? 28:58

6M ago28:58

28:58

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA requires some level of management review every exam before you see it. We explain why and how that impacts you.By Mark Treichel's Credit Union Exam Solutions

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NCUA’s Next Moves: Downsizing, Decentralizing, and Disrupting 28:44

6M ago28:44

28:44

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Episode Summary: In this episode, I dive into what NCUA might look like after its May 22nd downsizing — a 25% reduction in staff driven by Trump-era mandates for smaller government. Using clues from the agency’s own language, historical precedent, and my firsthand experience with past …

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Why Your CAMEL Code Is Even More Important Now 17:48

6M ago17:48

17:48

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ 📝 Episode Summary: In this post-Memorial Day episode, Mark dives into NCUA’s latest insurance fund update with a sharp focus on CAMEL codes—and why they matter more than ever in today's regulatory landscape. With NCUA facing staffing cuts, hiring freezes, and leadership questions, your…

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Credit Union Vs Banks: What You Need to Know About the Insurance Funds 43:43

6M ago43:43

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ The NCUSIF and the DIF are similar but different. Today we do a deep dive on that and more.By Mark Treichel's Credit Union Exam Solutions

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Trump’s Workforce Cuts Hit NCUA: What’s Changing - What’s Next -Special Edition 16:50

6M ago16:50

16:50

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Trump’s Workforce Cuts Hit NCUA: What’s Changing, What’s Next Show Notes In this episode of With Flying Colors, Mark Treichel breaks down the biggest NCUA update in years — a Trump-era Executive Order has triggered a 20% voluntary staff reduction at the agency. This May 22 board briefi…

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Documents of Resolutions & Project Management - What You Need to Know 24:20

6M ago24:20

24:20

www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Document of Resolutions can be complex or simple. Regardless, they usually have many steps that NCUA doesn't realize, but you need to track. We discuss the ins and outs of DOR project management in this archive episode.By Mark Treichel's Credit Union Exam Solutions

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Inside FHLB: Ryan Donovan Talks Liquidity, Housing, and Credit Union Opportunities 20:06

6M ago20:06

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this episode of With Flying Colors, host Mark Treichel reconnects with Ryan Donovan, President and CEO of the Council of Federal Home Loan Banks (FHLB). Ryan returns to discuss the evolving role of the FHLB system, its relationship with credit unions, and how liquidity is much like …

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NCUA's Hyper Focus On Corporate Governance in DORs 45:33

7M ago45:33

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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA is hitting corporate governance hard. In this episode we discuss why and what to do if it happens to you.By Mark Treichel's Credit Union Exam Solutions