Skip to main content

12 Ratios Every Marketing Manager Should Know (Part 1)

In 2011, creditunions.com published a series of articles on key ratios for board members that continues to be popular with our readers today. In this new four-part series, we explore key ratios specifically for marketing managers.........12 Ratios Every Marketing Manager Should Know (Part 1)

Comments

Post a Comment

Please no profanity or political comments.

Popular posts from this blog

2026 Volunteer of the Year Award

  www.ncofcu.org/voy ================================================= Remember, you're not alone with NCOFCU.org Join/Upgrade Check out some of NCOFCU's additional features: Advocacy   Annual Conference First Responder Credit Union Academy Financial Literacy Podcasts YouTube Mini's
Post a Comment
Read Complete Article HERE>»

The Federal Reserve decided to maintain the target range for the federal funds rate at 3-1/2 to 3-3/4

  Federal Reserve issues FOMC statement For release at 2:00 p.m. EDT Share The Federal Open Market Committee approved the following statement for release by a 9 – 3 vote: The Committee decided to maintain the target range for the federal funds rate at 3-1/2 to 3-3/4 percent, in support of the Federal Reserve's dual mandate. The Committee is continuing its policy of maintaining ample reserves in the banking system. Economic activity is expanding at a solid pace despite elevated uncertainty that owes, in part, to the conflict in the Middle East. Productivity growth and capital investment are strong. Job gains have kept pace with the workforce, and the unemployment rate has changed little. Inflation remains elevated relative to the Committee's 2 percent goal, in part reflecting supply shocks that have driven price increases in certain sectors, including energy. The Committee will deliver price stability.   Voting against the monetary policy action were Beth M. Hammack, Neel Kashk...
Post a Comment
Read Complete Article HERE>»

Making the Most of the Final Five Years Before Retirement

  NATIONAL COUNCIL OF FIRST RESPONDER CREDIT UNIONS RETIREMENT READINESS Making the Most of the Final Five Years Before Retirement A practical planning guide for first responders, credit union volunteers, employees, and their families Five years before retirement is an important checkpoint. It is the time to confirm what you have saved, understand the income you can expect, and decide whether your retirement plans match the life you want to lead.   1. Review Your Retirement Savings Start by taking a fresh look at your retirement accounts, personal savings, investments, and other assets. A retirement calculator can help estimate whether you are on track and show how additional saving during the next five years may strengthen your plan.   2. Identify Every Source of Retirement Income List the income you may receive in retirement, including pensions, Social Security, retirement-plan withdrawals, invest...
Post a Comment
Read Complete Article HERE>»

Sunday Reading - The Fab Four (Beatles)

  The Fab Four   The Beatles were a 20th-century British band credited with innovating the sound of popular music and, in the process, helping to legitimize rock 'n' roll as an art form. > How the Beatles became the most influential band on Earth. ( More , w/podcast) > Explore Abbey Road Studios, the site of the first ever stereo recordings and home to most of the Beatles' songs. ( More ) The intense fandom for the band, called Beatlemania, began in the United Kingdom in 1963 but did not initially translate into success in the United States. In fact, the band's American label rejected the band's first two singles. Eventually, the band gained tra...
Post a Comment
Read Complete Article HERE>»

Insurance Companies turn to private firefighters to cover their policy holders.

By Lyle Adriano Business Insurance Some insurers, like Chubb, are going the extra mile for select policyholders by sending in private firefighters to deal with wildfire threats before they become a problem. Insurer-provided wildfire mitigation services, while nothing new, has been making waves lately following the recent California fires. The extra service is getting so popular, that homeowners who had witnessed their neighbors’ homes being protected by private firefighters were inspired to purchase their own policies to enjoy the same benefits, some insurers said. “The enrolment has taken off dramatically over the years as people have seen us save homes,” Chubb senior executive Paul Krump told The Wall Street Journal . “It’s absolutely growing leaps and bounds.” Dick Fredericks, founding partner of Main Management Fund Advisors LLC in San Francisco and a former US ambassador to Switzerland and Liechtenstein, was one of the fortunate homeowners in Sonoma whose properties were...
Post a Comment
Read Complete Article HERE>»

NCUA Board Approves 11 Final Rules for Deregulation Project

Alexandria, VA (August 5, 2026) ― The National Credit Union Administration (NCUA) today finalized eleven rules that were proposed for changes through the Deregulation Project. This is the first round of final rules from the ongoing Deregulation Project which is an initiative to review NCUA’s regulations and ensure they are focused on credit unions’ safety, soundness, and resilience. The final rules include: This is an external link to a website belonging to another federal agency, private organization, or commercial entity. Surety and Guarantor Requirements – 12 CFR 701.20(c)(3) and 701.20(d) (Opens new window) This is an external link to a website belonging to another federal agency, private organization, or commercial entity. Limits on Loan to Other Credit Unions – 12 CFR 701.25(b) (Opens new window) This is an external link to a website belonging to another federal agency, private organization, or commercial entity. Service to Underserved Areas – IRPS 08-2 (Opens new window) This is...
Post a Comment
Read Complete Article HERE>»

Syracuse Fire Department Credit Union assists in making some happy holiday memories for needy kids.

Syracuse, N.Y. -  Firefighters were among the first to arrive on the scene when a 2-year-old girl was killed while playing with chalk on the sidewalk this summer. The girl's brother was also injured while another sibling watched it all happen. Saturday, the surviving siblings will be doing their Christmas shopping at Destiny USA with some Syracuse firefighters. "We saw them on the worst day of their lives. Now is an opportunity to make some happy memories," said Syracuse Fire Department District Chief John Kane. Nothing will erase the pain and loss the family feels. And nothing will erase the memories firefighters have of trying to save a child who was terribly injured. "It's a little something," Kane said. "Especially this time of year." The holiday shopping trips began five years ago, an idea of Syracuse Police Chief Frank Fowler. Syracuse police Officer Dennis Burlingame organized the event, and invited the fire department...
Post a Comment
Read Complete Article HERE>»

Report Probes Just How Sophisticated and Pervasive Fraud Has Become

BOSTON–Fraud threats facing credit unions are becoming more sophisticated and pervasive as digital banking expands and artificial intelligence tools enable increasingly complex attacks, according to new research and analysis from PYMNTS Intelligence .  The report said fraud has evolved from isolated incidents into a “persistent, systemwide threat” that affects every stage of the member journey, from onboarding and authentication to transactions and account servicing.  According to the report, fraudsters are increasingly using coordinated, multichannel schemes that challenge traditional fraud detection and response systems. PYMNTS Intelligence said attackers are no longer exploiting single vulnerabilities but are instead orchestrating broader campaigns involving impersonation, credential theft and unauthorized transfers.  The Findings Among the report’s findings, according to PYMNTS: One in 10 consumers encountered card fraud during the past year. Most fraud incidents occu...
Post a Comment
Read Complete Article HERE>»

National Council of Firefighter Credit Unions Partners with OMNICOMMANDER.COM for ADA Compliant Website Design and Hosting

National Council of Firefighter Credit Unions Partners with OMNICOMMANDER .COM for ADA Compliant Website Design and Hosting "OMNICOMMANDER Services" A NCOFCU Business Partner & 2018 Seattle GOLD Sponsor About OMNICOMMANDER OMNICOMMANDER is a veteran owned and operated credit union website design, social media and marketing firm. With a focus on member experience, the company ensures that every touch-point has the exact same user interface. Along with incredible design, OMNICOMMANDER creates sites with built-in mobile responsiveness, SSL encryption while observing ADA guidelines on accessibility for disabled members. For more information, visit OMNICOMMANDER on LinkedIn , Twitter , Facebook , and Instagram . Firefighter Friendly Founder...
Post a Comment
Read Complete Article HERE>»

What Credit Unions Can—And Can't—Do With New Trump Accounts

07/02/2026 09:36 am         WASHINGTON--With Trump Accounts set to officially launch July 4, America’s Credit Unions updated its frequently asked questions document to clarify the role of credit unions now and in the future. Credit unions do not have a role to play yet, as the Treasury has not announced steps to transition accounts from initial provider BNY Mellon to other authorized institutions, ACU noted. Trump Accounts are tax-deferred accounts that can be established on behalf of a child under the age of 18. Account contributions begin after July 4, with contributions up to $5,000 a year allowed. Created by H.R. 1, the law also established a pilot program to deposit a one-time $1,000 grant into accounts of children born between Jan. 1, 2025 and Dec. 31, 2028. Once the child turns 18, the account funds are available for educational expenses, home ownership, entrepreneurship, and other designated purposes. Once guidance is available from Treasury, credit unions ...
Post a Comment
Read Complete Article HERE>»