Thursday, December 31, 2015

Monday, December 28, 2015

NCUA Economic Update Video- December 2015

Published on Dec 23, 2015
The strengthening economy is good for credit unions, NCUA Chief Economist Ralph Monaco says, but there is still uncertainty about the economic outlook and future path of interest rates. Monaco discussed how economic conditions and the impact of rising interest rates in the National Credit Union Administration’s latest Economic Update YouTube video.

Sunday, December 27, 2015

You Just Never Know These Days!

An armed psycho reportedly fired 3 rounds at paramedics and stole their ambulance after calling 911 with complaints of "dizziness."

The unidentified woman was picked up by Birmingham Fire & Rescue Service ambulance at Birmingham Shuttlesworth International Airport this morning. At some point in the ride, the woman pulled out a gun and fired three shots inside the rescue truck. After she fired three shots there was a tussle but none of the BFRD personnel were injured severely.

The members managed to get out of the ambulance while the woman went for a what was described as a joy ride. The cops tracked her down and arrested her.: 

Take Care. Be Careful. Pass It On.

The Secret List 12-26-2015-1800 hrs

Saturday, December 26, 2015

[NCOFCU News] Meet our 2016 New and Re-affiliated Members

Welcome New Members!
Here's a warm welcome to our new and re-affiliated credit unions as of 12/25/15: 
Organization                                                    Membership Level
Firefighters First Credit Union                                   Gold
Houston Texas Firefighters FCU                             Gold
Newark Firemen FCU                                             Silver
The New Orleans Firemens FCU                             Silver
Akron Firefighters Credit Union                              Standard
Baton Rouge Fire Dept. Fed. Credit Union                Standard
Boston Firefighters Credit Union                              Standard
Cambridge Firefighters Federal Credit Union            Standard
Charlotte Fire Dept. Credit Union                             Standard
Chicago Firefighters Credit Union                            Standard
Chicago Fireman's Ass'n. Credit Union                    Standard
Dayton Firefighters Fed. Credit Union                     Standard
FASNY Federal Credit Union                                   Standard
FireFighters Credit Union, OK                                  Standard
Haverhill Fire Department CU                                  Standard
Jacksonville Firemen's CU                                      Standard
Long Beach Firemens                                             Standard
Lowell Firefighters CU                                              Standard
PFD Firefighters CU                                               Standard
Richmond Virginia Fire Police Credit Union Inc      Standard
San Diego Firefighters Fed. Credit Union                 Standard
San Francisco Fire Credit Union                              Standard
Spokane Firefighters Credit Union                           Standard

Join our growing network of Firefighter Credit Unions!  Click HERE for more information on enrolling your credit union or business as a NCOFCU member!

Thursday, December 17, 2015

Federal Reserve announced an increase in the Federal Funds

The Federal Reserve announced an increase in the Federal Funds interest rate for the first time in nearly a decade Wednesday, following a two-day Federal Open Market Committee member meeting. The target range is now 0.25% to 0.50% and will take effect on Thursday, Dec. 17th

Yellen said the members of the FOMC will monitor the impact their actions may have on markets in the short term. This will give the Fed the necessary tools to use in the event their actions have an unforeseen negative impact on the economy, she added.

In a statement released by the committee following the FOMC meeting, which ended Wednesday, the Fed cited the decline in energy prices and the prices of non-energy imports for keeping inflation below the committee’s 2% longer-run objective. Additionally, the committee report expressed confidence that the medium term will see the 2% objective come to fruition.

Trade organizations and industry leaders expelled their collective breaths when the announcement was made.

“Finally, we can all get back to work now and quit speculating on when rates will eventually rise,” CUNA Chief Economist Bill Hampel said in a statement.

NAFCU Chief Economist Curt Long added, “As far as credit unions are concerned, our forecast is for continued growth in lending in 2016. Households are in a strong position with low unemployment, falling gas prices, low debt service costs and early signs of wage growth.”

In response to the question of when the next rate raise could be expected, Yellen said she would not provide a formula for anticipating an additional rate raise, but stated the FOMC will continue to look for market improvements in employment, labor participation rates and wage growth.

The two-day meeting concluded the FOMC’s meetings for the year. The next one is scheduled for Jan. 26 and 27, 2016.

Saturday, December 12, 2015

Baton Rouge Firefighters CU Rolls Out Auto Link & myEZ Car Care

Baton Rouge Firefighters CU is now offering Auto Link  (a NCOFCU Business Partner) through their credit unions website with the brand new Virtual Test Drive (VTD) feature..

Auto Link the only one that presents a Virtual Test Drive to members when they are looking for a vehicle (this is a new feature) and they are the only ones that provide a 3 year VIP Plan membership to myEZ Car Care with auto product and service discounts with a Electronic Glove Box®, desktop and mobile app.

Their members can now;
  • Learn about the car buying experience
  • Search for a New or Used Vehicle
    • Check for Manufacturer Rebates
    • Check used car auto values
    • Get a Vehicle History Report
    • Check Safety Ratings
  • Do a Virtual Test Drive (VTD)
  • Find/Locate a Car
    • Receive a TrueVale price 
  • Finance directly through the credit union
And never loose your credit unions branding!

For more information about Auto Link Contact;
Ed Bourgeois
myEZ Car Care, LLC
LA Credit Union Center
824 Elmwood Park Blvd, Suite 225
Harahan, LA  70123


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Wednesday, December 9, 2015

Boston Firefighters' credit union to move into cop-heavy neighborhood

Boston Firefighters Credit Union has made plans to open in West Roxbury, down the road from a rival credit union that it fought in court earlier this year for the right to serve the city’s police officers.
Boston Firefighters filed notice with the Massachusetts Division of Banks late last month to open an office at 2029 Centre St. in West Roxbury, a neighborhood known for its high percentage of cop and firefighter residents. The location is a former Eastern Bank branch that closed earlier this fall.

President and CEO John “Bernie” Winne said the credit union has been actively looking for a space in or near West Roxbury for the past year and a half. The former Eastern branch is appealing because it is already built out as a financial institution and, at approximately 1,400 square feet, is a desirable size, he said. Should the Division of Banks allow the move, “we’ll be able to get in pretty quickly, without having to spend a whole lot of money,” Winne said. The location would be Boston Firefighters’ second. It currently has an office in Dorchester.

In February, a Superior Court judge confirmed that Boston Firefighters can accept Boston police officers and other law enforcement personnel as members, after the City of Boston Credit Union sought a court order prohibiting its rival from opening its ranks. State regulators had previously approved of the expanded membership.
Since the beginning of the year, Boston Firefighters’ membership had surged nearly 10 percent as of September, from 7,030 to 7,693 members. Its total assets are up nearly as much, by about 8 percent, to $226 million. The City of Boston Credit Union’s membership ranks have also increased, though by a smaller percentage. The City of Boston Credit Union has an office less than half a mile down the road from the proposed Boston Firefighters location, on Spring Street.

Winne said that while law enforcement officers have formed a portion of the new membership this year, the new members also include new Boston firefighters, firefighters elsewhere in the state, and families of firefighters. He downplayed any fight for customers between the West Roxbury branches, saying Boston Firefighters has long known it would eventually need a second location. “We’re not trying to take business away,” he said. “What we’re doing is trying to provide an alternative to police officers who value the way we do business."

Tuesday, December 8, 2015

Diana Dykstra named President of Western CUNA Management School

Diana Dykstra named President of Western CUNA Management School; Dr. Michael Steinberger named Dean of Academics

Ontario, CA (December 7, 2015) — Western CUNA Management School (WCMS) Board of Trustees have announced that—after 44 years of exemplary service—Dr. James D. Likens will retire at the end of 2015, and have selected California and Nevada Credit Union Leagues President and CEO Diana Dykstra to serve as president of the school. In addition, the Board of Trustees are pleased that Dr. Michael Steinberger has agreed to expand his role and will now serve as the dean of academics.

In this new role, Dykstra will help guide WCMS as the school moves into a new era of credit union leadership development. She will serve as the executive lead and as a direct connection between the school and the credit union movement throughout the Western United States. Partnering with Dykstra in this effort, Dr. Steinberger will serve as the academic lead and be the primary driver in the development of future focused leadership development programs for the students of WCMS.

Dykstra is a 1992 Honors graduate of WCMS and has served as the president and CEO of the California and Nevada Credit Union Leagues since 2010. She has been a project reader and a popular instructor at the school for 18 years. Diana is a sought-after speaker and an influential voice in the credit union movement.

“The Board of Trustees is honored that Diana has agreed to serve as the president of WCMS as we make this important transition from 44 years of Dr. Likens’ leadership. Her work on campus and her leadership role in the credit union movement will be critically important as the school works to meet the ever changing leadership development needs of today’s credit unions.” said Gene Pelham, WCMS Board Chairman and president and CEO of Rogue Credit Union in Oregon.

Dr. Steinberger—a highly regarded associate economics professor and recent department chair at Pomona College in Claremont, CA—joined WCMS in 2006 as associate dean. He graduated from the University of California at Berkeley with majors in economics, political science, and statistics; earned a Ph.D. in economics from the Massachusetts Institute of Technology; and in 2004, joined the faculty of Pomona College. His research has been cited in cases before the US Supreme Court, and he has made research presentations at several government agencies, including at the Consumer Financial Protection Bureau. Dr. Steinberger also serves on the Supervisory Committee of First City Credit Union in Los Angeles and on the board of TRUST for Credit Unions in Washington, D.C.
Dr. Likens—recently appointed by the board of trustees as dean emeritus— commented: “This is great news. Michael will bring to WCMS academic leadership of the highest order. How lucky we are to have him.”

“Michael has been instrumental in building a strong academic program for our students,” said Dykstra. “Under Dr. Likens’ mentorship he has been fully immersed in the schools ethos and I am fortunate to have the opportunity to work with him to build upon the legacy of Dr. Likens.”

“At 13 years of age I followed in the footsteps of my parents and opened my first credit union account. I am a beneficiary of and sincere believer in the credit union ideals of people helping people,” said Dr. Steinberger. “I am honored that the Board of Trustees has chosen me to partner with Diana in carrying on Dr. Likens’ work at WCMS preparing the next generation of credit union leaders.”

“We are fortunate to have a credit union movement icon like Diana leading our administrative efforts and an award-winning educator like Michael leading our academic efforts,” said Pelham. “Diana and Michael have been instrumental in WCMS’ past success and we are so excited about what this partnership means for the future success of the students and faculty of WCMS.”

Dr. Likens’ official retirement date is December 31, and Dykstra and Dr. Steinberger are already at work building the strategic plans and curriculum for the 2016 session of Western CUNA Management School.

About Western CUNA Management School

WCMS serves credit unions in the 13 western states of Alaska, Arizona, California, Colorado, Hawaii, Idaho, Nevada, New Mexico, Montana, Oregon, Utah, Washington, and Wyoming. It is sponsored by the Alaska Credit Union League, California Credit Union League, Credit Union Association of New Mexico, Hawaii Credit Union League, Idaho Credit Union League, Montana Credit Union Network, Mountain West Credit Union Association, Nevada Credit Union League, Northwest Credit Union Association, and Utah Credit Union Association, in cooperation with Pomona College in Claremont, CA. Graduates who have developed their skills and knowledge at the school occupy positions of leadership and responsibility at some of the nation’s leading credit unions.


Nancy Wood
Director of School Administration
Western CUNA Management School

Thursday, December 3, 2015

Houston Texas Fire Fighters FCU Board Announces New Chief Executive Officer

The Houston Texas Fire Fighters Federal Credit Union Board of Directors is pleased to announce the appointment of Steve Gilman as the credit union's new Chief Executive Officer, replacing Clint Hartmann, who is retiring in March 2016, after serving 11 years as the credit union's president and CEO.

Gilman is a seasoned credit union executive with 39 years of financial institution experience. He has served as president/CEO of Members Choice Credit Union in Houston, Texas, since 2007 where he grew assets to $500 million from $200 million over an 8-year period. He will officially begin at HTFFFCU on January 4.

“HTFFFCU is excited to have Mr. Gilman join our management team. He is a proven leader who will bring the highest level of financial experience and management skills to our organization,” Hartmann stated.

An active member of the credit union movement, Gilman serves on various local boards and committees. At the state level he serves as a member for the Texas Credit Union Commission, CCUL’s governmental affairs committee and is also currently chairman of the Houston Chapter of Credit Unions. He is a past president of the Credit Union Managers Association of Southeast Texas (CUMASET) as well as the Cinco Ranch Rotary Club in Katy.

Gilman received a Bachelor of Science degree in Business Administration from California State University.

Houston Texas Fire Fighters Federal Credit Union
Houston Texas Fire Fighters Federal Credit Union currently has more than 16,000 members in the Houston, Texas area. It offers a full line of financial products and services, including mortgages and business products. Membership is open to the City of Houston firefighters and eligible family members.

Wednesday, December 2, 2015

Dayton Firefighters Federal Credit Union is the latest credit union to join a national shared branching network.

Dayton Firefighters Federal Credit Union is the latest locally based credit union to join a national shared branching network.

The service, which will be offered in 2016, will let members of another credit union conduct transactions at Dayton Firefighter's and lets their members conduct transactions elsewhere like they are at their home credit union.

The Dayton-based credit union only has one brick and mortar branch in the Oregon District, and marketing manager Shannon O'Neill said joining the shared branching network is an efficient way to increase access without building more expensive branches.

"We can't build a branch on every corner but what we can do is allow our members to have access when and where they need it," she said.

With 5,340 locations, the shared branching network is the third largest branch network, behind Wells Fargo and Chase. There are 44 shared branching locations in greater Dayton, with participating credit unions like Wright-Patt Credit Union and Day Air Credit Union.

The credit union will pay when its members do transactions at other branches and will get income when members come to its Patterson Boulevard branch. O'Neill anticipates the credit union mostly paying for its customers to access other branches instead of taking in revenue from outside customers coming to their branch.

However, she said the model is still the most cost-effective way to keep members by giving them access anywhere.

According to Dayton Business Journal research, Dayton Firefighters Federal Credit Union is the 13th largest credit union in the Dayton area with $51.61 million in assets and 4,103 members.

Monday, November 23, 2015

Proposed Rule on Field of Membership Offers Regulatory Relief, Growth Opportunities

NCUAnewslayoutNCUA Board Proposes Sweeping Field-of-Membership Reform
Millions of Americans who need affordable financial services would be eligible for credit union membership under a proposed field-of-membership modernization rule (Part 701) unanimously approved by the NCUA Board.

“There is nothing more vital to the future of a credit union than the ability to attract new members,” Board Chairman Debbie Matz said. “Our vision is to enable federal credit unions to reach potential members from all walks of life. With this proposed rule, we would expand consumer choice, increase access to affordable financial services and provide regulatory relief to a wide range of federal credit unions. At the same time, we will keep the federal charter competitive with state charters that allow more permissive field-of-membership rules.”
Consistent with the limitations outlined in the Federal Credit Union Act, the proposed rule would amend NCUA’s chartering and field-of-membership rule by:
  • Modernizing the definition of “multiple common bond” to streamline the process for adding new groups to a charter;
  • Enlarging the pool of potential members by expanding the areas that may be served by a community charter;
  • Updating the process of defining an “underserved area;”
  • Revising the “rural district” definition to include populations of up to 1 million people; and
  • Expanding the definition of a “trade, industry or profession” as a single common bond.
Matz said the proposed rule was in large part the result of work by the Field-of-Membership Working Group she appointed in December 2014. NCUA Board Vice Chairman Rick Metsger had previously called on the agency to reform its field-of-membership rules.
“I would like to express our sincere gratitude to everyone who participated on calls with the NCUA Working Group,” Matz said. “Over the last 11 months, staff heard from hundreds of stakeholders from every region in the country. As a result, this proposal includes creative ideas, and we look forward to more input during the comment period.”

Pages - Proposed Rule on Field of Membership Offers Regulatory Relief, Growth Opportunities

Friday, November 20, 2015

Firefighters First Credit Union celebrates its 80th Anniversary.

LOS ANGELES, CALIFORNIA – As the trusted provider of premier financial services to its fire family, Firefighters First Credit Union is proud to celebrate its 80th Anniversary.

Founded on November 16, 1935, the Credit Union’s journey began at the depth of the great depression above Fire Station 28 in downtown Los Angeles. A few senior firemen pooled their money in an old cigar box, to help younger firefighters in need. This common bond created personal and trusting relationships, which became the foundation for the Credit Union. Within the first 13 months of operation, the Credit Union had reached $90,000 in assets and had over 800 members.

To recognize this important milestone, the Credit Union began its celebration early. In fact, the celebration began 80 days prior to its anniversary day of November 16. Festivities included in-branch appreciation days and online prize giveaways. Exclusive social media campaigns provided members with the opportunity to share photos, meet at off-site locations, and more. The celebration was capped off with festivities at each of its branch locations with a catered lunch and awarding of a $5,000 vacation sweepstakes.
According to Mike Mastro, Firefighters First CU President/CEO, “I am honored to have worked with our very special firefighter members for over 35 years. Through their loyalty, we’ve been allowed to hold true to our 80-year legacy of improving the financial lives of our Fire Family.”

While the Credit Union has grown over the years, its focus and dedication to the Fire Family remains unwavering. The Credit Union is focused on delivering legendary service for each member and it shows in its member satisfaction scores. Differentiated through member ease of use, and a trusted financial adviser, they know their members interests & needs and provide that personal touch that firefighters appreciate. Add to that no fees, profit sharing and an exclusive membership.

With a strong fire community alignment, they are able to  provide investment services, insurance service and small business banking. Plus, they are able to give back to the fire community through our charitable hand of Fire Family Foundation.

For more information, please visit

Saturday, November 7, 2015

NCOFCU 2015 Nashville, TN. Conference Recap

The National Coalition of Firefighters Credit Unions Inc (NCOFCU) just concluded its 2015 conference. It was attended by a record breaking 240 firefighters, staff and guests.

Wednesday night’s Welcome Reception was a hit with our special (look alike) guest Dolly Parton. She welcomed everyone to Nashville, posed for pictures and sang a few songs, great time welcoming old friends and meeting new ones.

The conference was opened by NCOFCU Board Chairman Michael R. Tobler, CEO Albany Firemens FCU, who introduced Bonnie Sensing CEO Nashville Firefighters CU, host credit union. She then introduced retired Chief, Charles M. Vance for the invocation followed by Fire Chief Rick White and Fred Robinson President Tennessee CUL.

Chairman Michael Tobler then presented a “Thank You” plaque to Bonnie Sensing for hosting the conference. Francis Reed CEO of Firefighters CU received “Letter of Appreciation” for being a founding board member. Clint Hartmann retiring CEO Houston Texas Fire fighters FCU received NCOFCU’s “Lifetime Achievement Award” for his outstanding service to NCOFCU and the credit union industry.  

Tim Harrington, CPA spoke on Enlightened Leadership followed by a very notable line up of speakers over the next 2 days, Michael Lozoff ESQ, Shutts & Bowen, Murray Halperin President, Biz-Lending, Prescott Ford Managing Director, First Empire, Steven Rick Chief Economist, CUNA Mutual Group, Myra Toeppe Director D-3, NCUA, Jeff Carpenter CUNA, and Leo Vaulin CEO, CU-South.

Thursday afternoon exhibitors had their opportunity to meet and great the attendees and award prizes for visiting their booths.

Our Friday night closing dinner at the Wildhorse Saloon gave everyone a chance to feel the Nashville vibe. Attendees danced, ate and drank the night away while wild horses ran across the ceiling.

This year we went country next year we are going West to Denver, CO! Reserve the dates September 28th – October 1st, 2016 at the Grand Hyatt in downtown Denver.

The National Credit Union Administration recovesr nearly $400 million for member credit unions.

Consumer Protection, Inside the Beltway
Friday, November 06, 2015
The National Credit Union Administration recently announced a pair of settlement actions that will allow the agency to recover nearly $400 million for member credit unions.
The first is an agreement with Barclay’s Capital for $325 million to resolve claims from losses related to residential mortgage-backed securities by corporate credit unions that went bad. NCUA filed suit against Barclay’s in 2012 and will dismiss pending suits against the company with the settlement.
Barclay’s does not admit fault in the settlement. NCUA said it will use the net proceeds to reduce Temporary Corporate Credit Union Stabilization Fund assessments charged to federally insured credit unions to pay for the losses caused by the failure of five corporate credit unions.
“In order to help minimize losses and future costs to the credit union system, NCUA is committed to pursuing recoveries against financial firms we maintain contributed to the corporate crisis,” NCUA Board Chairman Debbie Matz said in a statement announcing the action. “The agency has a statutory obligation to secure recoveries for credit unions and ensure that consumers remain protected, and we take that responsibility very seriously.”
NCUA continues to pursue litigation in federal courts in New York, Kansas and California against financial firms, including Goldman Sachs, UBS, Credit Suisse and Morgan Stanley, based on the sale of faulty securities. The agency has other litigation pending against securities firms alleging violations of state and federal anti-trust law by manipulation of interest rates through the London Interbank Offer Rate (LIBOR) system.
In addition, Wachovia agreed to pay $53 million to resolve the agency’s claims arising from losses related to purchases of the securities by corporate credit unions. That brings the total amount recovered from the RMBS defaults to $2.2 billion.
NCUA filed suit against Wachovia in 2011. Wachovia does not admit fault in the settlement. 

Friday, November 6, 2015

Credit Unions and Dealing With An Active Shooter

A Powerful, Free Video Worth Watching  NOTE: Contains  replicated violence! May not be suitable for all viewers.
The Department of Homeland Security and the city of Houston have created a very powerful, free, six-minute video on the “Run, Hide, Fight” approach that should be shown to all credit union employees.  It is now the legal obligation of employers to provide a safe working environment for employees. By incorporating active shooter training as part of your existing life safety program, you should be able to adopt them with minimal disruption and anxiety to your workforce.

SAVE THE DATE National Coalition of Firefighters Credit Unions Inc. - 2016 Denver Conference

Denver is a top-rated event,  future-focused and themed around idea-sharing and innovation! 
Where Credit Union Leaders Connect!

September 28 - October 1, 2016 Denver, CO
"By Firefighters For Firefighters"
“Great things happen when firefighters come together. Our Face-to-face interaction is the platform where collaboration begins, relationships are forged, and ideas are generated.”
The key aspects of this meeting will focus on the structured round table discussions among the attendees from the credit union community. Participants will have the opportunity to sit in on breakout sessions covering a variety of subjects of key interest to credit unions.You'll walk away with:
  • Tools and techniques from credit union leaders
  • Fresh and innovative business strategies – from growing your products to being ready for the next wave of change
  • What you really need to know about the firefighter credit union environment
  • New connections from open forums, networking receptions and special events.
 It is never too early to book your rooms!  Grand Hyatt Hotel & Convention Center
Come early stay late, lots to see and do in Denver, CO and the surrounding communities!
Welcome to the Grand Hyatt Denver, in the heart of downtown Denver, a block from the 16st. Pedestrian Walkway. You can access the very best the city has to offer in a setting without compromise.
For group registrations or any registration issues, please address them to AMANDA POPP  Event Planning Manager Grand Hyatt Denver 303.603.4067 or  Grant Sheehan 305-951-3306 /

National Coalition of Firefighters Credit Unions Inc. - 2016 Denver Conference

Wednesday, November 4, 2015

Free Webinar: What’s New at AffirmX?

Webinar: What’s New at AffirmX?

Free webinar offered Nov. 17 and Nov. 19

Since launching its revolutionary Risk Intel Center platform a few years ago, AffirmX has continued to enhance its patented solution based on input from NCOFCU users and to meet ever-expanding regulatory requirements. If you're unfamiliar with AffirmX's innovative solution, or if it has been awhile since you've seen what it can do, here is your chance to get quickly up to speed on how it can help your credit union reduce workloads, anxieties and costs. This webinar will cover:
  • The six top features of the Risk Intel Center, including two new features our clients love
  • An overview of the new credit union compliance solution called AffirmX Lite
  • An introduction of the new Vendor Management Module.

For your convenience, this one-hour webinar will be offered at your choice of two times. Reserve your spot today:

What's New at AffirmX Webinar #1
Tuesday, Nov. 17, 11 am Eastern

What's New at AffirmX Webinar #2
Thursday, Nov. 19, 2 pm EasternRegister here:

Tuesday, October 20, 2015

The American Heart Association recently released updated recommendations for performing CPR

The American Heart Association recently released updated recommendations for performing CPR that include new suggestions for chest compression's and using mobile apps to increase the likelihood that bystanders can step in to help those in cardiac arrest.

To better assist the more than 326,000 people who experience cardiac arrest outside of a hospital every year, the American Heart Association (AHA) updated its CPR guidelines last week.

The new recommendations are aimed at bystanders untrained in CPR and include updates to the number of advised chest compression's per minute, as well as highlight the importance of calling 911 so dispatchers can walk those providing resuscitation through the process.

“Every able-bodied person should be able to respond to cardiac arrest by at least recognizing it, calling 911, and doing chest compression's,” Robert Neumar, M.D., Ph.D., immediate past chair of AHA’s Emergency Cardiovascular Care Committee, said in a statement.

The guidelines recommend untrained bystanders perform hands-only CPR—a technique in which people push hard and fast on the center of the chest without breaths. AHA pushed this type of CPR last year during its National CPR and AED Awareness Week with the help of song mashups created by mashup artist DJ Earworm. The specially created songs pulsed at 100 beats a minute to help those performing CPR deliver the recommended 100 compression's per minute.

But those tunes may no longer be as helpful as AHA’s new guidelines now recommend up to 100-120 compression's per minute. AHA also recommends that those trained in CPR perform two breaths for every 30 compression's.

Mobile phones can also help ensure more people in cardiac arrest get the help they need in a timely manner, the association highlighted. It’s urging U.S. cities to use mobile app technology that locates and alerts bystanders within a certain distance when someone is in need of CPR. The recommendation is based on a Swedish study that found bystander CPR was initiated in 62 percent of cardiac arrests among a group of people that received phone alerts as opposed to 48 percent of the time among a group that did not receive alerts.

Updated every five years, the CPR guidelines are evaluated via a process that includes more than 250 experts from the International Liaison Committee on Resuscitation, which includes AHA as a member. According to AHA, roughly 90 percent of those who experience cardiac arrest outside of a hospital die.

Monday, October 19, 2015

Help 30 Impacted Firefighters Who Lost Homes

Fire Family Foundation, Oakland Firefighters Random Acts Create Unique Partnership
To Help 30 Impacted Firefighters Who Lost Homes;
Public Can Help Support Firefighters in Need

Pasadena, Oakland, October  19, 2015:   While they were out fighting the devastating wild land fires in Northern California, 30 firefighters returned to find their own homes  gone, destroyed by the Valley Fire, Middletown Fire, Jerusalem Fire, Butte Fire and many more.  

Now fire charities and departments are coming to the aid of these homeless firefighters in a unique, creative and unprecedented way. 

Fire Family Foundation is partnering with Oakland Firefighters Random Acts to connect 30 fire departments to the 30 firefighters who lost their homes.  The Foundation is providing $1,000 initial money to each participating fire department (a total of $30,000).  After learning their adopted firefighter’s immediate short term needs, fire departments will create a list, shop and deliver necessary items. The overall process encourages fire department members to take on the role of Big Brother and Big Sister to their fellow firefighters in need.
“These 30 firefighter lost their homes while simply out doing their job, to protect the homes of others,” says Larry Hendricks, Executive Director, Oakland Firefighters Random Acts. “We are asking both the firefighters of other departments and the community as a whole, to thank our firefighters by supporting Helping Firefighters Heal Fund with a donation.  Before the ashes go cold, they need a helping hand.”

“We are starting with $30,000 to help these firefighters,” explains Robin McCarthy, Executive Director, Fire Family Foundation. “The Foundation recently raised funds for the residents of Middletown and surrounding communities, pledging 100% of those funds for fire victims.  But now it’s our firefighters who need help.  Helping Firefighters Heal offers a unique opportunity to thank those people who give so much of their lives to saving others and others things.  Lend a hand to someone who answers the call so often. And all gifts are tax deductible.”  

Mike Mastro, Chair of Fire Family Foundation and CEO/President of Firefighters First Credit Union, states, “Fire Family Foundation, our charitable hand of Firefighters First Credit Union, has challenged our  more than 32,000 members to come to the aid of their fellow firefighters. The Foundation pledges that 100% of the donations will be directed to the 30 firefighters in need.”
 Fire Family Foundation responds when tragedy affects firefighters and fire victims.  A nonprofit founded by Firefighters First Credit Union, Fire Family Foundation offers immediate assistance to firefighters and their families, fire victims, fire departments, and charities.  The Foundation believes that by coming together as a “Fire Family,” assistance can be provided to those impacted by fire.  For more info, go to: 

"Random Acts" is a nonprofit organization that provides a central location where Oakland Firefighters can request funds and resources to help people in need in the community and on their 911 emergency calls.  Their mission statement is "Creating a positive difference in the lives of individuals through Random Acts of Kindness".  Their motto is "No Egos, No Badges, No Resume Builders".  There are no paid positions.  Everyone involved serves voluntarily and from their hearts.  For more info, go to:

Robin McCarthy,  Fire Family Foundation  (323) 550-2208
Larry Hendricks
,  Oakland Firefighters Random Acts   (707) 328-4356 c    (707) 823-3582 h

Thursday, October 15, 2015

CUNA Mutual Group Debuts New Transportation Collateral Protection Enhancement

CUNA Mutual Group Debuts New Collateral Protection Enhancement

Protects Credit Unions Against New Risks Related to Transportation Network Companies

MADISON, Wis.--(BUSINESS WIRE)--CUNA Mutual Group is enhancing its Collateral Protection solutions for credit unions to address emerging risks to their loan portfolios related to the growing popularity of Transportation Network Companies (TNCs) like Uber and Lyft.
“So there would be no coverage for the credit union in this situation. That’s why we created the TNC endorsement to cover credit unions should this occur.”
A new no-cost TNC endorsement to CUNA Mutual Group’s Collateral Protection Blanket Auto policy protects credit unions from potential loan losses due to damage caused while a borrower is operating as a TNC driver. The new coverage became effective Oct. 1, in most states. State National Companies, CUNA Mutual Group’s alliance partner for Tracked Collateral Protection Insurance, will also be adding a similar, no-cost endorsement for Tracked CPI customers.
Ride sourcing organizations such as Lyft and Uber enable individuals to use their personal, non-commercial vehicle as a livery, or taxi-type service through a mobile app managed by the TNC that connects passengers with drivers. Drivers are attracted by the opportunity to be their own boss, work a flexible schedule and earn extra income.
However, most personal auto policies don’t include coverage for commercial use, and state legislation doesn’t require TNCs to provide comprehensive/collision coverage, said Al Olson, CUNA Mutual Group staff underwriting specialist. As a result, many drivers aren’t aware they may not be adequately covered when driving for a TNC.
“TNC drivers might think their personal insurance will cover them if they are in an accident while ‘on the job,’ but that may not be the case,” Olson said. “If physical damage occurs and there is no insurance coverage, the likelihood of drivers defaulting on their auto loans increases, which creates a potential loss exposure for lenders.”
Although a credit union may have collateral insurance in force to protect their loan portfolio, standard collateral insurance coverage excludes vehicles while used for “public or livery conveyance,” Olson added. “So there would be no coverage for the credit union in this situation. That’s why we created the TNC endorsement to cover credit unions should this occur.”
To learn more, attend CUNA Mutual Group’s Discovery Conference on Oct. 21, to participate in a live chat about “Uber, Lyft and Your Rising Loan Risk” at 10:10 a.m. CDT, in the “Protect Your Loan Portfolio” booth located in the conference’s Solutions Center. Registration for the event is free.
About CUNA Mutual Group
CUNA Mutual Group was founded in 1935 by credit union pioneers, and the company’s commitment to their vision continues today. CUNA Mutual Group offers insurance and protection for credit unions, employees and members; lending solutions and marketing programs; TruStage™-branded consumer insurance products; and investment and retirement services to help customers build financial security. For more information, go to

Monday, October 12, 2015

NCOFCU business partner Auto Link was a real HIT at the 2015 Conference.

NCOFCU business partner Auto Link was a real HIT at the 2015 Conference. Ed Bourgeois  demonstrated to each credit union how their program would look and operate
within their website. Contact Ed now for you free demo,

Your credit union has the best rates on loans and products, but only 15.74% of the national auto market share went to credit unions in 2014 — down 7.2% from 2013.
The online shopping paradigm shift is changing the way your members buy vehicles and get auto loans.

Auto Link™ is a complete member marketing package for your credit union that will increase auto loan revenue by engaging your members in the new digital world. 

Now special discounts for NCOFCU Members, visit NCOFCU Member Benefits 

Plus Your Members Get a myEZ Car Care® VIP package

Get continual marketing touch points to engage your members throughout the entire vehicle ownership lifecycle.

Any member with a vehicle will enjoy the savings and convenience of using your credit union branded wallet card and mobile or desktop app to save money and properly care for their vehicles.
Your credit union will be top of mind as the myEZ Car Care® program continually reminds them of how you care about their vehicle ownership experience.
myEZ Car Care® membership comes with discounts on the following services:
  • Vehicle Repair, Service and Maintenance
  • Rental Cars from Avis, Budget, Dollar, and Thrifty
  • Hotels, Resorts, and Vacation Rentals
  • Electronic Glove Box® for Desktop and Mobile Ap
For more information contact:
Ed Bourgeois
myEZ Car Care, LLC
304 Garden Road
River Ridge, LA  70123

Sunday, October 11, 2015

NCOFCU Lifetime Achievement Award to Clint Hartman, retiring CEO of Houston Texas Fire Fighters FCU.

Nashville 10/8/2015  The National Coalition of Firefighters Credit Unions Inc. (NCOFCU) held its 4th annual conference here this week.

Among the events on the agenda was be the presentation of a Lifetime Achievement Award to Clint Hartman, retiring CEO of Houston Texas Fire Fighters FCU. 
After graduating with his MBA and working several years in finance and accounting, Hartmann began his credit union career at Tropical Telco FCU (now Tropical Financial CU) in 1983 as Assistant Controller. Over the next 25 years, Hartmann served as President and CEO of credit unions with the Martin Marietta and the University of South Florida, where he learned to respect and appreciate the membership aspect of the credit union philosophy. He was named President and CEO of HTFFFCU in 2004.

Clint has been extremely active in the Credit Union industry, currently serving as a member of the Board of Directors of Corporate America Credit Union. He has also served as a member of the Board of Directors of the Houston Chapter of Credit Unions for 9 years–5 of those years as President. Much of his time with the Houston Chapter centered on fundraising efforts for community charities and political advocacy for the credit union industry in Texas. In addition Clint has attended every annual meeting of NCOFCU, providing his leadership skills and support in the development of NCOFCU.

National Coalition of Firefighters Credit Unions, Inc. NCOFCU
NCOFCU is available to over 100 credit unions primarily serving 600,000 firefighters and their families. It is NCOFCU’s purpose to promote the growth, viability and unity of firefighter credit unions, to create and maintain a sharing and cooperative spirit among credit unions serving the firefighter community, to facilitate opportunities for partnership and collaboration among our membership. For more information about us, visit our website at: