Coming Soon on With Flying Colors

Credit Union Exam Solutions Presents With Flying Colors

Set up a call:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Check out our website:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

Hire us and gain:

• Peace of mind during your exam process

• Insider knowledge of NCUA procedures and expectations

• Strategies to address potential issues before they become problems

• Continuous access to our extensive subject matter expertise

With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.

Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

# With Flying Colors Podcast: Upcoming Episodes and Industry Updates

## Episode Summary
Mark Treichel provides updates on upcoming podcast episodes and discusses recent trends in the credit union industry based on Callahan's quarterly state of the industry report.

## Key Points

### Upcoming Episodes
- Late August: Field of memberships and new charters, featuring Keith Stone of the Finest Federal Credit Union
- September:
- "You're a Code Three. Now What?"
- "You're a Code Four. Now What?"
- NCUA meeting with credit union boards without staff present

### Podcast Statistics
- 192 episodes of "With Flying Colors"
- 46 episodes of "Credit Union Regulatory Exams" (AI-driven audiobook style)
- New schedule:
- Mondays: New "With Flying Colors" episodes
- Tuesdays: "Credit Union Regulatory Exams" episodes
- Thursdays: "Evergreen" topics from past episodes

### Industry Updates (from Callahan's Report)
- Profitability marginally better
- Charge-offs flat
- Net interest margin improved slightly
- More credit unions engaging in hedging
- Total credit unions: ~4,600
- Total assets: $2.3 billion
- Loan growth slowed to less than 4% (down from 12% in previous 12 months)
- Share growth improved to 2.7% (up from 1.2% in previous 12 months)
- Median credit union (assets $59 million) saw 1.22% decline in shares
- Certificate growth at 31%
- Unrealized losses down from $41 billion to $30 billion
- Borrowings decreased from 6% to 5.3% year-over-year
- Cash reserves built up to about 2%
- Real estate loans down slightly
- Consumer loans down 15%
- Credit card loans up 7%
- HELOCs up 20%
- Commercial loans up 10%

## Call to Action
- Subscribe to the podcast
- Rate the podcast on Apple Podcasts/iTunes
- Check out services at marktreichel.com