Credit Unions and CUSOs

Insights on proactive growth programs and strategic mergers and acquisitions for credit unions and CUSOs.

Big data is exactly what it sounds like – a vast amount of structured and unstructured information, collected from an increasingly diverse set of digital and traditional sources. For credit unions, every interaction with members, every loan processed, fee collected, call center, or branch interaction is an opportunity to collect data which when aggregated, becomes […]

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If you’re like many entrepreneurs, thinking up new ideas and comes naturally, but persuading someone to invest in your business may be a bit more challenging. Join this webinar with Vasilios Rousso, Managing Director of the DCU Fintech Innovation Center, and John Dearing, Managing Director of Capstone to learn how to secure funding and find […]

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Four tips for investing in credit union service organizations as a solid way to build your bottom line without increasing fees. Credit unions are relying more on non-interest income to grow. Over the past 10 years, non-interest income as a percentage of gross income has risen from 19% in 2008 to 27% in 2018, according […]

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Data analytics, artificial intelligence, member experience – these were a few of the exciting ideas discussed at the NACUSO Network Conference this year. Edelweiss Harrison, Vice President at Capstone, had the opportunity to exchange ideas with innovative credit union and CUSO leaders at the conference this year in San Diego on April 14-17, 2019. She […]

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Capstone’s Managing Director, John Dearing, had the opportunity to attend the PSCU Member Forum in Austin, Texas. During this event PSCU’s CEO Chuck Fagan spoke about the CUSO’s values, growth trajectory and strategic plans to “deliver unparalleled member experience.” He also highlighted the acquisition of CU Recovery, which Capstone guided PSCU on in 2018, and […]

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Credit unions are increasingly interested in using fintechs to expand product offerings and provide enhanced member experience. Join our webinar to hear how fintechs can help your credit union grow membership and assets. The webinar will include:  Why credit unions pursue fintech partnerships What it takes for credit unions to make this type of investment/decision […]

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Credit unions continue adding members at a record pace. Membership grew by a record-high 4.5% as of end-2018 (up from 4.1% in 2017)], fueled by strong U.S. economic performance, an optimistic outlook on the U.S. economy, low unemployment rates, and high levels of consumption. With 116.2 million members across all 5,375 federally-insured credit unions in […]

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We all know growth is vital to the success of credit unions, but achieving growth in today’s environment can be challenging. This week Capstone’s John Dearing has been discussing new ideas with forward-thinking credit union leaders at the National Association of Federally-Insured Credit Union’s (NAFCU) Strategic Growth Conference in Greenville, South Carolina. Today, March 21, […]

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Are you a startup looking to launch your idea? Securing funding and the right partner is a critical component to succeeding as a startup, but it can be challenging to convince someone to invest in your idea. One important way startups can have a greater chance at success is by understanding what factors strategic investors […]

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2018 was a banner year for credit unions…but will a recession follow soon? Credit unions recorded a stellar performance in the first nine months of 2018, adding more than 4.2 million new members, the fastest pace in credit union history. Rising demand for loans driven by the low unemployment rate and strong economic growth underline […]

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If the recession hit tomorrow, would your organization be ready? While this may be a scary thought, rather than panicking or ignoring the issue, you should focus on proactively seizing opportunities today to ensure the success of your credit union and your members in the future. John Dearing, Managing Director at Capstone, discusses this important […]

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How can you take your CUSO’s growth to the next level? Proactively consider strategic M&A, joint ventures, investments, and partnerships. Last week Capstone Managing Director John Dearing escaped the wintry weather in Washington, DC to speak on this topic at the Annual CUSO Conference hosted by CU Conferences on December 12 in St. Petersburg, Florida. […]

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On November 27 and 28, Capstone Vice President Matt Craft attended VentureTech in Dallas, Texas. The event brought together 11 different startups from the fintech space with investors from the credit union and CUSO space.  These startups offered a wide range of products and services including, onboarding solutions to encourage new credit union members to sign up for products and services, […]

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Peer-to-peer lending, automated loan origination, and digital banking: these are just a few ways the technology revolution has transformed the traditional lending industry! The rise of P2P applications is turning personal and small business loans into a commodity, as fintechs now offer omni-channel lending services once only provided by traditional financial institutions. Fortunately, this is […]

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Done right, external growth through a strategic partnership, merger, or acquisition can propel your credit union to the next level, helping you bring value to members and your organization. Although rewarding, external growth can be a complicated process that’s not without risk. Here are the top three mistakes credit union leaders make and how you […]

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In today’s fast-paced business environment, offering the right products and services to keep up with with member demand and technological changes can be a challenge. To succeed credit unions must first determine what their members want and then determine how to offer the best solution. Capstone Managing Director John Dearing explored these topics with credit union […]

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Millennials have surpassed baby boomers and now account for roughly 80 million people in the US. More importantly, millennials have massive buying power, spending roughly $600 billion per year, which is projected to reach $1.4 trillion by 2020, and will comprise 75% of the global workforce by 2025. In contrast, the average age of credit […]

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Private equity is creeping into the role typically taken on by traditional financial institutions like credit unions and banks: business lending. The Wall Street Journal estimates PE firms loans to midsized business jumped from $300 billion in 2012 to over $500 billion in 2017 and this trend is expected to continue. Private equity firms, like […]

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Capstone Managing Director John Dearing spoke at CU Conference’s Annual Strategic Lending Conference held in Lake Tahoe on July 26-29, 2018. John presented two exciting sessions: How to Make Educated Decisions to Solve Your Lending Challenges and Focus First: A Proven Process for Evaluating and Prioritizing Options. In the first session, leaders learned how to overcome challenges […]

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Today’s economic environment is changing rapidly. Consumers are embracing fintech and new players are moving into the credit union space. At the same time, the cost of compliance is rising and non-interest income is dwindling. What does this mean for credit unions? The days of going about business as usual are gone. In order to […]

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