Credit Unions and CUSOs

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

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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Last week John Dearing, Capstone’s Managing Director, attended the 2018 Analytics and Financial Innovation (AXFI) Conference in Minneapolis. Here are few of John’s observations from AXFI: Data used the right way for decision-making and segmenting can help an organization be more successful, especially when it is marketing to and trying to retain members There is […]

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“Fintech” is a buzzword everyone is hearing today, but what does it really mean and how does it impact your organization? Kirk Drake CEO of Ongoing Operations and CU 2.0 and John Dearing, Managing Director of Capstone recently discussed these questions in a webinar. “Fintech is nontraditional services that are financial in nature provided by […]

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It’s no secret that credit unions must embrace technology in order to succeed in today’s marketplace. Last year, $31 billion were invested in the fintech industry through M&A, venture financing, and private equity buyouts. In the last four years funding for fintech startups has increased at a compound annual growth rate of 41%, reaching $40 billion […]

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Capstone’s John Dearing recently spoke to Mike Lawson of CUbroadcast at the 2018 NACUSO Network Conference. The interview covers key points from John’s breakout session with Guy Messick “What Is Your CUSO Worth? Valuation for CUSOs and Marketplace Trends.” In case you missed the live interview, you can watch the recording on the CUbroadcast website. In this […]

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Do you want to grow your credit union and offer more to members? Consider a fintech partnership. While embracing fintech may seem risky, the reality is your members like fintech and are going to use it whether you have it or not. If they do not get the fintech solutions they want from you, it’s […]

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Are you planning to sell or buy ownership units in a CUSO? Are you making an initial offering for a new CUSO? Are you an existing company that intends to become a CUSO by selling ownership units? Will your CUSO buy a business or merge with another CUSO? If any of these situations applies to […]

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Capstone Strategic announced today that PSCU, the nation’s leading credit union service organization (CUSO) has acquired CU Recovery and The Loan Service Center. With the acquisition, PSCU executes its strategy to expand comprehensive collections offerings for credit unions. Capstone Strategic, Inc. (Capstone) announced today that PSCU of St. Petersburg, Florida has acquired CU Recovery, Inc. (CUR), […]

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Are you weighed down by stress from problems you just can’t seem to crack? As leaders, every day we are faced with new challenges that keep us up at night, fortunately it doesn’t have to be this way. One of the most important components of effective decision-making is accurate data, which in today’s information age […]

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In the past, traditional tactics may have worked, but the industry is evolving, and credit unions must innovate to succeed. In a low-interest rate environment, one of the areas of concern is how to generate non-interest income. Forward-thinking credit unions are developing new strategies to generate non-interest income while adding value to members. Embracing the […]

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Some may be afraid to try new strategies for growth, but you must take chances to succeed. Although embarking on the unknown can be frightening, in a way, not taking any action is a choice that can come with equally scary consequences: losing out to competitors, failing to fulfill members’ needs, or becoming obsolete. Fortunately, […]

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Following the success of his presentation, at the New Jersey Credit Union League Convention, John Dearing, Capstone’s Managing Director, has been invited to present a webinar with the NJCUL on December 7. At the Convention in October, John discussed proactive growth strategies for credit unions as well as tips for success. Last week John and […]

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CUSOs are investing in startups and fintech to add innovative services and products in a dynamic financial services industry. The success of these organizations rests on talented individuals who often come from the for-profit world and have different motivators than those in the traditional, non-profit credit union model. In order to maximize the value of […]

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