The Credit Union Difference
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- Gillian Arnold
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1 The Credit Union Difference Presented by Marge Kazz, CUDE Management Consultant Credit Union Association of New York Agenda The Credit Union Philosophy What is a Credit Union? Cooperative Principles Credit Union Membership The Organization of a Credit Union The Credit Union System How a Credit Union Operates The Credit Union Difference Additional Resources The Credit Union Philosophy Not for profit, not for charity, but for service 1
2 What is a Credit Union? Non-profit financial cooperative Member-owners Democratic control Volunteer directors Cooperative Principles 1. Membership is open to everyone in the group served 2. Members are treated equally 3. Credit unions operate autonomously, making decisions based on the members best interest 4. Credit unions grant loans on the basis of the borrowers character 5. Credit unions are neutral in race, religion and politics 6. A credit union is a pool of money saved by the members, under the control of the members, for the use of the members Credit Union Membership Field of Membership Residential-Based Association-Based Occupation-Based Community Development How a Credit Union Gets Started 2
3 Annual Membership Meeting Provides members the opportunity to be involved in the credit unions direction Annual reports are given by credit union officials Each member has only one vote Members elect people from within their ranks for Board of Directors and various committees The Organization of a Credit Union Members Credit Committee Appoints Elect Board of Directors Appoints Supervisory Committee Elects Hires Appoints Manager Executive Officers Hires Other Credit Union Employees Executives and other Committees The Credit Union System World Council of Credit Unions Credit Union National Association CUNA Mutual Group Association/League League Service Corporation Corporate Credit Union Chapter Credit Union Member 3
4 Association/League Governmental Affairs Regulatory Compliance Member Services Education and Training Outreach and Community Development Credit Union National Association National Grassroots and Political Action Legislative and Regulatory Advocacy Compliance Research and Strategy Marketing and Member Education Training and Events CUNA Mutual Group Insurance and protection for your credit union and members Lending solutions and marketing programs for bottom-line impact A new consumer brand TruStage to help credit union members protect what matters most Retirement planning services for credit unions and small business Crop insurance for America s farmers 4
5 WOCCU World Council of Credit Unions (WOCCU) is the leading international trade association and development agency for credit unions 196,000,000 Members 51,000 Credit Unions 100 Countries Regulatory Agencies National Credit Union Administration National Credit Union Share Insurance Fund Generally insures up to $250,000 - all member share accounts and deposits New York State Department of Financial Services The Bureau of Consumer Financial Protection (CFPB) How a Credit Union Operates Financial Intermediary Deposits Loans and Investments Assets Reserves Dividends Financial Statements 5
6 The Credit Union Difference Financial cooperative Earnings are returned to member Democratically controlled The owners use the services Relationship with the local community Additional Resources cuany.org Credit Union Association of New York cuna.org Credit Union National Association woccu.org World Council of Credit Unions cunamutaulgroup.org Cuna Mutual Group ncua.gov National Credit Union administration dfs.ny.gov Department of Financial Services alloya.org Alloya Corporate Federal Credit Union ncuf.org National Credit Union Foundation nycuf.org New York Credit Union Foundation filene.org - Filene Research Institute Additional Resources CUNA Certificate Programs: VAP (Volunteer Achievement Program) STAR (Staff Training and Recognition Program) 6
7 Thank you!! Marge Kazz, CUDE Management Consultant CUANY (800) , ext
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