Co-Operative Financial Institutions Business Model. A Catalyst for Economic Justice & Improved Quality of Human Beings
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1 Co-Operative Financial Institutions Business Model A Catalyst for Economic Justice & Improved Quality of Human Beings
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6 About North Carolina State Capital Raleigh 9 th Largest US State Population 10.5 Million British Settlement 1585 One of 13 original colonies Leading US state for tobacco and sweet potatoes Diversity: White = 75.6% Black = 22% Size 53,819 square miles
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8 Ancestry DNA 47 % Ghana
9 11,115 10,752 10,436 10,106 9,807 9,484 9,127 8,799 8,534 8,267 7,965 7,708 7,486 7,236 6,956 6,680 6,398 6,143 5,906 5,684 Credit Union Consolidation Trends Total number of U.S. Credit Unions Source: NCUA, CUNA
10 11,115 10,752 10,436 10,106 9,807 9,484 9,127 8,799 8,534 8,267 7,965 7,708 7,486 7,236 6,956 6,680 6,398 6,143 5,906 5,684 10,484 10,240 9,920 9,630 9,369 9,194 8,988 8,845 8,691 8,544 8,314 8,021 7,667 7,366 7,092 6,821 6,518 6,191 5,922 5,679 Credit Union Consolidation Mirrors Banking Industry Consolidation Number of Institutions Credit Unions Banks Source: NCUA, FDIC, CUNA
11 $393 $417 $444 $508 $567 $621 $660 $692 $726 $770 $826 $897 $927 $974 $1,035 $1,075 $1,136 $1,219 $1,309 $1,395 $6,540 $6,893 $7,472 $7,879 $8,447 $9,086 $10,117 $10,895 $11,882 $13,051 $13,894 $13,112 $13,349 $13,939 $14,511 $14,806 $15,650 $16,073 $16,875 $17,506 Total Assets by Industry Billions of Dollars Credit Union Assets Bank Assets Source: NCUA, FDIC, CUNA
12 I Can Join I Can Access My Money
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14 THE CREDIT UNION SYSTEM MEMBER CREDIT UNIONS MEMBER LEAGUES Top CUNA/System Supporters: CUNA s for-profit subsidiary Owned 51% by CUNA; 49% by Leagues/LSCs CUNA is Represented on the Following Boards: 14
15 1CUNA 50 STATES and D.C. 5,700CREDIT UNIONS 5,000 70,000 board members credit union s ervice providers 110 million credit union members 300,000 credit union professionals 11 CORPORATE CREDIT UNIONS 950 C redit Union Service Organizations
16 100% of dues go towards advocacy. Fierce advocacy lies at the heart of everything we do for our members.
17 Our advocacy agenda Reduce Regulatory Burden Expand Credit Union Powers Enhance Payments Security Preserve the Credit Union Tax Status So credit union members have access to more efficient and affordable financial services from credit unions So consumers and small businesses can more easily access the credit union services they need and demand To reduce the impact that merchant data breaches have on credit unions and their members So that credit union members continue to enjoy not-forprofit cooperative financial services
18 A Catalyst for Economic Justice & Improved Quality of Human Beings
19 We begin with the belief every person deserves the dignity of a productive life and secure community.
20 The social influences that create friction and resistance for people and communities seeking fulfilment. Culture Lack of Faith Financial Illiteracy Demographics Food Desert Gambling Divorce Disease Predatory Services Scarcity Crime Environment Substance Abuse Health Economic Barriers Unemployment Racial Bias Education Domestic Abuse Natural Disasters Trauma Mental Illness Low Wages
21 All financial services are not good choices.
22 The Credit Union and Cooperative Savings and Credit Associations Offer a Better Choice.
23 The cooperative approach presents seven compelling values to help communities thrive.
24 Seven Cooperative Principles Membership open to all persons regardless of race, religion, gender or economics. Controlled by members who set policies and make decisions for the cooperative. Members contribute capital and economic resources for the good of all. Members make collective decisions regarding the services. Elected leaders are committed to learning the best practices of a cooperative. Cooperatives work together to help each other serve their memberships. Cooperatives are committed to make their communities better. Open & Voluntary Membership Democratic Member Control Member s Participation Autonomy & Independence Education/Training & Information Cooperation w/ Cooperatives Concern for Community
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26 Thank You! Maurice R. Smith Chief Executive Officer Local Government Federal Credit Union 3600 Wake Forest Road Raleigh, North Carolina USA (919)
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