Welcome to the Tech Oscars. Learn more and apply for your own award!
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1 Welcome to the Tech Oscars Learn more and apply for your own award!
2 Your Award Winners Michael Mikkelson Chief Information Officer Educators Credit Union Racine, WI Gary Coates Business Applications Manager Unitus Community Credit Union Portland OR David Glod VP of Information Security Mountain America Credit Union Salt Lake City, UT 2
3 Michael Mikkelson Chief Information Officer Educators Credit Union Racine, WI 3
4 Tech IT Up A Notch!
5 Event Details: 7 Teams of 4 spent 2 days learning about our new upcoming online services, specifically concentrating on the Online and Mobile banking channels. This innovation event challenged these teams to come up with ideas on how we could make these solutions better.
6 Event Details: To keep everyone alert and motivated, we added breakout sessions like Improv, teamwork exercises, Kickboxing, and a Photo booth.
7 Guidelines: We re looked for NEW and innovative ideas Emphasis on Self-Service Challenge what is acceptable Please be respectful of everyone s ideas Work together & Collaborate Learn from our past failures Tie your idea to our strategic Initiatives Ask questions
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9 Results: Each team did a presentation with a time limit and internal judges scored each idea. We took the winning idea to the online banking user conference and actually won their innovation event. That idea is now being developed!
10 Contact Information Mike Mikkelson Phone: (262)
11 Q&A with Mike
12 Gary Coates Business Applications Manager Unitus Community Credit Union Portland OR 12
13 Sales Management / Marketing Automation The Hub Referral Automation
14 Agenda Credit Union Competition CUNA 2014 Credit Unions and Banks Report Fallacies, Facts, & Recent Trends Top Merchants Report The Hub & Connecting the Big Data Dots
15 About Unitus Located in Portland, Oregon Community Charter $1 Billion in Assets 90,000 Members 8 Branches
16 Competition Who is Your Credit Union s Competition? Other Credit Unions? Community Banks? Large Banks? Online Banks? FinTech Startups?
17 Credit Unions & Banks Fallacies, Facts and Recent Trends Year-End 2014 Mike Schenk Economics & Statistics Department Credit Union National Association
18 Total Assets Sources: FDIC, NCUA, CUNA. In Trillions. $15.6 U.S. Banks U.S. Credit Unions $
19 U.S. Bank and Credit Union Size Comparisons Year-End 2014 Total industry assets Banks $15.6 trillion Credit Unions $1.1 trillion JP Morgan Chase total assets Bank of America total assets Wells Fargo Bank total assets Citibank total assets Average institution asset size $2.1 trillion $1.6 trillion $1.5 trillion $1.4 trillion $2.3 billion $173 million Median institution asset size % of institutions with $25 million or less in total assets % of institutions with $100 million or more in total assets Sources: FDIC, NCUA, CUNA. $ 181 million $25 million 3% 50% 71% 24%
20 100% Big Banks Increasingly Dominate Market Share of Total Assets Sources: FDIC, NCUA, CUNA. 90% 80% 70% Largest 100 Banking Institutions (1992 market share = 41.1%; 2014 market share = 75.1%) 60% 50% 40% 30% 20% Smaller Banking Institutions (1992 market share = 53.3%; 2014 market share = 18.2%) 10% Credit Unions (1992 market share = 5.6%; 2014 market share = 6.7%)) 0%
21 Top Merchants Report Detail Report showing where members with checking accounts spend their money Checking Account History Transaction Comment POS COSTCO WHSE #0111 TIGARD OR TYPE: CHASE ACH ID: CO: JPMORGAN CHASE Merchant Buckets Costco Chase
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23 Top Merchants Report Note the Large Banks at the Top These are the same Large Banks in the CUNA Report Our Members have Loans with the Big Banks Our Opportunity is to Refinance These Loans
24 Old Paper Referral Process Call Member About Auto Loan
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27 Connecting the Big Data Dots Big Banks are Your Competition Your Members have Loans at Big Banks Run a Top Merchants Report at Your Credit Union
28 Connecting the Big Data Dots Save Members Money by Refinancing Big Bank Loans at Your Credit Union Use a Referral System that Leverages Your Top Merchant Data Train Your Front-line Staff to use the Data
29 Contact Information Gary Coates Phone:
30 Q&A with Gary
31 David Glod VP of Information Security Mountain America Credit Union Salt Lake City, UT 31
32 MACU has identified a threat! Social Engineers are among us.
33 Training
34 Fraudrick Introducing
35 Fraudrick s got a personality
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39 Fraudrick turns 1!
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45 Contact Information David Glod Phone: (801)
46 Q&A with David
47 Thanks and don t forget to: Apply for an Award Come meet the winners at the Conference!
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