Fort Worth Chapter of Credit Unions, Texas, Vice President Donna Couch had the honor of presenting the Children's Miracle Network with a $4 million check from all the credit unions in the United States. Since Texas was one of the biggest contributors to CMN, the charitable organization contacted TCUL about having a representative from the Fort Worth Chapter at the telethon. The Fort Worth Chapter had increased its CMN donations 115% from 1998 to 1999, averaging more per member than any other chapter in Texas. CMN has a special program called Credit Unions for Kids, which is a collaboration of credit unions, chapters, leagues and business affiliates engaged in fundraising activities to benefit 170 CMN affiliated children's hospitals serving 14 million kids. St. Mary's Bank, Manchester, N.H., has donated $1,000 through its community outreach program to support the building of a new addition at Webster House. Webster House currently houses 18 youths. The addition includes new flooring, new rooms and a new fitness facility for the youth. The goal of Webster House is to provide a stable living environment for children of all ages who are unable to live at home. St. Mary's Bank has $342.8 million in assets and serves 43,729 members. Royal Credit Union, Eau Claire, Wis., has raised over $5,000 during the Sixth Annual RCU Charity Classic Run/Walk. The money raised will be donated to Big Brothers Big Sisters of the Chippewa Valley, which provides a child with a caring adult, and the Family Resource Center for Eau Claire, Inc., which provides programs and services that build on family strengths through prevention, education, support and networking with other resources in the community. Approximately 400 men, women, and children participated and received awards, mugs and medallions for their efforts. RCU has $460 million in assets and serves 87,444 members. Philadelphia Federal Credit Union, has teamed up with the Free Library of Philadelphia to make this year's membership campaign a success by raising $1,000. In addition to providing free books, CD's and internet access, the Free Library of Philadelphia provides cultural and community programs. PFCU took its support one step further by offering an on-site library card registration for employees. Over 60 employees enrolled for membership. PFCU has $333.8 million in assets and serves 95,343 members. First Tech Credit Union, Beaverton, Ore., will host the first Credit Union for Kids - Hank & Moose Open golf tournament to benefit Doernbecher Children's Hospital. FTCU, along with many other Oregon and Southwest Washington credit unions, has teamed together to bring baseball legends such as Enos Slaughter, Don Larsen, Hank Bauer and Moose Skowron to Portland to participate in a shamble format tournament featuring special contests, food, a silent/oral auction, raffle and an awards ceremony. The goal is to net $125,000. The fund raising tournament is scheduled to be held at the Reserve Vineyards & Golf Club in Aloha, Ore. on August 28. For more information, contact Tom Sargent at 503-644-1224....

Educational Community Credit Union, Jacksonville, Fla., has announced that Senior Teller Supervisor Robert D'Augostine has been selected as "Teller of the Year" for Northeast Florida by the Bank Security Association. D'Augostine has worked at ECCU for 13 years and in his spare time teaches school seminars in business development. ECCU has $420 million in assets and serves 64,361 members. Iowa Credit Union League, West Des Moines, has awarded Principal Employees' Credit Union CEO James D. Niederhauser the 2000 Cooperative Spirit Award. The award honors individual credit union advocates for outstanding service, commitment and leadership in the credit union movement. D. Hilton Associates, Inc., a credit union industry consultant, has recently received national certification from the Society for Human Resource Management for the following staff members: JoAnn Lipsey, senior professional in human resources; Jared Dowling, professional in human resources; and Jodie Taylor, professional human resources. The certification courses cover such issues as how to effectively deal with human resource strategic planning, international competition, management staffing, family and social issues impacting the workplace, employee rights and emerging human resource issues. Mississippi Credit Union System, Jackson, has inducted W. T. Avara to its Hall of Fame for his 44 years of continued service and dedication to the credit union movement. Avara has served as president of the Mississippi Credit Union System on two occasions and as national director several times. Avara has spent his life in an effort to serve and to help where help was needed....

First New England Federal Credit Union, East Hartford, Conn., has announced its merger with the French Social Circle Credit Union as of July 1, 2000. The current West Hartford branch of the FSC FCU will be closed and members will be serviced out of First New England FCU's Newington , East Hartford and Vernon branch locations. First New England FCU has $34 million in assets and serves 9.653 members. Jessop Employees Federal Credit Union, Washington, Pa., has awarded PWCampbell the design/build contract for its new 2,500 square foot main office facility. The main office will be located on the credit union's existing site and is scheduled to open in the fourth quarter of 2000. JEFCU has $19.6 million in assets and serves 2,931 members. Georgia Federal Credit Union, Atlanta, has held the grand opening celebration for its newly relocated 6,204 square foot branch here. In addition, GFCU has awarded a total of $3,000 in scholarships to five high school seniors. The recipients were chosen based on academic achievement, community involvement and individual essays on the value of credit union membership. Brooke Elizabeth Digby of Shiloh H.S. has been awarded $1,000. The remaining four recipients, Mary Alaina Edwards of Forsyth Central H.S.; Zuri Rice of DeKalb School of the Arts; Matthew Henry Toups of Chamblee H.S.; and James Towson of Henry County H.S. have each been awarded $500. GFCU has $209.6 million in assets and serves 53,844 members. Philips Federal Credit Union, Fort Wayne, Ind., has announced the opening of two new branches in San Antonio, Texas and Salisbury, Maryland. PFCU has $180 million in assets and serves 36,000 members. US Federal Credit Union, Bloomington, Minn., has broken ground for its new 49,000 square foot corporate headquarters and retail branch in Burnsville. The building is scheduled to be completed by March 2001. US FCU has $328 million in assets and serves 72,308 members. Kitsap Community Federal Credit Union, Bremerton, Wash., has held a ground breaking ceremony for its new East Bremerton branch facility. The 3,500 Square Foot branch is scheduled to open in early 2001. KCFCU has $344 million in assets and serves 62,004 members. American Sterilizer Federal Credit Union, Erie, Pa., has awarded PWCampbell the design/build contract for renovating its main office. The renovated facility will provide members with drive up transaction lanes and privacy for loan interviews and closings. ASFCU has $21 million in assets and serves 7,744 members. Buckeye State Credit Union, Akron, Ohio, has announced the grand opening of its new 3,600 square foot Canton branch building. BSCU has $53 million in assets and serves 19,000 members. Armstrong Association Federal Credit Union, Ford City, Pa., has held a grand opening celebration for its new West Hills office. AAFCU has $38 million in assets and serves 6,651 members....

ARCO Credit Union, Los Angeles has changed its name to Pacific Resource Credit Union. PRCU has $81.9 million in assets and serves 10,128 members. Southern California Central Credit Union, Pasadena, Calif., has changed its name to E-Central Credit Union. E-Central CU has $81.2 million in assets and serves 37,690 members....

Affinity Federal Credit Union, Bedminster, N.J. has awarded nine graduating high school students a total of $10,500 in scholarships. The criteria for the applicants included academic achievement, extra-curricular activities and essay composition. This years recipients were as follows: Claire McCusker, $2500; Daniel Ramage,$2500; Payal Garg, $1500; Jesse Lasky, $1500; Emily Frey, $500; Brian Jones,$500; Jason McCuistion, $500; Bradley Cousins, $500 Julie Carlson,$500. AFCU has more than $800 million in assets and serves 94,000 members Mountain America Credit Union, Salt Lake City, has awarded three $1500 scholarships to Pamela Allan; Amy Nielsen; and David Matson. Applications were selected based on financial need, scholastic abilities, future plans, community service, special skills and an essay on the theme "What I learned from my favorite teacher that will help me in my life." MACU has $747 million in assets and serves over 125,000 members. NorthCountry Federal Credit Union, South Burlington, Vt., has awarded eight $1,250 scholarships to students who have actively demonstrated a dedication to supporting their communities. To qualify, students were required to be members of the credit union and submit an essay illustrating how they have helped secure the future of their community. This year's recipients are Christopher Amadon, Lyndon Institute; Clark Copeland, Twinfield H.S.; Meredith Cowie, South Burlington H.S.; Chelsey Kantor, U-32 H.S.; Heather McCormick, Williamstown H.S.; Jeremy Ouellette, Danville H.S.; Nicholas Scandore, Winooski H.S.; and Gina Sicard, Rice Memorial H.S. NorthCountry FCU has $52 million in assets and serves 11,943 members. New Jersey Postal Credit Union, Hawthorne, has awarded three college-bound members $1,000 each in its first ever scholarship program. Carly Jane Hug of Ramapo H.S., Vijay Paruchuru of John P. Stevens H.S., and Chhay Shah of Lenape Valley Regional H.S. were selected based on academic achievement, extracurricular activities, community involvement and an essay. NJPCU has $75.7 million in assets and serves 9,069 members....

SAN FRANCISCO - Attempts by two California cities to prevent banks from charging additional fees for use of their automated teller machines by people who don't hold accounts at the institutions has been blocked by a federal court judge. Officials for both Santa Monica and San Francisco said they would appeal the decision by U.S. District Judge Vaughn Walker to the 9th U.S. Circuit Court of Appeals. Walker ruled that the cities had no authority to regulate ATM fees and that the ordinances approved by the Santa Monica City Council and San Francisco voters in October and November 1999, respectively, would cause the banks "irreparable economic loss." He said the National Banking Act barred municipalities from regulating the ATM fees and that the city ordinances were at odds with federal regulatory policy. "The decision really upholds the right of businesses to price their products and services for a free market," said Harvey Radin, a spokesman for the banks. The ordinances by the two cities were in response to a consumer outcry against the ATM fees. They are believed to be the first in the nation to ban bank surcharges within municipal limits. City officials said the additional fees, which average $1.50 per transaction, were excessive. Bank of America and Wells Fargo Bank, along with the California Bankers Association, which represents more than 280 banks in the state, filed suit in November challenging the ordinances. BofA and Wells Fargo are two of California's largest banks and maintain the biggest ATM networks. ATM surcharges at the two banks bring in $5.5 million, according to the San Francisco Chronicle. Walker issued a temporary injunction Nov. 15 preventing the cities from enforcing the anti-surcharge measures. That injunction was upheld by the 9th Circuit. The banks had argued that "laws restricting the right of businesses to price their products and services are not in the interest of businesses or consumers and would set a disturbing precedent in a free market. "We believe that city governments are overstepping their authority by imposing pricing restrictions on federally regulated financial institutions," said Chris Chenoweth, CBA's general counsel. In his written opinion issued Monday (July 3), Walker said the cities lacked the authority to limit ATM surcharges. The ordinances only addressed the fees charged to people who used a bank's ATM and who did not have an account at the institution; it did not impose any limits on the fees banks could charge their own customers. Adam Radinsky, a deputy city attorney for Santa Monica, contended that the judge's ruling, although not unexpected, was nevertheless incorrect. "Congress, as well as the courts, have always recognized that local governments have the power to restrict and ban certain bank fees that are anti-consumer and excessive," he said. The 9th U.S. Circuit Court of Appeals said in a 1990 case that "Congress specifically has declined to restrict state regulation in the ATM context." The court further said that states, which have the same regulatory powers as cities, are authorized by federal law to provide "more stringent consumer safeguards" than the national standard for electronic funds transfers. San Francisco City Attorney Louise Renne agreed with Radinsky. "The intent of federal law is to allow consumers to protect themselves from exorbitant ATM fees," she said. The 9th Circuit Court will have the last word on the case and its intent in its 1990 ruling when it hears the cities' appeal. -...

Incoming NAFCU Chairman Jim Mills shares his work philosophy, priorities for NAFCU...........................................Page 10...

Irish CUs embrace new technology, battle taxation attempts...........................Page 52...

AURORA, Colo. - Gateway Credit Union, which already has one of the state's largest community charters, has applied to the Division of Financial Services for permission to expand its charter to include persons "who reside in portions of zip codes 80015 and 80016, Arapahoe County, Colorado." The estimated number of persons living in these zip codes who are not already included in Gateway's field-of-membership is approximately 30,000. Gateway's field-of-membership already includes the 275,000 residents of Aurora county. Gateway has about $138 million in assets and more than 24,000 members. A public hearing will be held on the application on Aug. 4....

WEST PALM BEACH, Fla. - As part of its policy to provide comprehensive coverage of news and events affecting credit unions, Credit Union Times is pleased to welcome Michelle A. Samaad as its newest correspondent. Samaad will be based in South Florida. She'll cover stories on a wide range of credit union-relevant topics. A native of South Florida, Samaad previously worked as a personal finance reporter for bankrate.com. Her assignments there included stories about credit unions, online banking and retirement/savings. Her writing experience also includes stints at The Miami Herald, Tallahassee Democrat and several business and online publications. Samaad earned a Master of Science degree in journalism from Florida A&M University and a Bachelor of Arts in English from Florida State University. She makes her home in Tamarac, Fla. with her husband Yaseen and two children, Khalif and Asha....

ST. PETERSBURG - Payment Systems for Credit Unions, a credit card CUSO here, has announced that it has begun discussions with Lending Solutions, Inc., Elgin, Ill., concerning a future business alliance. The companies said the discussion revolves around an alliance that can bring a more beneficial lending solution to the credit union industry. PSCU is owned by 500 member CUs, representing some 5.6 million cardholders. LSI provides lending solutions to some 450 CU clients....

NASHVILLE, Tenn. - Capital of the Volunteer State. Home of the Grand Ole Opry. Site of Elvis Presley's home, Graceland and Dolly Parton's theme park, Dollywood. By the end of July, "Music City, USA" will also be renowned for hosting the World Council of Credit Unions' International Credit Union Forum 2000. A contingent of more than 2,000 representatives from U.S. and international credit unions is expected to attend the conference, July 15-20 at the Opryland Hotel. The six-day conference is intended to be as much an educational event, as a occasion for celebration. WOCCU has much to celebrate. WOCCU is the international organization of credit union associations representing 83 countries throughout the world. As of June 1999, members of WOCCU include regional and national credit union confederations serving 16 countries including: Africa, Asia, Australia, Canada, the Caribbean, Czech Republic, Fiji, Great Britain, Ireland, Latin America, New Zealand, Poland, Romania, Russia, Ukraine, and the U.S. The cultural and ethnic diversity of the countries affiliated with the WOCCU also is cause for a diverse business and economic environment credit unions around the world do business in. This hallmark is reflected in the list of speakers and topics for the educational programs on tap for the conference. Among the notables who will address attendees are Andrew Young, a former U.S. Ambassador to the United Nations, member of Congress, mayor of Atlanta, and human rights leader; Stuart Varney, a founding member of CNN's business team and anchor for Moneyline; John Hume, 1998 Nobel Peace Laureate, current member of the European Parliament, and founding member of the Irish League of Credit Unions and past League president. A sampling of the educational program includes sessions relating to e-commerce; competing in the global economy; economic and growth issues; leadership issues for management and boards; and creating and reaffirming credit union differentiation and uniqueness. Of course, no trip to Music City, USA would be complete without taking a tour and seeing some of the city's landmarks. A cornucopia of events to celebrate the international credit union movement, those who have helped develop it and the issues facing it in the new millennium. -...

WASHINGTON-Even as NAFCU's conference attendees in Hawaii address concerns for the growing number of federal CUs switching to state charters, NCUA insiders are wondering what the post-D'Amours agency will be like. Will it favor more regulation, or less? Much depends on the upcoming vote on Dennis Dollar's RegFlex proposal, which was postponed until the board's October meeting. Dollar acceded to requests from Yolanda Wheat and Chairman D'Amours to delay board action so they could more thoroughly study the proposed regulation and the comments offered by credit unions and CU trades. Dollar said the original comment period, which ended May 22, received "overwhelming support." "We can no longer treat all federal credit unions with one approach when some have earned the ability to be given flexibility by virtue of a consistently higher standard of performance, in all criteria. I believe it's an important message for this agency to send," said Dollar, at press time. He said that he's hoping that given the additional time, both board members will see their way to supporting the proposal....

Credit Union Times' annual Association Meeting & Events Calendar issue is always one of the most popular issues of the year. Many credit unions and vendors keep this issue handy throughout the year so they can check to see when and where the big blockbuster meetings are; what new meetings they may want to try out; and just overall travel planning. But we need your help. The 2001 edition of Credit Union Times' Association Meetings & Events Calendar issue will be published on November 1, 2000. So now is the time to get your organization's meeting information together, ready for submission to Credit Union Times. Your meeting submission should include meeting date, sponsor, meeting name, location, hotel name and phone number, and contact name number. All submissions must be sent to Laurie Sorrentino via fax at (561) 683-8514 by October 13, 2000....

NAPERVILLE, Ill. - There have been a lot of changes at Mid-States Corporate FCU in the last few years. The corporate itself has changed. The new Mid-States FCU is actually the result of a mega merger with INDICORP, which was finalized in December 1999. The merger created a $3 billion corporate, making it the third largest in the country. Now the new Mid-States FCU has announced that it has purchased a 60,000 square-foot, two-story office building in Warrenville, Ill. The building houses Mid-States' new headquarters, as well as a new item processing center. The corporate moved from its Naperville headquarters and into the new headquarters on July 10. "As we complete the integration of the operations and member support for both Indiana and Illinois members, we found that Mid-States needed the additional space to support both our current and future expansion needs," said Mid-States CEO Don Finn. According to Mid-States, the merger with INDICORP created a one-third increase in operations and assets....

LAKELAND, Fla. - Advancements in kiosk technology are making unmanned branches a reality in the credit union industry. Publix Employees FCU here recently installed two biometric-enabled self-service kiosks from Real-Time Kiosks. The cutting-edge kiosks basically allow PEFCU to run an unmanned branch that can positively identify members; sign up new members; take cash and check deposit withdrawals; transfer funds; accept loan applications, employment applications; facilitate check re-orders, stop payments; conduct account balance and history inquiries; display rate information; and more. One kiosk was temporarily installed in PEFCU's Lakeland headquarters and the other in the Sarasota area to help establish the CU's presence on the West Coast of Florida. A major challenge for maintaining an unmanned branch is cash management. PEFCU hired Brinks to handle the cash replenishment of the Sarasota remote office. The credit union also wanted the ability to take remote control of the kiosk in order to place the kiosk in cash replenishment mode, so the only real responsibility of Brinks was to physically deal with cash replenishment, clearing deposits, and maintain the cleanliness of the kiosk exterior. To do that the PEFCU installed Cisco 1750 series routers on each end of the MCI Frame Relay network. Each of the routers has a special voice module, FXS on the Sarasota facility end and FX0 on Lakeland headquarters' end where the Real-Time Kiosks' Kiosk Network Control Program (NCP) resides. The routers allow a dial-peer configuration for automatic ring down to the Network Operations department. A special hands free phone was integrated on the member side of the kiosk in Sarasota and another analog phone was installed at the rear of the unit for Brinks to contact the credit union allowing communication regarding the kiosk's cash supply. Real-Time Kiosks is a subsidiary of Real-Time Data Management Services....

SAN JOSE - E-commerce has become such an important strategic area for credit unions that some are creating their own e-commerce divisions. Meriwest Credit Union here recently created an E-Business Division. The division will be comprised of senior staff members representing the marketing, retail operations and information technology departments. Initially, the new division will focus on redesigning Meriwest's Web site to incorporate a portal presence. The credit union is also working on a relationship management model that provides a comprehensive view of the members' relationships across all channels and product lines. The division will be led by Julia Kirsch, Meriwest's executive vice president and chief operating officer. The credit union can be found on the Web at www.meriwest.com....

DENVER - There's no question that there's a wealth of personal financial information on the Web, but does the average Web surfer utilize it? Not really, according to a recent study by the Certified Financial Planner Board of Standards. The survey of upper income consumers found that 92% had computers; but only 8% use the Net on a daily basis for financial purposes; and only 13% had financial planning software on their computers. "Computer programs and the Internet can provide a wealth of information, and in some cases, maybe too much information which can be overwhelming," said Patricia Houlihan, chair of CFP's governing body. The survey was based on responses from 897 consumers whose income placed them in the top 25% of households nationally. Among those surveyed who use the Net for financial purposes, the most popular activities were for monitoring savings and investment portfolios (73%); making general financial inquiries (58%); and researching companies for potential investment (55%). Of those surveyed who use the Web for investing, 21% said they utilize it for stocks and bonds, and 12% for stock/bond mutual funds....

DALLAS - TNB Card Services unveiled new Net-based products at its 2000 Credit Card User Conference held in June. TNB's On-Line Reports Systems allows credit unions to view and download reports that are currently being sent in paper format. Internet Report Pay enables CUs to enter credit card payments directly into TNB's payment system. These solutions are available through any Web browser. Security measures include a 168-bit encrypted Virtual Private Network that connects TNB and its CU clients. The VPN also scrambles data before it is sent and unscrambles it on the other end. TNB is offering a special pricing plan for CUs that sign up by the end of 2000. TNB currently serves 430 CUs, representing some 900,000 cardholders....

GLASTONBURY, Conn. - Core system and e-commerce solution provider Open Solutions here has formed a strategic partnership with electronic payment firm Princeton eCom. Princeton eCom will process payments, either electronically or in paper format, for Open Solutions' core system clients. Open Solutions is the provider of CU core system The Complete Credit Union Solution....

ELGIN, Ill. - Lending Solutions, Inc., a provider of lending services for credit unions, has announced a new appraisal service. Through a partnership with First American Corporation, LSI is offering appraisal services ranging from automated valuations to full appraisals. These appraisal products will be available beginning July 1, 2000, via LSI's new appraisal Web site at www.LSIAppraiseIT.com. The automated valuation reports utilize a computer-based real estate evaluation/appraisal system designed to ensure the best possible chance of determining a value of an improved single-family residential property in an urbanized setting. "The primary determinants for a Home Equity loan are credit, which we can receive in seconds, and property value, which historically has taken anywhere from three to ten days. The Automated Valuation allows the origination industry the ability to get Home Equity loans to closing in hours rather than weeks by providing values in a matter of seconds," said Rex Johnson, LSI partner and head of the University of Lending. By using a combination of statistical models, data sources and databases, LSIAppraiseIT.com captures the best data on a subject property, including recent sales, and organizes the results into an easy-to-read report. Utilization of LSI's automated valuation services will allow providers of first and second mortgage loan products to obtain an electronic automated valuation report of properties The LSI appraisal system also allows lenders to upgrade the automated valuation to anything from a "drive-by" to a full appraisal through the LSI web site, and receive credit for the automated valuation toward a future upgrade. According to LSI, automated valuations can reduce the valuation time by five to seven days, allowing lenders to obtain valuations at a cheaper cost. Typical automated valuations provided through LSIAppraiseIT.com are priced at $29.00....

MADISON, Wis. - The Web has brought with it a gameshow-like strategy of some firms giving away cash and prizes to people who do nothing more than visit their site. CUNA has announced that it is holding an online sweepstakes of its own, offering $40,000 in Web content packages, to some lucky CUs. CUNA isn't giving away the prizes online, but is giving away online prizes. "We want to make it as easy as possible for credit unions to have a sophisticated, effective presence on the Web," said Doug Benzine, CUNA's vice president of e-commerce. "These packages are worth $8,000 in content and educational services designed specifically for credit unions," he said. Five such packages will be given away. Each package includes the following: * Three-year subscription to Googolplex. * Three-year subscription to Home & Family Finance Online. * Web surveys through CUNA Online Research. * Registration for CUNA's 2001 symposium. * Registration at one of its e-commerce conferences. * A number of technology related books from CUNA's Center for Professional Development. Credit unions that want to enter should include their name and address on a 3 x 5 card and mail it to Web Content Giveaway, P.O. Box 431, Madison, Wis. 53701-0431....

ST. CHARLES, Mo. - Aerospace Community CU here recently unveiled Netbr@nch, its new Internet banking solution. Members can check balances; print statement history; verify cleared checks; transfer funds; download account info into financial software programs; and pay bills. Aerospace Community CU has $95 million in assets and serves some 30,000 members....

GLENDALE, Calif. - CUShopper, provider of an online shopping network for credit union members, has announced the addition of three CU professionals to its advisory board. Yulandria Pearson, senior vice president of Lending for Hughes Aircraft Employees Federal Credit Union; Joseph Brancucci, vice president of lending and chief lending officer at Boeing Employees' Credit Union; and Joseph Melchione, a well-known credit union attorney, have all accepted advisory board positions with CUShopper. "Understanding credit unions operationally, philosophically and personally has always been a critical component in our development. We have assembled this advisory board to provide a forum where credit union executives help make CUShopper all it can be for our credit union partner network," said CUShopper Chairman Adam Walker....

BROOKFIELD, Wis. - Fiserv has elected Donald Dillon as chairman of its board. Dillon succeeds Muma as chairman. Muma remains President/CEO of Fiserv. "I am pleased to pass the chairman's title to Don in recognition of not only his past contributions to the success of Fiserv, but also for the positive impact I anticipate he will make on our company in the future," said Muma. Dillon joined Fiserv in 1995 when Fiserv acquired Information Technology Inc. Last year, Dillon was named chairman of Fiserv's Corporate Technology Committee. Fiserv, a worldwide IT solutions provider, is the parent company of six credit union data processing companies....

VANCOUVER, British Columbia - Prologic Corporation, a provider of financial services software here, has appointed Paul Vessey, executive vice president, emerging technology, and COO for Visa USA, to its board. In a Credit Union Times' interview earlier this year, Prologic CEO Mike Cardiff said his company was poised to making a bigger push with U.S.-based financials. Getting big time banking executives on their boards, has become a trend for financial software providers. Corillian Corp., Corvallis, Ore., recently named former Bank One CEO John McCoy to its board. "With the multitude of players competing in the financial services software field, only Prologic seems to be developing solutions designed to defend the large banks from the `super portals' and other non-bank competitors that are vying to steal their customers," said Vessey. Prologic has a strong presence in Canada....

SAN ANTONIO - Southwest Business Corporate has released UNITYT, a new application that aids in cross-selling insurance and lending products. The solution provides loan reps unique presentation strategies for varying products without having to toggle back and forth among multiple screens. The solutions is designed for conventional and residual loans and value-added insurance products such as GAP, mechanical breakdown coverage and credit life. For more information visit www.swbc.com. -pgentile@cutimes.com...

SAN ANTONIO - Southwest Business Corp., a provider of insurance and financial services, has made portals one of the prime focuses of its new Web site. The new site can be found at www.swbc.com. It provides industry-specific news and a weekly newsletter. SWBC has had an Internet presence since 1995 and this is the 4th generation Web site. "The new site will contain three portals, one for each of our markets - the financial services industry, business-to-business customers and business-to-consumer customers," said Brad Young, director of marketing, He said the new site will be more information-oriented and less product-oriented. "The portals are user-friendly labeled and are called Financial Institutions, Business Services, and Individuals and Families, respectively. A click on one of these portals will take the client immediately to information and services uniquely tailored to that portal," said Young. The Web site will continue to offer information about SWBC's insurance and financial products, as well as highlight industry news, feature articles, and will make SWBC's new quarterly magazine publication, FOCUS, available online for downloading or online viewing. "The Internet and e-commerce is the future of business, and we want to be able to offer our customers the tools they need to keep ahead of the competition. Business executives have less time to research for more reliable information to make an informed decision," Young said. The new site will still be the launching point of FocusNet, SWBC's interactive financial portal which over 200 financial institutions are currently using. -pgentile@cutimes.com...

INDIANAPOLIS - VIFI, a provider of Internet solutions for financials, said its online usage numbers are up dramatically over last year. The company reports having 175,000 active Net banking users, a 165% increase from May of last year. VIFI is processing 6.8 million transactions a month, a 289% increase over May of last year. Its financial institution clients have an average of 2,700 Internet banking users. That works out to an 8.23% end-user penetration rate per financials. Approximately 25% of active (active meaning they've used online banking within the last 30 days) Net banking users utilize bill payment. VIFI is also reporting a less than 1% churn rate of bill payment end users. VIFI's monthly Net banking user penetration is growing by about 8 to 9% per month. The company also claims to have a 3% churn rate among its Net banking users. That may seem hard to believe given that a Cyber Dialogue study said about 33% of consumers who begin online banking give up the service. A Bank Technology News study found that the churn rate is actually closer to 15%. "While our number of institutions has doubled, our number of active users has tripled, and our number of total transactions has nearly quadrupled," said Mike Winter, president of VIFI. But the stats are good news for more than just VIFI, said Winter. "These numbers show that online banking is a viable, thriving and growing business-one that is here to stay." -pgentile@cutimes.com...

When I read Mike Welch's column in the May 31 issue ("Allowing banks to join CU groups is a mistake") regarding the Colorado Credit Union System's recent bylaw amendment on membership, I was very disappointed in the lack of research he conducted to reach his opinion. Welch stated that some banks are more acceptable as Colorado League members than are some credit unions. That's absurd. I can assure Welch that the credit union movement in Colorado is strong and philosophically sound - and that his statement holds no merit. Any credit union that desires to be a part of the cooperative credit union movement may do so. Indeed all credit unions are strongly encouraged to join the cooperative credit union effort. The Colorado Credit Union League does not and will not encourage any credit union to convert to a mutual savings bank. It appears Welch believes the Colorado Credit Union League should take money from credit unions that convert to a mutual savings bank, but not let them be involved in the cooperative efforts of the league. If a conversion is completed solely to benefit the members through increased services, how does the conversion suddenly change the cooperative attitude of the organization? Throughout the U.S., there are non-affiliated credit unions that do not pay dues and that show no desire to be part of the cooperative credit union movement, which has proven so successful. If a former credit union expressed interest in continuing their cooperative involvement, they should be able to make that decision. The bylaw amendment Welch referred to was the end result of the true democratic process for which the credit union movement is known. This democratic process is sound in gaining input, fostering discussions, and putting recommendations to the test by a vote of members to address the issues brought up by credit unions. This amendment was the result of discussions by a league task force on membership. The task force, comprised of credit union presidents and managers, including myself, discussed numerous possibilities of future membership issues, with our intent being to give proper consideration to potential scenarios - and to be prepared in the event this issue should arise. The proposed amendment was approved by the league board of directors, was then provided to all credit unions to review, and was approved by credit unions at the league annual meeting. It is interesting to note that the provision was even amended on the floor of the annual meeting. The proposed bylaw amendment originally included a clause which read "no officer, director or other official of such mutual savings bank shall be eligible to hold office as a director or officer of the league." On the floor, a credit union proposed striking this clause, and preserving all rights of membership for a credit union which might convert. This amendment was approved. The true issue being addressed here is frustration with laws and regulations. If the laws and regulations of NCUA, or other government entities are so poor that credit union members are not served, perhaps conversion to a true mutual (one member, one vote) could be a viable solution to protect their needs. (There is a vast difference between a true mutual savings bank where each member has a vote, and banks owned by stockholders. Yes, and in Colorado, the relevant statute does allow for the mutual organizations to refer to its shareholders as members.) Hopefully, no credit union would be pushed by the government to make the decision to convert to a mutual savings bank and fortunately Colorado has a very strong dual chartering system. We trust that by working together, credit unions would be successful in getting the laws and regulations needed to serve their members. Welch also asserts that the deciding factor in this decision was money. That is absolutely false. This bylaw amendment has nothing to do with money. The Colorado Credit Union League could continue to serve the business needs of financial institutions without their membership in the league and without this bylaw amendment. Credit unions will continue to provide ample financial support for the needs of the Colorado Credit Union League I would recommend that in the future Welch research his facts before drawing conclusions and publishing inaccurate information. Michael A. Williams President, Johns Manville CU Board member, Colorado Credit Union League...

I found Mike Welch's column in the June 28 issue of Credit Union Times ("It's time to toss outmoded common bond and FOM") concerning common bonds and fields-of-membership interesting. For more than 25 years, I have been amazed at the high level of confusion concerning this critical topic. So many within the credit union industry don't seem to understand why the common bond requirement was first created, and why it became obsolete so long ago. The common bond requirement certainly has nothing to do with credit unions' tax exempt status. I suggest that more people, including our banker friends, should study our history and think about the economic conditions in America during the late 1920's and early 1930's when the Federal Credit Union Act and many state acts were being enacted. We need to think about the risks back then of starting a new type of cooperative financial institution with no capital and no real financial backing (and don't forget there was no FDIC or NCUSIF at the time.) We need to reflect on the economic climate after so many bank failures in 1929. But most importantly, we need to realize that there were no credit reporting agencies at the time. Credit bureaus did not exist, and there certainly wasn't any way to determine the past credit history or current credit worthiness of an individual consumer applying for a loan. No wonder commercial banks did not loan money to individuals. Prior to credit reporting, consumer lending was very risky. But there certainly was a need for strong growth in consumer credit if the country was going to recover from the Great Depression. In that climate, credit unions were a great idea. But, only if credit unions made loans to members they knew. This is the only reason there was a requirement for a common bond and a defined field-of-membership. It had nothing to do with taxes or the structure of credit unions, and everything to do with knowing the "character" of members who borrowed from their credit union. Back then, credit committee members knew everyone who applied for a loan. They didn't need a credit bureau report and certainly wouldn't use a credit score in making a loan decision to a fellow worker or friend. The common bond requirement became obsolete and an unnecessary requirement when credit reporting became prevalent. This is the same time banks and other institutions began to make consumer loans, and loan sharks went out of business. As they say, "the rest is history." It's just too bad that more people don't understand our history and educate others. David Seely President Kirtland FCU...

In the grand scheme of human endeavor, those initiatives that are driven by voluntary, altruistic and self-motivated action generally prove the most effective and sustainable. Actions that are coerced, demanded and imposed generally meet with less success. The human spirit is nurtured and buoyed by the former and distorted by the latter. It is the difference between the philosophy and outlook of Thomas Hobbs (1588-1679) and Jean Rousseau (1712-1778). Hobbs thought that life was "nasty, brutish and short." Man surrenders his natural rights and unwillingly submits to absolute authority of government to avoid the lawless acts of others. This meant laws and regulation over all aspects of life. Rousseau, on the other hand, felt that man naturally wanted to improve himself and help his fellow man and would continually seek new ways to achieve a better life. People voluntarily enter a social contract among themselves to correct inequalities. Stringent controls retard and distort man's natural inclination to do good. Credit unions in general and community credit unions specifically have a good track record of voluntarily and naturally serving their members and their communities irrespective of incomes, occupation or perceived "social status." The movement, the legislature, and the regulator affirmed this point during the national debate regarding a low-income service requirement (some would term CRA) as a part of the Credit Union Membership Access Act (H.R. 1151). A strong credit union grounded in the principles of financial cooperativism and built on the sound economic structure of diversification, not only does not avoid serving all the members of their community, they actively embrace that service. In fact, they are the community. The balance between depositors who have excess funds to invest and borrowers who need access to affordable loans is a winning combination for any financial institution. Any credit union that actually seeks to avoid serving the broader population only does harm to their own institution, a fact that most boards of directors would recognize and remedy. The National Credit Union Administration's proposed regulation to impose examiner review of each community credit union's action plan (CAP) with the discretion to pursue "appropriate supervisory actions" is a Hobbsian approach to serving members of modest means. While the intentions are good and consistent with what credit unions are all about, a hardened shell of meeting the "minimum requirement" will form around this solution not unlike banks' reaction to CRA. Credit unions will settle on satisfying the regulator's general perception of how to meet community needs rather than initiating innovative solutions that are better defined by the credit union and their community. Many will find ways of meeting their minimum requirement by investing "at a distance" instead of rolling up their sleeves and participating actively in the design and implementation of real solutions in the community at risk. Those are the typical reactions to a Hobbsian solution. A better, industry solution that has been devised and in place for over two years is the voluntary Statement of Commitment that credit unions complete as a part of Project Differentiation. Over 300 credit unions have completed or are in the process of completing their Statement of Commitment. The Statement of Commitment is a document prepared by the credit union detailing how they serve their communities and especially the underserved. I enjoy reading the Statement of Commitment for different credit unions posted periodically on CUNA's Web page. It is a dynamic and evolving process as credit unions come up with new ideas and share them with each other. At Truliant FCU, we have already updated our Statement of Commitment twice and may have to revise it twice a year just to keep up with all the developments in our community activities. It is imperative that every credit union participates in this worthwhile activity and shares their ideas with others. We must continuously look within our own credit unions and communities to determine how we can better meet the needs of all our members and reach out to potential members who are in need of affordable financial services. In so doing, we should be able to defend against a government-imposed solution that will come up short in actually meeting the objectives we share. Marc Schaefer President/CEO Truliant FCU...

Good guys don't always finish last. Thanks to the assistance of several consumer-minded advocacy groups such as the U.S. Navy, Florida's Attorney General, Florida Legal Services, AARP, Florida PIRG, Florida Impact, and Florida Credit Union League, I was able to pass legislation earlier this year that lowered allowable interest rates that title lenders can charge from 264% annually to 30% annually. Holding the car titles as collateral, title loan companies grant quick loans to owners at 264% APR. When the car owner fails to repay the loan, with interest, the company takes the car. Florida has become a breeding ground for this form of lending. Consumers are lured into storefronts with flashing neon signs with promises of quick cash and no credit check. Desperation often blinds the borrower from seeing what the real costs are to them. Usually, folks without a "financial cushion" to handle an emergency today, do not have the resources to pay the money back in 30 days. That's how they get caught in the debt trap. Paying the interest monthly and never touching the principal. Hundreds of dollars borrowed quickly become thousands of dollars owed. Before 1995, it was referred to as loan sharking. Loan sharking is against the law in Florida. It has been for a long time. In fact, usury laws have biblical origins. Currently, loaning money at rates in excess of 45% APR is classified as a criminal felony with stiff penalties. Unless, of course, a company lends through a loophole in the law. One such loophole is so big that title loan lenders have been driving their armored Wells Fargo trucks right through to the bank. How did this happen? Like their namesakes, "sharks," title loan lenders managed to survive and proliferate by preying on the weak. During the late 1980's and early 1990's, they operated under the auspices of the Pawnbroker Act. Only they did not require the actual vehicle to be pawned, just the title. Legal Services, working with the Department of Agriculture and Consumer Services went to court and obtained an injunction against the practice because of the devastating impact it was having on low income consumers. All too often, a missed payment means the loss of the family car, the ability to get to work, pay the rent and put food on the table. In 1993, the Florida legislature agreed with the courts and outlawed the practice of title loan lending. In 1994, the industry lobbied and got legislation passed to legalize the industry, but the Governor vetoed it. Then, in 1995, the legislature passed amendments to Fla. Stat. 538.06(5) that would permit a second hand dealer to accept a motor vehicle title in title loan transaction and to charge a maximum fee of 22% a month, a usurious percentage rate that translates into 264% annually. Bills filed in 1996 and 1997 failed to rein-in the industry, but a task force was established to review the industry from a consumer protection perspective. In January 1997, the title loan task force submitted its report to the Legislature. The task force recommended repeal of the 1995 law. I filed bills in 1998 and 1999 to lower the allowable interest rates to 30% APR and place the industry under the regulation of the Department of Banking and Finance with other small loan lenders. Both years, the bills were passed unanimously by the House of Representatives, but the Senate refused to concur. Our only hope was to take the message home. County commissioners immediately appreciated our plight. They observed first hand how predatory lending was hurting their constituents. County by county, including Orange, Osceola, Seminole, Brevard, Volusia, Lake and Polk began to adopt local ordinances to cap usurious interest rates. A recurring and reasonable question was posed by the commissioners before the ordinances were passed:"Where will users of title loans go when they need emergency cash?" Luckily, the Florida Credit Union League provided an answer. FCUL was quick to rally its members. A meeting of all the credit unions across the state was held in Orlando to discuss the problem of predatory lending. Promises were made to step up to the plate and provide relief for cash strapped folks in need of help. Florida Central Credit Union had already identified the problem and developed a remedy. Not only were they willing to provide small loans to folks with poor credit history, but they had a plan to also rehabilitate them financially by helping them rebuild their credit. Working with the Attorney General's Office and Florida Legal Services, FCUL shared their plans with each of the County Commissions. And one by one they passed good ordinances. At the start of the 2000 Legislative Session, over 36 counties had joined my efforts. After 5 years of hard work, five years of intense political opposition, it appeared we were in the best possible position to finally get something passed. As the sponsor of the legislation, I was asked to appear on 60 Minutes, the news show. The segment aired in January 2000. A national spotlight was shown on Florida and its burgeoning predatory lending industry. Soon after, the Senate president and Majority Leader pledged their support. The road to success had been paved. I was especially proud when H.B. 301 was signed by the Governor on May 18, 2000 at the Martin Federal Credit Union in Orlando before a crowd of more than 150 people. It was a fitting demise for predatory lenders in a place that offers more than small loans. Credit unions offer hope for a better future. (Dorrine Barker, Esquire, also contributed to this article)...

Much has been said and written about how the new millennium is redefining members' service expectations. We've all heard how changing demographics, the influence of the Internet, and increased competition (among other factors) are requiring credit unions to respond to the ever-evolving service requirements of members. But what about the service requirements of credit unions? As members demand faster, better, more convenient service from credit unions, we must demand the same of our business partners. There isn't a credit union that can "go it alone" these days-particularly in fast-changing, increasingly complex arenas like technology and regulation. We're all relying on business partners to help us provide the products and services our members require. Without exceptional service from those partners, we don't stand a chance of meeting our goals. Although I speak from over 25 years experience at several different credit unions, my most recent experience as CEO of Alliance Credit Union probably best illustrates this point. Alliance serves two distinctly different markets. Nearly 75% of our 44,200 members reside in and around the Silicon Valley. It's a segment marked by high incomes and significant disposable income, along with less loyalty to financial institutions and greater demands for remote, electronic services. The balance of our members live in North Carolina. While many are employees of a division of GE, our oldest SEG, many of our North Carolina members tend to have less disposable income and prefer more face-to-face interaction. Delivering the vastly different products and services required by these two segments demands a strong partnership with technology providers - particularly when it comes to meeting the needs of our technology-savvy Silicon Valley members. Like most credit unions, we work with a number of business partners within the technology arena. In addition to our core system provider, we partner with third parties that offer expertise in specialized areas, such as 24/7 lending, asset/liability management, and marketing/MCIF. Our ability to retain our current member base and attract new members depends, to a great extent, on the service we receive from these technology partners. After all, if the Internet banking system doesn't work or the audio response system is always unavailable, you can't expect to stay in business for very long. When a partner's service so directly impacts your ability to serve members, how do you ensure that you're receiving the best service you can expect? 1. Choose a partner, not a vendor. It may sound clich, but you really do need a business partner to guide you through the technology world. A partner that will take the time to understand your organization, how it operates, how your staff works-and all of the other nuances that result in a higher level of service. One way we assess a vendor's potential to be a true partner is by talking with their clients to find out just how well the supplier's representatives have gotten to know their organizations. 2. Build relationships with people, not companies. Good service is only possible if you establish a rapport with the people who will provide that service. It can be tough to do these days, since we're all moving at warp speed. But once I took the time to build those relationships-and allowed my partners the time needed to do the same-I saw a resulting increase in the quality of the service we receive. 3. Get your strategic plans and philosophies in sync. Good service means your partner will provide what you need when you need it. And that can only happen if you share your plans and align your goals. For instance, knowing that USERS (our core system provider) was moving to a browser-based environment was important in planning our credit union's shift to a networked, intranet environment. Good service also stems from sharing similar operating philosophies. As an example, I believe it's important to know whether a supplier shares our views about keeping member data confidential, which is crucial to our Internet strategy. To ensure that your plans and philosophies mesh well, attend your partners' strategic planning forums and conferences, read their periodicals and talk to your Account Executives often. Doing so will directly translate to a better working relationship - and better service. 4. Demand accessibility. Our members expect fast, easy, immediate access to accounts and other information. We need to expect the same level of access to our partners' experts, the people we rely on to ensure uninterrupted service for our members. The less time we spend tracking down a supplier's representatives for answers, the more time we can allocate toward more crucial tasks - such as cross selling, marketing to new prospects, consulting with members, developing strategic plans, or providing technical guidance to our own staff. 5. Take time to revisit. Even in the most stable, long-term relationships, there are typically opportunities to work better. A partner that values good service will help you find these opportunities and guide you in taking advantage of them. Consider asking your technology suppliers to conduct a system audit that identifies ways to maximize your system use, in order to improve efficiencies, reduce costs, or speed processes. You may be surprised to find there are ways to do more-and to achieve these goals-with the systems you already have in place. That's precisely what I found when I requested a system review from USERS upon my arrival at Alliance three years ago. 6. Expect service options. Today, fast and accurate phone support in response to a service call is merely a baseline. Just as our members demand different services and delivery vehicles, credit unions should expect a choice of support options. One option growing in popularity is Web-based support, because it is fast, efficient and always available. Our DP manager uses an e-support tool to notify our system supplier about non-critical issues, which allows her to "make the call" anytime, anywhere, at her convenience. It's also a great way for her to track the status of an issue and provide much more supporting detail, such as attaching screen shots, than she could by phone. In addition, your supplier's service options should include proactive intervention and consulting help - allowing your credit union to learn from others' experiences and implement some of the industry's best practices. Redefining service in these terms isn't just a nice idea; it's the only way to maximize the investment in time, budget and other resources you make when you choose a business partner. By adopting the same, high service expectations your members espouse, your credit union will begin to build the kind of long-term, fruitful relationships required to achieve your business goals in the new millennium....

It seems only fitting that NAFCU's Annual Conference and Exhibition this year is in Hawaii, a part of the world that many consider the crossroads between the U.S. Mainland and the Pacific Rim. Fitting because NAFCU itself seems to be at a crossroads. A short 33 years ago, NAFCU was a lightly regarded start-up credit union trade association that was founded to better represent the unique needs of federal credit unions, and to compensate for what NAFCU's founders perceived as serious shortcomings at CUNA. With good initial leadership and staffing, the new-kid-on-the-block grew more rapidly in size and influence than most observers felt it would. And in the process, CUNA shaped up and became a more responsive and effective national CU trade group. NAFCU parlayed its much less cumbersome governance and membership structure, and its FCU niche, into an organization that could make decisions decisively and quickly. It also showed that it could get new programs and services into members' hands seemingly overnight. Like most trade groups, NAFCU hit middle age and began slowing down, actually forgetting some of the reasons that brought it its initial successes. But something else happened. CUNA changed. It got better. It refocused on what business it was in. It began to look and act like the old NAFCU. Except it was a lot bigger and had much deeper pockets. More and more credit unions liked what they saw in the new CUNA. Meanwhile, after a spurt of new members, NAFCU began losing members. It also lost a number of key senior staff and struggled with their replacements. Its leadership got tangled up in personal ego trips. Its offerings to members seemed to reach a plateau. Meanwhile, the newly energized and focused CUNA began eating NAFCU's lunch. In fact, CUNA CEO Dan Mica made no bones about the fact that long-time NAFCU CEO Ken Robinson's recent retirement would be a perfect time to completely swallow NAFCU and fold it into the CUNA structure. This is not to say that NAFCU, despite its smaller membership, staff, and resources, went from setting the standard for CUNA, to an ineffective CU trade group. Not at all. NAFCU continues to be a dynamic organization that knows its membership and serves its needs well. But there is no denying that the organization is at a crossroads, for some reasons it can control and many that it cannot. For example, in the can-control column, its new CEO, Fred Becker, seems to be the right man for the right job, at the right time. And so far at least, he seems more than up for the challenges that one encounters at a crossroads. But Becker can't do the job alone. He needs to beef up his staff with the best talent he can hire, much like Mica of CUNA has done. Also in the can-control column, NAFCU needs to evaluate what its members need and expect from the organization that they can't get elsewhere, at least as good. The most obvious example of what NAFCU does better than anyone else is its Annual Conference and Exhibition. CUNA's efforts to become the grand daddy of annual conventions has consistently fallen flat in comparison to NAFCU's ability to attract the bigger crowds, better speakers, and provide many more programming bells and whistles. Unfortunately, there is also the can't-control column. At the top of the list is the fact that more and more federal credit unions are abandoning the federal charter. Besides losing current members, NAFCU is seeing its total potential membership base shrink. This is especially troublesome to the organization because it is the larger credit unions, the big dues payers, that are making the charter switch in rapidly growing numbers. Being at a crossroads calls for drastic actions in order to move forward. One of the first decisions NAFCU leadership needs to consider is precisely who the organization should serve in the future. Continuing to limit membership to federal credit unions, as it has done since its inception, is to deny the inevitable. Times have changed. Taking that road will almost guarantee a slow and painful organizational death. The alternative choices are many: * Implement a grandfather clause that allows member credit unions converting to CU state charters (not to bank charters), to continue full NAFCU membership, including voting privileges, but perhaps at a slightly higher fee. * Allow former FCUs that were NAFCU members to become associate members with a separate fee schedule, but with no voting privileges. * Open up the membership completely to all federally insured credit unions and implement a tiered fee structure. The obvious ramifications of this route would mean that NAFCU has decided to go head to head with CUNA for credit union support and that NAFCU (whatever any new entity might be called) could eventually hope to match CUNA in membership, staff, budget, and political and legislative clout. * Merge with CUNA. No decisions should be made without full member input, something that was not done several years ago when turning NAFCU into NAFICU (National Association of Federally Insured Credit Unions) was seriously considered, but only at the staff and leadership levels. Once NAFCU is able to get a renewed and even clearer mission of what business it is in, and who it wants to serve and how, the next steps become even more obvious. These include as a highest priority, building up the senior management staff. This goes hand in hand with an increased organizational revenue stream. That in turn should lead to a re-prioritizing of membership benefits as well as make it feasible to develop or partner leading edge programs and services as CUNA is now doing at a breakneck pace. The worse thing NAFCU leaders and members gathered in Hawaii for the organization's 33rd Annual Conference and Exhibition can do, is do nothing. The days of business as usual for NAFCU are gone! Comments? Call 1-800-345-9936, Ext. 15, or Fax 561-683-8514, or E-mail mwelch@cutimes.com....

Frequent attendees at various state, regional, and national credit union educational conferences and meetings may never have given it a thought. Yet, at virtually every credit union meeting, the latest, hot-off-the-press issues of Credit Union Times are available for free distribution, even if the meeting begins on a weekend. Since there is a credit union meeting of some sort almost every week of the year, why does Credit Union Times go to this considerable expense? Shipping this huge issue to Hawaii for the NAFCU Annual Conference, for example, isn't exactly cheap. We do it for two reasons. The first is fairly obvious: to expose the publication to conference participants. We hope they'll like what they see and sign up for a paid subscription. By the way, this ongoing subscription promotion works very well. The second reason is probably not very obvious at all. Every issue of Credit Union Times carries up-to-the-minute, important news coverage of interest to credit unions and those who manage and set policy for them. Our reasoning is not just that those attending an out-of-town conference would find the editorial content valuable and interesting, but that by having the latest issue in front of them, it just might inspire more networking, speaker questions, and open forum topics among those at the meeting. By the way, we've been told many times that this also works well. Credit Union Times looks forward to seeing you at your next credit union conference....

SRP Federal Credit Union, North Augusta, S.C., has named Dick Coleman vice president of lending and Hugh Dicks vice president of administrative services. Arkansas Federal Credit Union, Jacksonville, has named Carla Davenport vice president of marketing and Sandy Rodriguez Little Rock branch manager. Educational Community Credit Union, Jacksonville, Fla., has promoted Brenda Williamson to vice president of lending. GTE Federal Credit Union has named Brad Baker vice president of member services....

HBE Financial Facilities, a designer and builder in the U.S., has named Thomas Mooney vice president of project development. KDA Financial, Inc., a design-build firm specializing in credit unions, has named John Hyche manager of the new KDA strategic consulting division. GATX Corporation, a financing provider for transportation, industrial and high technology assets, has elected Ronald J. Ciancio vice president and corporate counsel. Jackson National Life Insurance Company, has named Darin C. Dunlap regional sales manager of the institutional marketing group's Midwest region. Countrywide Home Loans, Inc., a provider of residential loans, has appointed the following employees: David Doyle, executive vice president of consumer direct production; Stephen Brandt, senior vice president of the home finance network; and Mike Taliaferro to executive vice president and head of production of the builder division and national branch system....

Constitution State Corporate Credit Union, Wallingford, Conn., has appointed the following members to its board: General Electric EFCU President/CEO Christopher Moran, chairman; Hamilton Sundstrand FCU President/CEO Robert Aresti, vice chairman; Waterbury Connecticut Teachers FCU President George MacDonald, treasurer; Mutual Security FCU President Larry Holderman, secretary; Duracell Industrial FCU President Lucille Paladino, director; and Dutch Point CU CEO Dorothy J. Sullivan, director. SSA Baltimore Federal Credit Union, Md., has elected the following members to its board: Bernice J. Chase, president; Marti Eckert Peyton, 1st vice president; Donna Y. Jackson, 2nd vice president; Daniel T. McGrane, treasurer; Robert A. Isaacs, assistant treasurer; Sandra West, secretary; Diane A. Foster, director; Barbara G. Cuffie, director; and Stanley Kluckowski, director. In addition, SSABFCU has re-elected Sheryl C Morsell credit committee director. Chartway Federal Credit Union, Virginia Beach, Va., has named Kimberly Oates vice president of retail....

Tulare County Teachers Federal Credit Union, Calif., has promoted Calleen Davenport to vice president of human resources and Nick Saulters vice president of lending. Meriwest Credit Union, San Jose, Calif., has promoted Julie A. Kirsch to executive vice president and chief operating officer of its new e-business division. Riverside County's Credit Union, Calif., has named Ricki McManuis vice president of marketing and business development. In addition, RCCU has announced the retirement of Patricia McKevitt-Ryman vice president of administration....

DEARBORN, Mich. - Lots of credit union CEOs have taken a winding path to the top office, but J. Ronald Unger's may be the most circuitous yet. Not only had Unger never managed a financial institution before becoming CEO of $1.1-billion Dearborn FCU here, he'd never even worked at one. Unger arrived in the Dearborn FCU CEO's office in 1996 with an altogether different type of resume. Like some leaders of military credit unions, it included some officer's duties at an overseas army base. It also features nearly two decades in the Detroit auto industry and significant entrepreneurial success, founding a company that grew to generate some $20 million in annual sales. So why a credit union? "In all my other roles, I was always involved in the nitty-gritty, day-to-day operations," explains Unger. "I was a producer or manager, or both. But I never felt like I had the opportunity to be a leader. "This job is the opposite," he notes. "I know nothing about the nitty gritty. I don't even know how to run a transaction here. This was a chance to see if I could be successful in a different role with an entirely different type of responsibility." After five years at Dearborn FCU, Unger believes he's answered that question, with a credit union that has grown to more than $1 billion, with added services and a new data processing system installed earlier this month that will significantly streamline the credit union's operations and thus improve member service. Without it, he says, "We were slowly falling farther and farther behind." With it and other changes, "This is a far different credit union than it was five years ago," he says. So Unger will leave Dearborn FCU this August, with a replacement to be announced shortly (see related story on page 32.) At just 59, he's not retiring, but voluntarily moving on to a soon-to-be-defined new challenge. Because one thing you figure out about Ron Unger is that he appears to do everything with a beguiling mix of casual ease and extraordinary purpose. Unger seems to figure out where he wants to go-in his career, in his life-and then simply goes there. To Detroit and back, via Korea and Cambridge Unger was born in Cleveland, but grew up in Pittsburgh, where his father worked for the Aluminum Company of America. Dad was a chemical engineer, son Ron always liked math and science, so it seemed only natural that he would go to Penn State and pursue a degree in engineering. By 1963, Unger had an engineering degree and "an interest in cars," so he started making calls to Detroit. Chevrolet, Unger determined, offered the best training program; the automaker was apparently equally impressed with him. Soon Unger and his new wife, high-school sweetheart Judy, moved to Detroit, where he followed a two-year program that introduced him to many facets of the auto industry. That completed, Chevy offered him a spot as a development engineer working on cooling systems. Unger was nicely slotted in a career path when his draft number was called. It was 1966, and things were reaching a boiling point in Vietnam. With his engineering background, Unger applied for a direct commission and was sent to the ordinance corps in Maryland. He had also applied for officer's school, and while in the ordinance corps, the U.S. Army gave him his lieutenant's bars and transferred him to the officer's training program at the same base. His training completed, "I figured I was going back to Detroit, where the Army had a tank development facility," Unger reasons. "They sent me to Korea instead." Unger managed a maintenance facility north of Seoul, where he supervised more than 100 men who repaired everything from earth-moving equipment to rocket launchers. "It thrust me into a management position, and I thoroughly enjoyed it," says Unger. "It was the ideal assignment." It's not a comment you're likely to hear from many Vietnam veterans, but you begin to realize that Unger's good fortunes have a lot to do with his good attitude. "I think I have two traits that have served me well," he suggests. "I have a positive attitude, and I have the initiative to just go out and do things." Indeed. Before leaving Korea in 1969, Unger applied to, and was accepted by, the graduate business schools at the University of Michigan and Harvard. He said yes to Harvard, and then spent the next two months with Judy traveling all over Asia-Hong Kong, the Philippines, Malaysia, Cambodia, Japan. His two years at Harvard, he says later, probably had the most profound impact on his young career. "The work ethic is incredible," he explains. "You quickly figure out you can't get everything done. So you learn to look at a situation, make a decision and move on. You don't second guess. What's past is past." Harvard MBA in hand, Unger turned back to the auto industry in 1971, this time accepting a job offer from Ford. But first, Unger made the most of another window of opportunity: Before settling in Detroit, he and Judy took off across the Atlantic. Along with a jaunt through Europe, they spent three weeks in the Soviet Union, which, in 1971, was an exotic locale indeed. A Career on Wheels Unger's career at Ford spanned the 1970s and early `80s. He moved up the management ranks and through various engineering roles in car product planning, the Dearborn engine plant, the advanced truck engineering area and more. "I did a lot of the early work on electronic engine controls, developing new ideas in enhancing things like fuel efficiency," he explains. "Ford was very good to me." But by the early `80s, the American auto industry was also in the throes of its competitive battles with Japanese manufacturers, and it was not a pretty time in Detroit. Unger decided it was time to do something else. "I figured I'd find something. I'd always told people, `If you don't like what you're doing, do something else.' So I followed my own advice." The something else Unger chose was to start his own company, along with another former co-worker at Ford. They founded Intelligent Controls, Inc., which manufactured electronic control systems for the auto industry. Unger handled the financial and administrative duties, while his partner took care of engineering and marketing. They owned the company 50-50 and enjoyed "an unbelievably good working relationship. We remain good friends to this day." Ford became a major customer, and the company grew at an astounding rate-from 15 people to more than 250 in just a few years. Annual sales leaped from zero to $20 million in a decade. "It wasn't a dot-com type of growth, but we were recognized twice by Inc Magazine on its list of the 500 fastest-growing privately held companies in the U.S.," acknowledges Unger. "We were growing rapidly, but at a modulating pace-20, 30, 40 percent a year." Still, the growth took its toll. "It was a tremendous strain on my partner and me," Unger reveals. "Our resources were limited because we started with a very small investment. We obtained a lot of outside financing as we grew, but we were constantly walking a tightrope. It was just a very stressful situation when you're responsible for that many people." Somewhere along the way, the partners agreed on a figure for which they'd sell the company, "not really ever expecting to get that amount," says Unger. But the British company that made Cosworth engines-now called Vickers America Holdings-wanted a foot in the American market. The partners received their asking price in 1995. His Role at Dearborn FCU The same year, the president of Dearborn FCU-John Elkins-retired. Unger had joined the credit union in the early 1970s when it was largely an employee credit union of Ford. By the early `90s, he was a member of the Supervisory Committee, and moved up to the board in 1995. "I tried to introduce a lot of the ideas that worked for us at Intelligent Controls," Unger explains. He encouraged the use of technology, and was a big believer in individual computers, "so that everyone could do their own work," rather than bogging things down with lots of administrative layers. He also helped the credit union with its search process, employing a technique he had used at his firm. They developed a list of characteristics and credentials for the job, which included someone with CEO experience and expertise in technology, an identified weak spot in the credit union. Meanwhile, says Unger, the credit union was guided by a newly created an Office of the President, comprising three Dearborn FCU vice presidents. "None were interested in being president and there were no other obvious successors." Unless you count, as the board did, Ron Unger. "It honestly never crossed my mind that I'd be a candidate," Unger professes. "I hadn't been available (Unger was under contract to consult with his former company), but when that ended early, I guess the timing could not have been better. I pretty well fit the credentials, and really liked the people here." He accepted the job in 1995, with the understanding that it would not be a career-long commitment. After all, with the success of his (and Judy's) career, Unger is in the enviable position of having "no pressure to work or not work," he acknowledges. Besides, he pursues a roster of activities and interests that could easily fill a 48-hour day: he enjoys computers, woodworking and photography, the latter of which has now expanded to include editing digital video footage into documentaries. Then there's the cycling and travel. For the last 12 years, Unger has averaged almost 3,500 miles a year on his touring bicycle, including the 50-mile weekend rides he and Judy routinely log. Unger has pedaled from Cape Town to Durban in South Africa, and he and his older son (the Ungers have two grown sons) rode 1,200 miles from Hanoi to Saigon in Vietnam in 1998. "There were not many Americans and no diplomatic relations at the time," he says cheerily. "A bicycle is a fascinating way to see a country." He and Judy plan to cycle through China this summer. As for his post-auto, post-Dearborn career, Unger has been involved in some investments with a venture capital firm over the last year, he reports, and is looking at "offering his services in business development." Maybe he's just not saying, or maybe for the first time, Unger doesn't want to have a crystal clear picture of where he's going next. Maybe he just wants to dabble in his hobbies and spend time at his vacation home in northern Michigan. Maybe he's created and addressed enough challenges. "I'm not a political person, and I'm not a real hard-charging person," says Unger. "I've never wanted to be vice president of Ford Motor Company. "I hope none of this comes across as arrogance," he adds. "I think I'm just one of those very fortunate people who has gone through life able to capitalize on my strengths. Quite honestly, I don't think I could've planned a better career for myself." -...

2000 VENDOR MEETINGS AND EVENT CALENDAR AUGUST AUGUST 1-4 National Center for Credit Unions' (NCCU) 23rd Annual National Directors' Conference, Caesars Palace, 800-634-6661, Las Vegas, Nev. For info: Dennis J. Sullivan, 301-287-2211. AUGUST 1-4 CUNA Mutual Group's Consumer Lending Schools & Open-End Workshop, The Madison Concourse Hotel, 800-356-8293, Madison, Wis. For info: 800-356-9655. AUGUST 3-4 CU Financial Services Client Conference; Golf Outing & Casco Bay Cruise, Woodlands Club, Falmouth, Maine. For info: Alan D. Theriault, 800-649-2741. AUGUST 4 CUNA Mutual Group's Open-End Workshop, The Madison Concourse Hotel, 800-356-8293, Madison, Wis. For info: 800-356-9655. AUGUST 6-10 Creditors Law Center's Mapother College of Collections, Seelbach Hotel, Louisville, Ky. For info: Mary Kay McCubbin, 502-587-5452. AUGUST 9-12 Loescher & Associates 2000 National Conference on Credit Union Fraud & Loss Prevention, Caesars Palace, 800-634-6001, Las Vegas, Nev. For info: Barbara Loescher, 608-278-0465. AUGUST 10-13 CU Conferences' National Human Resource/Personnel Issues Credit Union Conference, Seattle, Wash. For info: Chris White, 888-465-6010. AUGUST 13-16 Masterful Events & ICUBC's Executive Leadership Team Symposium 2000, Doubletree Hotel, San Diego, Calif. For info: 800-881-3544. AUGUST 16-19 Computer Consultants Corp. Annual Conference, "Navigating Your Destiny," Salt Lake City, Utah. For info: 2000 Conference Team, 801-575-5121. AUGUST 17-18 Experian's Advanced New Applicant Scoring Workshop, Chicago, Ill. For info: Emily Bone, 404-841-1429. AUGUST 21-25 Lending Solutions' Rex Johnson's University of Lending, Crystal Lake Holiday Inn, Crystal Lake, Ill. For info: Marsha Wieder, 888-574-6572. SEPTEMBER SEPTEMBER 6-10 CU Conferences' Directors Roundtable Conference, The Outrigger Wailea Resort, Maui, Hawaii. For info: Chris White, 888-465-6010. SEPTEMBER 10-11 Creditors Law Center's Mapother Basics of Bankruptcy School, Four Points Sheraton, Orlando, Fla. For info: Mary Kay McCubbin, 502-587-5452. SEPTEMBER 11-15 Lending Solutions' Rex Johnson's University of Lending, Crystal Lake Holiday Inn, Crystal Lake, Ill. For info: Marsha Wieder, 888-574-6572. SEPTEMBER 12-14 Creditors Law Center's Mapother Advanced Bankruptcy School, Four Points Sheraton, Orlando, Fla. For info: Mary Kay McCubbin, 502-587-5452. SEPTEMBER 12-14 USERS Incorporated EdCon 2000, Hyatt Regency Grand Cypress, 407-239-1234, Orlando, Fla. For info: Stacey Motznik, 800-523-7282, ext. 1548. SEPTEMBER 13-16 Liberty's Database Marketing Conference, Minneapolis, Minn. For info: Amy Murnan, 800-607-2435, ext. 2438. SEPTEMBER 14-15 Brick & Associates, Inc. "Strategic Conference," The Hotel Viking, Newport, R.I. For info: 800-332-8188. SEPTEMBER 15 CU Financial Services' The Mutual Thrift Charter Option, University Club of Washington, D.C. For info: Alan D. Theriault, 800-649-2741. SEPTEMBER 15 Experian's Quantifying Portfolio Performance Seminar, Orange County, Calif. For info: Emily Bone, 404-841-1429. SEPTEMBER 17-20 Masterful Events & ICUBC's Credit Union Directors Summit 2000, The Antlers Adams Mark Hotel, Colorado Springs, Colo. For info: 800-881-3544. SEPTEMBER 18 CU Financial Services' The Mutual Thrift Charter Option, Airport Delta Crown Room, Dallas, Texas. For info: Alan D. Theriault, 800-649-2741. SEPTEMBER 20 CU Financial Services' The Mutual Thrift Charter Option, location TBA, Los Angeles, Calif. For info: Alan D. Theriault, 800-649-2741. SEPTEMBER 21 - OCTOBER 3 Conference Cruise Professionals Mediterranean Cruise with Rex Johnson & Bill Mapother, Grand Princess. For info: Pam Ruiz, 877-290-6500. SEPTEMBER 27-29 NYCE Corporation's Electronic Delivery Conference, Boston Marriott Copley Place Hotel, Boston, Mass. For info: Gregory J. Sgroi, 201-476-5727. OCTOBER OCTOBER 4-7 Loescher & Associates' 2000 Supervisory Committee Conference, Omni Chicago Hotel, 312-944-6664, Chicago, Ill. For info: Barbara Loescher, 608-278-0465. OCTOBER 5-6 O'Rourke Sacher & Moulton's 25th Annual Supervisory Committee and Director's Conference, Hilton in the Walt Disney World Resort, Lake Buena Vista, Fla. For info: 800-726-7470. OCTOBER 5-7 Masterful Events & ICUBC's Deep South Volunteer Conference for Credit Unions, Sheraton Music City Hotel, Nashville, Tenn. For info: 800-881-3544. OCTOBER 9-13 Lending Solutions' Rex Johnson's University of Lending, Crystal Lake Holiday Inn, Crystal Lake, Ill. For info: Marsha Wieder, 888-574-6572. OCTOBER 10-13 CUNA Mutual Group's Consumer Lending Schools & Open-End Workshop, Renaissance Madison Hotel, 206-583-0300, Seattle, Wash. For info: 800-356-9655. OCTOBER 12-13 Brick & Associates, Inc. "Strategic Conference," East Lansing Marriott, East Lansing, Mich. For info: 800-332-8188. OCTOBER 13 CUNA Mutual Group's Open-End Workshop, Renaissance Madison Hotel, 206-583-0300, Seattle, Wash. For info: 800-356-9655. OCTOBER 15-18 Masterful Events & ICUBC's Credit Union Trainer's Institute 2000, Marriott Hotel, Albuquerque, N.M. For info: 800-881-3544. OCTOBER 18-20 re:Member Data Services Strategic Partner Conference, Paradise Point Resort, 800-344-2626, San Diego, Calif. For info: Kristi Lowell, 800-888-2112, ext. 345. NOVEMBER NOVEMBER 2-5 CU Conferences' CU InfoTech, The Adolphus Hotel, Dallas, Texas. For info: Chris White, 888-465-6010. NOVEMBER 4-11 Masterful Events & ICUBC's Credit Union Edu-Cruises 2000, "Caribbean Magic for Credit Union Leaders," The Sea Princess, Princess Cruise Lines. For info: 800-881-3544. NOVEMBER 6-10 Lending Solutions' Rex Johnson's University of Lending, Crystal Lake Holiday Inn, Crystal Lake, Ill. For info: Marsha Wieder, 888-574-6572. NOVEMBER 9-10 Experian's Advanced New Applicant Scoring Workshop, Atlanta, Ga. For info: Emily Bone, 404-841-1429. NOVEMBER 16 Experian's Introduction To Risk-Based Pricing Seminar, Orange County, Calif. For info: Emily Bone, 404-841-1429. NOVEMBER 17 Experian's Advanced Risk-Based Pricing Seminar, Orange County, Calif. For info: Emily Bone, 404-841-1429. NOVEMBER 28 CU Financial Services' The Mutual Thrift Charter Option, location TBA, Tampa, Fla. For info: Alan D. Theriault, 800-649-2741. DECEMBER DECEMBER 4-8 Lending Solutions' Rex Johnson's University of Lending, Crystal Lake Holiday Inn, Crystal Lake, Ill. For info: Marsha Wieder, 888-574-6572. DECEMBER 7-8 Experian's Behavior Scoring Workshop, Atlanta, Ga. For info: Emily Bone, 404-841-1429. DECEMBER 7-9 ASPEC 2000 Conference, Georgia World Congress Center, Atlanta, Ga. For info: Frank Sheridan, 770-998-9800 or Nicole Sobell, 978-474-1900. DECEMBER 14-15 Experian's Introduction To New Applicant Scoring Workshop, Orange County, Calif. For info: Emily Bone, 404-841-1429....

2000 ASSOCIATION MEETINGS AND EVENT CALENDAR AUGUST AUGUST 6-11 CUES Executive Marketing Institute, Sheraton Boston Hotel & Towers, Boston, Mass. For info: Lucy Roidt, 608-271-2664. AUGUST 6-11 CUES Executive Operations Institute, Sheraton Boston Hotel & Towers, Boston, Mass. For info: Lucy Roidt, 608-271-2664. AUGUST 9-11 Alaska CU League's Alaska Symposium 2, Westin Alyeska Prince Hotel, Girdwood, Alaska. For info: Sherrie McDaid, 907-562-1255. AUGUST 9-12 CUNA Technology Council's 5th Annual Technology Summit, Colorado Springs Marriott, Colorado Springs, Colo. For info: Bobbi Freund, 800-356-9655, ext. 4018. AUGUST 12-16 Defense CU Council Conference, Hyatt Regency at Embarcadero Center, San Francisco, Calif. For info: Mary Harter, 202-682-5993. AUGUST 13-18 CUNA & Affiliates Financial Management School: Parts I & II, Wyndham Emerald Plaza Hotel, 619-239-4500, San Diego, Calif. For info: Deb Verdecchia, 800-356-9655, 4249. AUGUST 20 CUNA & Affiliates Diversity Seminar: Perception vs Impact, Portland Hilton, 503-226-1611, Portland, Ore. For info: Deb Verdecchia, 800-356-9655, ext. 4249. AUGUST 20-23 CUNA & Affiliates AACUL Finance & Administration Conference, Wyndham Emerald Plaza Hotel, 619-239-4500, San Diego, Calif. For info: Deb Verdecchia, 800-356-9655, ext. 4249. AUGUST 20-24 CUNA & Affiliates Leading Change and Innovation Through Diversity, Portland Hilton, 503-226-1611, Portland, Ore. For info: Deb Verdecchia, 800-356-9655, ext. 4249. AUGUST 20-24 CUNA & Affiliates Managers Update: HR Fundamentals, Portland Hilton, 503-226-1611, Portland, Ore. For info: Deb Verdecchia, 800-356-9655, ext. 4249. AUGUST 20-23 CUNA & Affiliates Economics & Investments Conference, Wyndham Emerald Plaza Hotel, 619-239-4500, San Diego, Calif. For info: Deb Verdecchia, 800-356-9655, ext. 4249. AUGUST 24-26 National Youth Involvement Board's National Conference, Edgewater Hotel, Madison, Wis. For info: Barb Main, 608-833-9655 or Heather Harris, 888-267-7264. AUGUST 24-26 South Carolina CU League's Leadership Conference, Hilton Resort, Hilton Head Island, S.C. For info: 800-235-4290. AUGUST 27-30 CUNA & Affiliates CEO Bootcamp, Sundance, 801-225-4107, Utah. For info: Deb Verdecchia, 800-356-9655, ext. 4249. SEPTEMBER SEPTEMBER 7-9 Pennsylvania CU League's Fall Leadership Conference & Trade Show, Seven Springs Mountain Resort, Champion, Pa. For info: Jinny Cosgriff, 717-234-3156, ext. 5217. SEPTEMBER 8-9 MACU's Development Conference & Exposition, Amway Grand Plaza Hotel, Grand Rapids, Mich. For info: Melody Arnst, 517-321-3068. SEPTEMBER 8-9 Western Association of Technology CU's 39th Annual Conference, Monterey Marriott, 831-649-4234, Monterey, Calif. For info: Bob Spindler, 858-792-3883. SEPTEMBER 8-10 Minnesota CU Network's Fall Conference, Madden's Resort on Gull Lake, Brainerd, Minn. For info: 612-854-3071. SEPTEMBER 9-10 CUNA & Affiliates Compliance Fundamentals Seminar, Tradewinds Resort, 727-367-6461, St. Pete Beach, Fla. For info: Deb Verdecchia, 800-356-9655, ext. 4249. SEPTEMBER 10-13 NAFCU's Congressional Caucus, Grand Hyatt, Washington, D.C. For info: Member Service Center, 800-344-5580. SEPTEMBER 10-14 CUNA & Affiliates Regulatory Compliance Update, Tradewinds Resort, 727-367-6461, St. Pete Beach, Fla. For info: Deb Verdecchia, 800-356-9655, ext. 4249. SEPTEMBER 10-15 CUNA & Affiliates Regulatory Compliance School, Tradewinds Resort, 727-367-6461, St. Pete Beach, Fla. For info: Deb Verdecchia, 800-356-9655, ext. 4249. SEPTEMBER 10-15 CUNA & Affiliates AACUL League Auditors and Info & Compliance School, Tradewinds Resort, 727-367-6461, St. Pete Beach, Fla. For info: Deb Verdecchia, 800-356-9655, ext. 4249. SEPTEMBER 10-15 CUNA & Affiliates Marketing Management School: Part III, Wyndham Emerald Plaza Hotel, 619-239-4500, San Diego, Calif. For info: Deb Verdecchia, 800-356-9655, ext. 4249. SEPTEMBER 10-15 CUNA & Affiliates Collections & Credit Counseling School, Chateau Sonesta, 504-586-0800, New Orleans, La. For info: Deb Verdecchia, 800-356-9655, ext. 4249. SEPTEMBER 12-16 LICU+ Annual Fall Meeting, Hotel Halifax, Halifax, Nova Scotia. For info: Barbara DeAngelo, 607-754-7900, ext. 380. SEPTEMBER 13 Mid-States Corp. FCU's ACH Compliance Workshop, Holiday Inn Brandywine, Peoria, Ill. For info: Kim Endres, 630-983-3193. SEPTEMBER 13-15 Oklahoma CU League's Annual Meeting, Marriott Southern Hills, 918-493-7000, Tulsa, Okla. For info: Shannon Lykins, 918-496-4688, ext. 236. SEPTEMBER 17 CUNA & Affiliates e-Commerce Seminar, Portland Hilton, 503-226-1611, Portland, Ore. For info: Deb Verdecchia, 800-356-9655, ext. 4249. SEPTEMBER 17-20 CUES Directors Leadership Institute, Centre for Management Development, London Business School, London, England. For info: Lucy Roidt, 608-271-2664. SEPTEMBER 17-21 CUNA & Affiliates AACUL Technology Conference, Portland Hilton, 503-226-1611, Portland, Ore. For info: Deb Verdecchia, 800-356-9655, ext. 4249. SEPTEMBER 17-21 CUNA & Affiliates e-Commerce School: Parts I & II, Portland Hilton, 503-226-1611, Portland, Ore. For info: Deb Verdecchia, 800-356-9655, ext. 4249. SEPTEMBER 20-22 Washington CU League's Annual Convention & Business Meeting, Yakima Convention Center, Yakima, Wash. For info: Skott Pope, 206-340-4111. SEPTEMBER 20-22 NACUSO's Fall Conference/Workshop, Renaissance Hotel, Washington, D.C. For info: Bob Dorsa, 888-462-2870. SEPTEMBER 21-23 Combined Council of Automotive CU's Annual Meeting, Monterey Marriott, Monterey, Calif. For info: Linda Bikoff, 202-337-0023. SEPTEMBER 24-29 CUNA & Affiliates Human Resource Management School: Parts I & II, Chateau Sonesta, 504-586-0800, New Orleans, La. For info: Deb Verdecchia, 800-356-9655, ext. 4249. SEPTEMBER 24-29 CUNA & Affiliates Consumer Lending Foundations School: Part I, Tradewinds Resort, St. Pete Beach, Fla. For info: Deb Verdecchia, 800-356-9655, ext. 4249. SEPTEMBER 24-29 CUNA & Affiliates Consumer Lending Management School: Part II, Tradewinds Resort, St. Pete Beach, Fla. For info: Deb Verdecchia, 800-356-9655, ext. 4249. SEPTEMBER 24-29 CUNA & Affiliates Consumer Lending Strategic Development School: Part III, Tradewinds Resort, St. Pete Beach, Fla. For info: Deb Verdecchia, 800-356-9655, ext. 4249. SEPTEMBER 26-29 NASCUS 35th Annual Conference & Symposium, Casa Marina Resort, Key West, Fla. For info: Leigh Bell, 703-528-8351. SEPTEMBER 26-29 ACUIA's 2000 Seminar & Confererence, LeCentre Sheraton Hotel, Montreal, Quebec, Canada. For info: 614-523-3667. SEPTEMBER 27 Mid-States Corp. FCU's ACH Compliance Workshop, ICU Education Center, Naperville, Ill. For info: Kim Endres, 630-983-3193. SEPTEMBER 27-29 Empire Corporate FCU's Financial Strategies Conference 2001, Foxwoods Resort Casino, Mashantucket, Conn. For info: Nancy Comiskey, 800-253-0053, ext. 3997. SEPTEMBER 28-29 New Mexico CU League's Special Issues Conference, Cloudcroft Lodge, 505-682-2566, Cloudcroft, N.M. For info: Sylvia Lyon, 505-298-9899 or 800-366-6628. SEPTEMBER 28-30 Indiana CU League's Annual Meeting, Indianapolis, Ind. For info: Joe Guilfoy, 317-594-5313. SEPTEMBER 30 New Mexico CU League's Small CU Conference, Cloudcroft Lodge, 505-682-2566, Cloudcroft, N.M. For info: Sylvia Lyon, 505-298-9899 or 800-366-6628. OCTOBER OCTOBER 1-3 CUNA National Symposium & Annual Meeting, Chicago Hilton & Towers, Chicago, Ill. For info: Bruce Kane, 800-356-9655, ext. 4149. OCTOBER 2-4 CUNA & Affiliates Electronic Presentment & Bill Payment Institute, Palm Springs Riviera Resort, 760-327-8311, Palm Springs, Calif. For info: Deb Verdecchia, 800-356-9655, ext. 4249. OCTOBER 2-5 CUNA & Affiliates Security Institute: Parts I & II, Palm Springs Riviera Resort, 760-327-8311, Palm Springs, Calif. For info: Deb Verdecchia, 800-356-9655, ext. 4249. OCTOBER 4 NAFCU's Audio Conference. For info: Member Service Center, 800-344-5580. OCTOBER 10-14 CUNA & Affiliates CDCU Institute, Manchester, N.H. For info: Deb Verdecchia, 800-356-9655, ext. 4249. OCTOBER 11-12 Florida CU League's Call Center Conference, Orlando, Fla. For info: Education Dept., 800-342-1266. OCTOBER 11-14 National Association of CU Chairmen's 25th Annual Idea Exchange, Sheraton Kaanapali, 808-661-0031, Maui, Hawaii. For info: Kathy Clark, 888-987-4247. OCTOBER 12-14 CUES Director Development Seminar: High Performance Boards, Four Seasons Hotel, Vancouver, British Columbia, Canada. For info: Lucy Roidt, 608-271-2664. OCTOBER 14-20 NAFCU's Management Development Institute, University of Maryland, College Park, Md. For info: Member Service Center, 800-344-5580. OCTOBER 15-20 CUNA & Affiliates Business Development School: Parts I & II, Palm Springs Riviera Resort, 760-327-8311, Palm Springs, Calif. For info: Deb Verdecchia, 800-356-9655, ext. 4249. OCTOBER 19-21 Oregon CU League's 64th Annual Meeting & Convention, Eugene Hilton, Eugene, Ore. For info: Alison Carr, 800-688-6098. OCTOBER 22 CUNA & Affiliates Training & Development Seminar, Hilton Palacio del Rio, 210-222-1400, San Antonio, Texas. For info: Deb Verdecchia, 800-356-9655, ext. 4249. OCTOBER 22-25 CUNA & Affiliates Training & Development Institute: Parts I & II, Hilton Palacio del Rio, 210-222-1400, San Antonio, Texas. For info: Deb Verdecchia, 800-356-9655, ext. 4249. OCTOBER 22-25 CUNA & Affiliates AACUL Education & Training Conference, Hilton Palacio del Rio, 210-222-1400, San Antonio, Texas. For info: Deb Verdecchia, 800-356-9655, ext. 4249. OCTOBER 22-26 CUNA & Affiliates Branch Operations Institute: Part I, Le Meridien, 504-525-6500, New Orleans, La. For info: Deb Verdecchia, 800-356-9655, ext. 4249. OCTOBER 22-26 CUNA & Affiliates Leadership Development Institute: Part II, Le Meridien, 504-525-6500, New Orleans, La . For info: Deb Verdecchia, 800-356-9655, ext. 4249. OCTOBER 22-27 CUNA & Affiliates Leadership Development Institute: Part I, Le Meridien, 504-525-6500, New Orleans, La . For info: Deb Verdecchia, 800-356-9655, ext. 4249.. OCTOBER 25-26 Washington CU League's CEO Summit, Seattle, Wash. For info: Skott Pope, 206-340-4822. OCTOBER 29-NOVEMBER 1 CUNA & Affiliates CUSO Institute: Parts I & II, Wyndham Emerald Plaza Hotel, 619-239-4500, San Diego, Calif. For info: Deb Verdecchia, 800-356-9655, ext. 4249. OCTOBER 29-NOVEMBER 1 CUNA & Affiliates National Volunteers Institute, Moon Palace, Cancun, Mexico. For Info: Deb Verdecchia, 800-356-9655, ext. 4249. NOVEMBER NOVEMBER 4-9 CUNA Lending Council's 6th Annual Credit Union Lending Conference, Renaissance Esmeralda Resort, Indiana Wells, Calif. For info: Bobbi Freund, 800-356-9655, ext. 4018. NOVEMBER 5-8 CUES CEO Network, Hyatt Regency, Koloa, Kauai, Hawaii. For info: Lucy Roidt, 608-271-2664. NOVEMBER 5 CUNA & Affiliates Financial Counseling School Seminar, Palm Springs Riviera Resort, 760-327-8311, Palm Springs, Calif. For info: Deb Verdecchia, 800-356-9655, ext. 4249. NOVEMBER 5-9 CUNA & Affiliates Branch Operations Institute: Part II, Newport Beach Marriott Hotel & Tennis Club, 949-640-4000, Newport Beach, Calif. For info: Deb Verdecchia, 800-356-9655, ext. 4249. NOVEMBER 5-10 CUNA & Affiliates Financial Counseling School, Palm Springs Riviera Resort, 760-327-8311, Palm Springs, Calif. For info: Deb Verdecchia, 800-356-9655, ext. 4249. NOVEMBER 5-10 CUNA & Affiliates Management Essentials for Supervisors School: Parts I & II, Palm Springs Riviera Resort, 760-327-8311, Palm Springs, Calif. For info: Deb Verdecchia, 800-356-9655, ext. 4249. NOVEMBER 6-8 CUNA & Affiliates CU Finance for Non-Financials Institute: Part III-Annual Update, Palm Springs Riviera Resort, 760-327-8311, Palm Springs, Calif. For info: Deb Verdecchia, 800-356-9655, ext. 4249. NOVEMBER 8-10 Florida CU League's Collections/Bankruptcy Conference, Orlando, Fla. For info: Education Dept., 800-342-1266. NOVEMBER 11-15 NCUMA's Fall Meeting, Marriott Frenchman's Reef Hotel, St. Thomas, US Virgin Islands. For info: Jerry K. Anchors, 404-255-6828. NOVEMBER 16-18 California CU League's Annual Meeting & Convention, San Francisco Marriott, San Francisco, Calif. For info: Leslee Summers, 909-628-6044, ext. 250. NOVEMBER 19-20 CU Affiliates of New Jersey Annual Meeting, Bally's Park Place, Atlantic City, N.J. For info: Mary A. Jasionowski, 609-448-2426, ext. 108. DECEMBER DECEMBER 6 NAFCU's Audio Conference. For info: Member Service Center, 800-344-5580. DECEMBER 11-14 CUES Directors Conference, Bellagio, Las Vegas, Nev. For info: Lucy Roidt, 608-271-2664....

Fort Worth Chapter of Credit Unions, Texas, Vice President Donna Couch had the honor of presenting the Children's Miracle Network with a $4 million check from all the credit unions in the United States. Since Texas was one of the biggest contributors to CMN, the charitable organization contacted TCUL about having a representative from the Fort Worth Chapter at the telethon. The Fort Worth Chapter had increased its CMN donations 115% from 1998 to 1999, averaging more per member than any other chapter in Texas. CMN has a special program called Credit Unions for Kids, which is a collaboration of credit unions, chapters, leagues and business affiliates engaged in fundraising activities to benefit 170 CMN affiliated children's hospitals serving 14 million kids. St. Mary's Bank, Manchester, N.H., has donated $1,000 through its community outreach program to support the building of a new addition at Webster House. Webster House currently houses 18 youths. The addition includes new flooring, new rooms and a new fitness facility for the youth. The goal of Webster House is to provide a stable living environment for children of all ages who are unable to live at home. St. Mary's Bank has $342.8 million in assets and serves 43,729 members. Royal Credit Union, Eau Claire, Wis., has raised over $5,000 during the Sixth Annual RCU Charity Classic Run/Walk. The money raised will be donated to Big Brothers Big Sisters of the Chippewa Valley, which provides a child with a caring adult, and the Family Resource Center for Eau Claire, Inc., which provides programs and services that build on family strengths through prevention, education, support and networking with other resources in the community. Approximately 400 men, women, and children participated and received awards, mugs and medallions for their efforts. RCU has $460 million in assets and serves 87,444 members. Philadelphia Federal Credit Union, has teamed up with the Free Library of Philadelphia to make this year's membership campaign a success by raising $1,000. In addition to providing free books, CD's and internet access, the Free Library of Philadelphia provides cultural and community programs. PFCU took its support one step further by offering an on-site library card registration for employees. Over 60 employees enrolled for membership. PFCU has $333.8 million in assets and serves 95,343 members. First Tech Credit Union, Beaverton, Ore., will host the first Credit Union for Kids - Hank & Moose Open golf tournament to benefit Doernbecher Children's Hospital. FTCU, along with many other Oregon and Southwest Washington credit unions, has teamed together to bring baseball legends such as Enos Slaughter, Don Larsen, Hank Bauer and Moose Skowron to Portland to participate in a shamble format tournament featuring special contests, food, a silent/oral auction, raffle and an awards ceremony. The goal is to net $125,000. The fund raising tournament is scheduled to be held at the Reserve Vineyards & Golf Club in Aloha, Ore. on August 28. For more information, contact Tom Sargent at 503-644-1224....

Educational Community Credit Union, Jacksonville, Fla., has announced that Senior Teller Supervisor Robert D'Augostine has been selected as "Teller of the Year" for Northeast Florida by the Bank Security Association. D'Augostine has worked at ECCU for 13 years and in his spare time teaches school seminars in business development. ECCU has $420 million in assets and serves 64,361 members. Iowa Credit Union League, West Des Moines, has awarded Principal Employees' Credit Union CEO James D. Niederhauser the 2000 Cooperative Spirit Award. The award honors individual credit union advocates for outstanding service, commitment and leadership in the credit union movement. D. Hilton Associates, Inc., a credit union industry consultant, has recently received national certification from the Society for Human Resource Management for the following staff members: JoAnn Lipsey, senior professional in human resources; Jared Dowling, professional in human resources; and Jodie Taylor, professional human resources. The certification courses cover such issues as how to effectively deal with human resource strategic planning, international competition, management staffing, family and social issues impacting the workplace, employee rights and emerging human resource issues. Mississippi Credit Union System, Jackson, has inducted W. T. Avara to its Hall of Fame for his 44 years of continued service and dedication to the credit union movement. Avara has served as president of the Mississippi Credit Union System on two occasions and as national director several times. Avara has spent his life in an effort to serve and to help where help was needed....

First New England Federal Credit Union, East Hartford, Conn., has announced its merger with the French Social Circle Credit Union as of July 1, 2000. The current West Hartford branch of the FSC FCU will be closed and members will be serviced out of First New England FCU's Newington , East Hartford and Vernon branch locations. First New England FCU has $34 million in assets and serves 9.653 members. Jessop Employees Federal Credit Union, Washington, Pa., has awarded PWCampbell the design/build contract for its new 2,500 square foot main office facility. The main office will be located on the credit union's existing site and is scheduled to open in the fourth quarter of 2000. JEFCU has $19.6 million in assets and serves 2,931 members. Georgia Federal Credit Union, Atlanta, has held the grand opening celebration for its newly relocated 6,204 square foot branch here. In addition, GFCU has awarded a total of $3,000 in scholarships to five high school seniors. The recipients were chosen based on academic achievement, community involvement and individual essays on the value of credit union membership. Brooke Elizabeth Digby of Shiloh H.S. has been awarded $1,000. The remaining four recipients, Mary Alaina Edwards of Forsyth Central H.S.; Zuri Rice of DeKalb School of the Arts; Matthew Henry Toups of Chamblee H.S.; and James Towson of Henry County H.S. have each been awarded $500. GFCU has $209.6 million in assets and serves 53,844 members. Philips Federal Credit Union, Fort Wayne, Ind., has announced the opening of two new branches in San Antonio, Texas and Salisbury, Maryland. PFCU has $180 million in assets and serves 36,000 members. US Federal Credit Union, Bloomington, Minn., has broken ground for its new 49,000 square foot corporate headquarters and retail branch in Burnsville. The building is scheduled to be completed by March 2001. US FCU has $328 million in assets and serves 72,308 members. Kitsap Community Federal Credit Union, Bremerton, Wash., has held a ground breaking ceremony for its new East Bremerton branch facility. The 3,500 Square Foot branch is scheduled to open in early 2001. KCFCU has $344 million in assets and serves 62,004 members. American Sterilizer Federal Credit Union, Erie, Pa., has awarded PWCampbell the design/build contract for renovating its main office. The renovated facility will provide members with drive up transaction lanes and privacy for loan interviews and closings. ASFCU has $21 million in assets and serves 7,744 members. Buckeye State Credit Union, Akron, Ohio, has announced the grand opening of its new 3,600 square foot Canton branch building. BSCU has $53 million in assets and serves 19,000 members. Armstrong Association Federal Credit Union, Ford City, Pa., has held a grand opening celebration for its new West Hills office. AAFCU has $38 million in assets and serves 6,651 members....

ARCO Credit Union, Los Angeles has changed its name to Pacific Resource Credit Union. PRCU has $81.9 million in assets and serves 10,128 members. Southern California Central Credit Union, Pasadena, Calif., has changed its name to E-Central Credit Union. E-Central CU has $81.2 million in assets and serves 37,690 members....

Affinity Federal Credit Union, Bedminster, N.J. has awarded nine graduating high school students a total of $10,500 in scholarships. The criteria for the applicants included academic achievement, extra-curricular activities and essay composition. This years recipients were as follows: Claire McCusker, $2500; Daniel Ramage,$2500; Payal Garg, $1500; Jesse Lasky, $1500; Emily Frey, $500; Brian Jones,$500; Jason McCuistion, $500; Bradley Cousins, $500 Julie Carlson,$500. AFCU has more than $800 million in assets and serves 94,000 members Mountain America Credit Union, Salt Lake City, has awarded three $1500 scholarships to Pamela Allan; Amy Nielsen; and David Matson. Applications were selected based on financial need, scholastic abilities, future plans, community service, special skills and an essay on the theme "What I learned from my favorite teacher that will help me in my life." MACU has $747 million in assets and serves over 125,000 members. NorthCountry Federal Credit Union, South Burlington, Vt., has awarded eight $1,250 scholarships to students who have actively demonstrated a dedication to supporting their communities. To qualify, students were required to be members of the credit union and submit an essay illustrating how they have helped secure the future of their community. This year's recipients are Christopher Amadon, Lyndon Institute; Clark Copeland, Twinfield H.S.; Meredith Cowie, South Burlington H.S.; Chelsey Kantor, U-32 H.S.; Heather McCormick, Williamstown H.S.; Jeremy Ouellette, Danville H.S.; Nicholas Scandore, Winooski H.S.; and Gina Sicard, Rice Memorial H.S. NorthCountry FCU has $52 million in assets and serves 11,943 members. New Jersey Postal Credit Union, Hawthorne, has awarded three college-bound members $1,000 each in its first ever scholarship program. Carly Jane Hug of Ramapo H.S., Vijay Paruchuru of John P. Stevens H.S., and Chhay Shah of Lenape Valley Regional H.S. were selected based on academic achievement, extracurricular activities, community involvement and an essay. NJPCU has $75.7 million in assets and serves 9,069 members....