www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA recently posted new guidance on how to start an exam efficiently — and for many credit unions, it couldn’t come at a better time. In this episode of With Flying Colors , Mark Treichel is joined by Todd Miller, Steve Farrar, and Dennis Bauer to break down what’s in the guidance, why it was issued, and how credit unions can put it into practice. With over 120 years of combined NCUA and credit union leadership experience, they sha...
Aug 19, 2025•52 min•Ep. 292
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ INTEREST RATE ENVIRONMENT Fed policy uncertainty and tariff impacts Yield curve normalization: -35 to +50 basis points CD composition shift: 13% to 28% of deposits Credit unions adapting to "new normal" Investment portfolios still 6-7% underwater Examiner demands for enhanced stress testing Cost vs. value of regulatory requests...
Aug 12, 2025•11 min•Ep. 288
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ ETAIL CREDIT PERFORMANCE Student loan payment resumption impact Mixed economic signals across states 24 vs 26 states: unemployment trends Generational differences in borrowing behavior Venmo revolution: 85% of users under 40, $342B in Q1 transfers
Aug 07, 2025•8 min•Ep. 287
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA's regulation define what can be appealed. But you can appeal ANYTHING to the region. We discuss how whey and when you might want to do it.
Aug 05, 2025•29 min•Ep. 275
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ FRAUD SCHEMES [00:41:00] Timeshare resale fraud targeting elderly [00:44:00] ATM "jackpotting" - new threat explained [00:45:00] Skimming device sophistication [00:46:00] Universal key vulnerabilities
Jul 31, 2025•7 min•Ep. 286
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Home Mortgage Disclosure Act (HMDA) Basics
Jul 29, 2025•29 min•Ep. 273
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA in Limbo: What the Board Shakeup Means for Credit Unions Episode Date: July 28, 2025 Host: Mark Treichel Episode Summary The NCUA board is in complete chaos following President Trump's firing of board members Todd Harper and Tanya Otsuka, their court-ordered reinstatement, and subsequent legal stay. Mark breaks down the dramatic week of legal battles, analyzes what happened during last Thursday's awkward board meeting, and pred...
Jul 29, 2025•16 min•Ep. 291
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Global Cash Flow. What is it and why does NCUA care?
Jul 22, 2025•38 min•Ep. 272
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ ALCO committees are of paramount importance. We take a deep dive into the nuances of this important committee and discuss Essential Reports Analysis and Risk Management
Jul 17, 2025•36 min•Ep. 271
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Credit Union Roundtable: Mid-Year Risk Reports - Our Take on What it Means for CUs Episode Description In this inaugural Credit Union Roundtable episode, host Mark Treichel is joined by three industry veterans to break down the OCC's Spring 2025 risk report and what it means for credit unions. Steve Farrar, Todd Miller, and Dennis Bauer bring decades of combined NCUA and credit union experience to analyze the top risk concerns facin...
Jul 15, 2025•57 min•Ep. 285
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Is your ALCO Committee structured optimally? We can help you figure that out with this episode.
Jul 10, 2025•13 min•Ep. 270
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Episode Summary: In this episode of With Flying Colors , host Mark Treichel sits down with Thomas Griswold, Managing Director at ALM First, to explore the financial forces shaping credit unions in 2025 and beyond. From balance sheet risk to liquidity pressures and loan participation strategies, Thomas shares insights into how ALM First helps credit unions navigate a dynamic economic environment with capital discipline at the center....
Jul 08, 2025•31 min•Ep. 284
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Steve Farrar served as the VP of the CLF while at NCUA. Nobody understands the CLF better than Steve. In this archive episode, we deeply dive into this often misunderstood government entity.
Jul 03, 2025•31 min•Ep. 266
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ There is what is required to be in a board package, what you want in your board package, what your board wants, and of course what NCUA wants. We discuss how to satisfy NCUA.
Jun 26, 2025•34 min•Ep. 269
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Did the Trump Firings Cause a Regulatory Crisis at the NCUA? Warren & Waters Demand Answers Episode Overview Mark Treichel breaks down the congressional response to President Trump's firing of NCUA Board members Todd Harper and Tanya Otsuka, examining letters from Senators Elizabeth Warren and Maxine Waters that question the agency's legal authority to operate with only one board member. Key Topics Covered The Firings and Immedi...
Jun 24, 2025•29 min•Ep. 283
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ The National Credit Union Administration today placed Aldersgate Federal Credit Union in Marion, Illinois, into conservatorship. Member services will continue while the NCUA works to resolve issues affecting the credit union’s operations. Member deposits at Aldersgate Federal Credit Union remain protected by the National Credit Union Share Insurance Fund. Administered by the NCUA, the Share Insurance Fund protects individual account...
Jun 18, 2025•14 min•Ep. 282
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA often asks what a credit union's Risk Appetite is, but doesn't provide much if any, guidance on the topic. We do.
Jun 17, 2025•44 min•Ep. 268
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA staff rely heavily on the examiner guide and the National Supervision Policy Manual. We discuss these documents and what they really mean for credit unions.
Jun 12, 2025•34 min•Ep. 267
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this short and slightly offbeat solo episode, Mark shares a personal tale of dog sitting gone sideways—with two lovable pit bulls, a well-intentioned checklist, and a humbling C-minus execution grade. But the real story is what the NCUA didn't do last week. The agency quietly canceled its June board meeting and offered only a placeholder for July, continuing a trend that started under Chairman Todd Harper. Mark weighs in on what ...
Jun 10, 2025•9 min•Ep. 280
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA requires some level of management review every exam before you see it. We explain why and how that impacts you.
Jun 05, 2025•29 min•Ep. 264
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Episode Summary: In this episode, I dive into what NCUA might look like after its May 22nd downsizing — a 25% reduction in staff driven by Trump-era mandates for smaller government. Using clues from the agency’s own language, historical precedent, and my firsthand experience with past reorganizations, I lay out my predictions for NCUA’s evolving structure. This is part three of a special podcast series unpacking the agency’s potenti...
Jun 03, 2025•29 min•Ep. 279
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ 📝 Episode Summary: In this post-Memorial Day episode, Mark dives into NCUA’s latest insurance fund update with a sharp focus on CAMEL codes—and why they matter more than ever in today's regulatory landscape. With NCUA facing staffing cuts, hiring freezes, and leadership questions, your credit union's CAMEL rating may determine how much attention (or relief) you're about to get. Mark walks through key takeaways from the data, trends...
May 29, 2025•18 min•Ep. 278
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ The NCUSIF and the DIF are similar but different. Today we do a deep dive on that and more.
May 27, 2025•44 min•Ep. 265
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Trump’s Workforce Cuts Hit NCUA: What’s Changing, What’s Next Show Notes In this episode of With Flying Colors , Mark Treichel breaks down the biggest NCUA update in years — a Trump-era Executive Order has triggered a 20% voluntary staff reduction at the agency. This May 22 board briefing outlines how the NCUA will operate with fewer people, a tighter budget, and a restructured exam program — all while staying focused on its core mi...
May 22, 2025•17 min•Ep. 277
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Document of Resolutions can be complex or simple. Regardless, they usually have many steps that NCUA doesn't realize, but you need to track. We discuss the ins and outs of DOR project management in this archive episode.
May 22, 2025•24 min•Ep. 263
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this episode of With Flying Colors , host Mark Treichel reconnects with Ryan Donovan, President and CEO of the Council of Federal Home Loan Banks (FHLB). Ryan returns to discuss the evolving role of the FHLB system, its relationship with credit unions, and how liquidity is much like oxygen—often unnoticed until it's urgently needed. Ryan and Mark explore: The history and mission of the Federal Home Loan Bank system. How FHLB prov...
May 20, 2025•20 min•Ep. 276
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA is hitting corporate governance hard. In this episode we discuss why and what to do if it happens to you.
May 15, 2025•46 min•Ep. 262
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ This post on LinkedIn led to this podcast: Growing this program from an idea, to an incredible technological platform is far and away the most rewarding venture of my career. The platform has allowed our company to think and dream of bigger ideas. It’s functionally changed the lives of so many of us. To say I’m proud of this achievement is an understatement. A huge kudos to Alloya Corporate FCU for taking a risk on a young kid with ...
May 13, 2025•17 min•Ep. 260
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ The dreaded organizational review Document of Resolution or worse yet LUA. What it means and what you should do.
May 08, 2025•26 min•Ep. 261
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA has reopened the Succession Planning Rule for public comment. In this episode JT Blau and I discuss the rule and its requirements.
May 06, 2025•27 min•Ep. 259
