How the right charter can strengthen your member base

first_img 9SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Though there are two primary types of credit union charters – state and federal – how it’s employed and whom you target can greatly impact your business.The Federal Credit Union Act of 1934 opened membership acquisition to communities and specific group affiliations. But according to The Credit Union Times, these types of charters were seldom used in favor of occupational charters. In the last 10 years, however, credit unions with community charters have jumped in popularity from 17.9 percent to 35.8 percent. Usage rates of all other subcharters have dropped within the same time span.Though members shouldn’t see a difference in institutions whether backed by the state or the federal government, the local restrictions on your field of membership can affect marketing, benefits and member relationships.Expansion vs. Closed Charter Not only are there community or residential charters, there are also associational, occupational or a combination of multiple inclusion requirements. To expand or not to expand is a question that should not come without a heavy weighing of the pros and cons. continue reading »last_img read more

USC gives up many all-time records

first_imgPerhaps USC can now empathize with hapless Colorado. When senior quarterback Matt Barkley completed 95 percent of his passes and threw for six touchdowns against the Buffaloes on Oct. 20, many celebrated the Trojans’ bevy of new offensive records, never stopping to think how helpless Colorado’s defense must have felt.Missed opportunity · USC coach Lane Kiffin cited senior defensive end Wes Horton’s (96) first-quarter sack as one of two key chances for a turnover. – Carlo Acenas | Daily TrojanThis time, on the other end of an offensive onslaught, the Trojans witnessed a redefinition of the term “video game-like numbers.” In Saturday’s 62-51 loss against Oregon, USC’s defense faced 12 offensive series from the Ducks’ up-tempo spread offense; Oregon scored touchdowns on nine of them.“We weren’t aligned in our assignments perfectly like we were last year,” redshirt sophomore linebacker Dion Bailey said of the defense’s inability to produce stops. “We blew a lot of our assignments, and they capitalized on every single mistake.”In their three non-scoring series, the Ducks missed a field goal, fumbled the ball on a shotgun snap that Oregon quarterback Marcus Mariota never fielded cleanly and punted in the fourth quarter after the game was out of reach.In essence, the Trojans’ defense — a unit hailed for its improvement earlier in the season — produced only one actual defensive stop in the entire game.“With our offense playing the way they did, we had to get one or two stops and we would be in this game,” Bailey said. “Our defense just didn’t do that tonight, and that’s why we’re on the losing side.”Following the game, USC coach Lane Kiffin didn’t offer much explanation for USC’s inability to stop Oregon from marching down the field at will.Instead, he lamented three offensive series in which the Trojans were unable to put points on the board: the first series of the game in which USC settled for a field goal, Barkley’s interception on a fade route intended for sophomore wide receiver Marqise Lee that ended the Trojans’ second offensive series and Lee’s fumble in the red zone at the end of the first half.“Unfortunately, we shot ourselves in the foot,” Kiffin said. “The game comes down to three offensive possessions.”Barkley agreed with his coach’s assessment.“We knew it was going to be a shoot-out,” Barkley said. “I felt like we had to play perfect on offense.”But given the historic feebleness of USC’s defense on Saturday, many defensive players quickly shouldered the blame for the loss.“Our offense put up 51 points,” senior safety T.J. McDonald said. “That should be enough.”The number of records Oregon set seems to side with McDonald’s assessment, as USC Sports Information will have plenty of work this offseason when re-writing the USC football media guide’s “All-Time Opponents’ Records” section.Beginning with Oregon running back Kenjon Barner, who has vaulted himself into a two-man Heisman Trophy race with Kansas State quarterback Collin Klein, is a good starting point. Barner ran for 321 yards on 38 carries, scoring five touchdowns. All of those numbers broke USC opponent records, except for the 38 carries, which fell one short of former UCLA running back Gaston Green’s mark in 1986. Previously, former Penn State running back Curtis Enis held the record for most rushing yards against USC with 241 in 1996, while six players had scored four touchdowns against USC.“He’s a slick guy,” Bailey said of Barner. “He keeps his feet moving, kind of like De’Anthony. They just keep running, but you got to really wrap his legs up so you can bring him down.”Barner’s outrageous statistics buoyed Oregon’s offense to historic numbers for a USC opponent. The Trojans began playing football in 1888, and Saturday’s game marked both the most points (62) and the most total yards (730) a USC team has ever surrendered. The previous record for most points allowed by a USC team was 56 in its triple-overtime loss to Stanford last season at the Coliseum. Oregon’s 730 total yards shattered Notre Dame’s former record of 623 posted in 1946.“They just know how to move the ball,” McDonald said. “They’ve got fast guys. They know the offense well. You’ve got to tip your hats to them. They’re not ranked where they are for no reason.”Even with the barrage of quick-scoring series, McDonald maintained that USC’s defense never lost its confidence and played aggressively until the end.“Every time we took the field, we knew we had to get a stop and we had the attitude that we would get the stop,” McDonald said. “It just didn’t work out in our favor.”last_img read more

Fiammetta: Return of good vibes bodes well for Badgers

first_imgTwo weeks ago, the thought of the Wisconsin Badgers men’s basketball team playing their way to a Sweet 16 berth was widely perceived as beyond laughable.The Badgers – in case you had the memories erased Men in Black-style or something – ended their regular season in Columbus, Ohio with an absolute bloodbath of a blowout 93-65 loss to Ohio State. Those Buckeyes were historically proficient on offense, nailing an NCAA-record 14-of-15 (93.3 percent) 3-pointers.Five days later in Indianapolis at the Big Ten Tournament, it was Wisconsin’s performance that was historic in the Badgers’ tourney opener – historically bad. The Badgers fell 36-33 to Penn State in the lowest combined score in Big Ten Tournament history, likely leaving most viewers wondering, “When did basketball get so ugly”?UW’s postgame press conference that night was so depressing it would have turned every proverbial kid in a candy store into a dour, hysterical child more in need of a pacifier than a Jujube.But alas, two weeks later, it’s all smiles again in Madison. After all, it is the month of madness.The Badgers gathered in the Kohl Center media room Monday evening for a press conference that was more lighthearted than any in recent memory. Jordan Taylor entered the room hum-singing, there were Mike Bruesewitz hair jokes (now standard) galore and Keaton Nankivil had some fun poked at him for his now puffy, purple-ish black eye that was sustained in Wisconsin’s most recent game against Kansas State.Before any questions were asked, it was clear any negative vibes or any lack of confidence were more than extinguished. The Badgers don’t mind being the underdogs or playing that card – they seem to revel in it. At the very least, they’re certainly accustomed to it.Instead, the restoration of credence and conviction for a team that so desperately relies on a collection of role players to aid its star duo of Taylor and Jon Leuer figures to be crucial.After the loss in Indianapolis, Nankivil told reporters the Badgers needed to “rededicate” themselves for the NCAA tournament. With Wisconsin now two wins away from the Final Four, Nankivil’s proclamation has proved prophetic.“We went into the NCAA tournament looking at it like a new season,” Taylor said Monday. “We looked at it like we were 0-0; everything else was done, it was over with. We had goals that we set that we didn’t quite accomplish, but we just set new ones going into the NCAA tournament. We got the first two out of the way, and there’s going to be more challenges to come. Hopefully, we can meet those challenges.”Wisconsin is a team that needs to be challenged. As a team that relies so much more on its system and “rules,” as head coach Bo Ryan always says, than its individual talent, UW is best with a chip on its shoulder. Maybe that sounds silly or clich? – it typically is true for every basketball team – but it’s the case for the Badgers.Preceding Wisconsin’s first matchup with Ohio State Feb. 12 was a game three days earlier at last-place Iowa. Riding a two-game winning streak (the first being a resounding 66-59 victory over then-No. 10 Purdue Feb. 1), the Badgers escaped Iowa City with a 62-59 overtime victory.UW shot 6-for-33 (.182) from the field in the first half and finished the game 24-for-68 (.353). Needless to say, the Badgers faced the whole gamut of questions leading to their showdown with the Buckeyes, everything ranging from looking past the Hawkeyes to problems on offense and the kinds of rims in Carver-Hawkeye Arena.Then, Wisconsin came out against Ohio State – undefeated at the time – energized, and recorded a 71-67 victory. Yes, the Badgers had their world-renowned home court advantage at play in the Kohl Center, but make no mistake – Wisconsin felt challenged by the perfect, top-ranked squad that was coming to town.Often, losing is all it takes to create that chip on the Badgers’ collective shoulder. Prior to falling to Penn State in Indianapolis, Wisconsin had won 20 consecutive games following a loss. Now, that streak rests at two, with UW’s NCAA tourney wins building it up again after it was reset.The Badgers can take a blow – they’ve proven that. With the seductive challenge of reaching their first Elite Eight since 2005, the good vibes have returned to Madison – and they bode well for UW in the near future.“They always saw that a team’s kind of a reflection of the coach, and I think that especially the last game was a good indicator for us,” said Nankivil, perhaps the most appropriate person to talk about toughness given his beaten, swollen left eye.“Coach Ryan preaches that stuff every day. As much as it’s Xs and Os … it’s the toughness, the intangibles. Physically, what people ended up seeing in that game – that kind of stuff goes on all the time. He always encourages to fight through it and get the job done, but what you can actually see it in terms of blood or whatever it might be, it kind of brings it to the forefront.”Mike is a junior majoring in journalism and communication arts. Agree that the Badgers have recaptured some momentum? Let him know at [email protected] and follow him on Twitter @mikefiammetta.last_img read more