NCOFCU-25

BSA/AML Updates and certification.
Examiners are looking for this training…volunteers need to be familiar with BSA requirements. Attendees will walk through an overview and historical background of BSA and learn the specifics every board must actively keep up with, such as BSA policy, risk assessment, ongoing training, and Suspicious Activity Report filings.

As a credit union director, it is crucial to understand your credit union's financial statement because it provides a comprehensive overview of the organization's financial health. The financial statement contains important information about the credit union's assets, liabilities, income, and expenses, which can help you make informed decisions about the organization's future.

By understanding your credit union's financial statement, you can identify areas of strength and weakness, and make strategic decisions to improve the credit union's financial performance. For example, if you notice that the credit union's expenses are increasing faster than its income, you may need to adjust the budget or look for ways to increase revenue. Similarly, if you see that the credit union's loan portfolio is growing rapidly, you may need to ensure that the credit union has adequate reserves to cover potential losses.

Furthermore, understanding the financial statement can help you fulfill your fiduciary responsibilities as a credit union director. You have a duty to act in the best interests of the credit union and its members, and understanding the financial statement is essential to fulfilling this duty. By monitoring the credit union's financial performance and making informed decisions, you can help ensure the long-term success of the credit union and its ability to serve its members.

In summary, understanding your credit union's financial statement is critical to making informed decisions, identifying areas of strength and weakness, fulfilling your fiduciary responsibilities, and ensuring the long-term success of the credit union.

CEO Hour Meet and Greet
CEOs of credit unions serving first responders come together in this peer-to-peer setting and speak openly. Successes, challenges, strategy, implementation. It’s all about leveraging the knowledge of fellow leaders who’ve been-there-done-that. It’s a great connection point for forward-thinking CEOs to network, gather insights and walk away with some new ideas, fresh approaches, and renewed enthusiasm.  

We are so excited to have you all here and to share with you the amazing things we have planned. We have a great lineup of speakers, workshops, and activities that will help us all learn more about the topics that matter most to us.

We hope that this conference will be a place where we can come together to share ideas, learn from each other, and build relationships. We also hope that it will be a place where we can find inspiration and motivation to take action in our own lives.

So let's get started! Let's make this an amazing event and create something special together.

Fire Dept. Honor Guard

Each exhibitor will have a few minutes to tell you about themselves and invite you to their booth.

In an era where digital engagement defines member loyalty and shapes how potential members perceive you, your credit union’s brand isn’t just a logo—it’s your strongest competitive advantage. A well-executed brand strategy drives checking account growth, organic loan expansion, and membership acquisition, making it a fundamental pillar of long-term success.

This session unpacks the secrets to building a resilient, high-tech brand that not only attracts and retains members but also differentiates your institution in an increasingly crowded financial landscape. We’ll explore the intersection of brand identity, digital storytelling, and strategic positioning, with a focus on education-focused credit unions. More than just ideas, this session is about execution—you’ll walk away with clear strategies, practical implementation plans, and real-world tactics that you can put to work the moment you return to your credit union.

A comprehensive economic update as we approach 2025 and what looks like massive political shifts. This session will explore the latest economic trends, regulatory developments, and market dynamics that could impact the financial landscape this year and beyond. Gain valuable insights to guide your strategic planning, manage risk, and seize opportunities in a rapidly changing environment as Curt addresses:  

• The Economic Outlook
• Interest Rate Forecast
• Credit Union Industry Trends
• Data Driven Advocacy

The payments ecosystem is shifting, and credit unions must be prepared to move with it. With the Zelle stand-alone app sunsetting, fraud on the rise, and ever-evolving member expectations, the pressure to stay competitive is heating up. This session will explore the biggest challenges and opportunities shaping the industry today, along with strategies to keep your CU ahead of the curve. Join us to learn how to navigate these changes and ensure smooth sailing ahead.

Jenn Petry
Director Strategic Partnerships | Neural Payments
859.663.7197 | https://neuralpayments.com

A comprehensive update on the changes in NCUA and credit unions' relationship with the FHLB

As the financial landscape evolves, so too must the role of credit union boards in ensuring organizational success. This session will delve into the best practices, strategies, and emerging trends in credit union board governance for 2025. Attendees will explore key topics such as:

• The Evolution of Governance: Understanding the shifting responsibilities of board members in an increasingly complex regulatory and financial environment.
• Serving Members & the Community: Understanding the credit union membership and their changing financial service needs; continually assessing how the credit union is fulfilling the mission of serving members and the community.
• Risk Management and Oversight: The essential role of the board in overseeing risk management strategies in a world of digital transformation and cybersecurity challenges.
• Board Development and Succession Planning: Strategies for nurturing the next generation of credit union leaders and ensuring board effectiveness through thoughtful succession planning.
• Technology and Innovation: Embracing the role of technology in board operations, from virtual meetings to using data for decision-making.

This session will provide board members, executives, and governance professionals with practical tools, thought leadership, and actionable insights to optimize board effectiveness and drive credit union success in 2025 and beyond.

An exciting panel discussion on issues & opportunities today & tomorrow!

• Interest rates and issues
• fraud, cyber, phishing training and risks.
• Fin Tech competition
• Non-Interest Income
• Staffing issues
• Digital Currency, the Fed talked about setting up a digital exchange.

Petrone will share some ways in which volunteers can help prevent and detect fraud.  For lending, some relevant internal controls Petrone mentioned include: segregating duties within the loan department; reviewing file maintenance reports daily; periodically confirming member loans by telephone; and protecting/monitoring dormant accounts.  For credit union Card Departments, Petrone advised deploying a lockout feature on credit card terminal to block card department employees from processing transactions on their own credit card account and accounts belonging to their family members; review monthly report of employees' and their family members' credit card accounts; and audit card department employees' and their family members' credit card accounts.

Executive Benefits
Supplemental Executive Retirement Plans (SERPs) are considered Non-Qualified executive benefit arrangements. Unlike qualified plans, like 401(k)s or 403(b)s, employers may choose to only include key people. SERPs are highly customizable to meet the individual goals of the key person being rewarded.

Executive benefit plans are used by for-profit and non-profit organizations to protect their human capital. Studies show over half of American executives are expected to retire within the next five years. As a result, directors and executives alike list recruitment and retention as their top concerns when looking to the future.

With over 75 years of combined experience in this specialization, Modern Capital Executive Solutions will guide you toward keeping and growing your talent pool while maintaining the safety and soundness of your balance sheet.

NCOFCU, where we are today and looking into the future. As we come together in San Antonio, let's unite and do what credit union people do best: work together. Now more than ever before, unity is the foundation of success not only in business strategies but also in building lasting relationships that will enable us to forge ahead.

The role of a credit union director carries significant responsibilities that directly impact the effectiveness and sustainability of the organization. It demands not only a keen understanding of regulatory compliance but also an unwavering commitment to the institution's long-term vision and mission. Directors must provide the support their CEO requires while fostering a collaborative and productive relationship that transcends mere governance. This session will explore what drives successful CEO and Director relationships beyond monthly financial reports and regulatory compliance checkboxes.

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