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Artwork for Credit Union Exam Solutions Presents With Flying Colors

Credit Union Exam Solutions Presents With Flying Colors

Mark Treichel's Credit Union Exam Solutions
NCUA
Credit Unions
Credit Union
Letters Of Understanding and Agreement
Corporate Governance
FDIC
Risk Management
National Credit Union Administration
Credit Risk
Board Governance
Artificial Intelligence
Credit Culture
CAMEL Code 4
Overdraft Fees
NCUA (national Credit Union Administration)
Camel Codes
Trump Administration
Kyle Hauptman
Risk Management Framework
Commercial Lending

Tips for Credit Unions Success on the NCUA Examination. Brought to you by Mark Treichel's Credit Union Exam Solutions.

PublishesTwice weeklyEpisodes392Founded5 years ago
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Artwork for Credit Union Exam Solutions Presents With Flying Colors

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As CAMEL codes continue to deteriorate across the industry, credit unions are seeing more examiner findings, documents of resolution, and other informal enforcement actions show up in ... more

Mark Treichel, Steve Farrar, and Todd Miller discuss Letters of Understanding and Agreement—when NCUA uses them, what boards need to understand before signing, and how to satisfy one once it's in place.

What You'll Learn

The difference between publ... more

www.marktreichel.com

www.linkedin.com/in/mark-treichel/

NCUA’s deregulation project is moving again. John Crews has his first package, three proposed rules out for comment, and in this solo episode Mark Treichel walks through one of them: t... more

Show Notes:

As CAMEL codes continue to deteriorate across the industry, credit unions are seeing more examiner findings, documents of resolution, and other informal enforcement actions show up in their exam reports. In this episode, Mark Treichel is... more

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Recent Guests

Steve Farrar
Former NCUA official who spent more than 30 years in examination, risk management, and enforcement
National Credit Union Administration
Episode: The Escalation Ladder: What Every Credit Union Leader Needs to Know About Informal Enforcement Actions
Todd Miller
Former NCUA examiner and Director of Special Actions in the Western Region
National Credit Union Administration
Episode: The Escalation Ladder: What Every Credit Union Leader Needs to Know About Informal Enforcement Actions
Steve Farr
Former NCUA official with 30 years of experience in examination, risk management, enforcement and conservatorship
Credit Union Exam Solutions
Episode: WFC Classic: Facing the Challenges of a CAMEL Code 4
Vin Vieten
Financial professional with regulator experience and credit union lending expertise
Formerly with NCUA, guest on the show
Episode: Commercial Loan Underwriting That Satisfies NCUA
Brian Lauer
General Counsel of NACUSO; partner at Messick, Lauer & Smith
NACUSO, Messick, Lauer & Smith
Episode: From Defense to Offense: The CUSO Advocacy Push on Capitol Hill with Brian Lauer of NACUSO
Ryan Donovan
CEO of the Council of Federal Home Loan Banks
Council of Federal Home Loan Banks
Episode: The First Federal Home Loan Bank Oversight Hearing in 15 Years with Ryan Donovan CEO of the Council of Federal Home Loan Banks
Vin Vitton
Retired Senior Credit Specialist with experience across three sides of lending (lender, borrower, regulator)
Former NCUA employee, consultant
Episode: WFC Classic: The Art of Commercial Lending and the Role of Credit Culture
Lenwood Brooks
Executive at Performance Trust, former regulator
Performance Trust
Episode: Lenwood Brooks of Performance Trust on NCUA's Board of One & More
Jason Stverak
Chief Advocacy Officer, Defense Credit Union Council
Defense Credit Union Council
Episode: State Interchange Laws and the Threat to the Dual Charter System with Jason Stverak of DCUC

Host

Mark Treichel
Host of the show, discussions with experts on credit union exams and regulatory topics; principal at Credit Union Exam Solutions; associated with With Flying Colors initiatives.

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Talking Points

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WFC Classic: Letters of Understanding and Agreement (LUAs) & What You Need to Know
Q: Did you do what you said you were going to do? And did it achieve the results intended?
Those are the key tests for satisfying an LUA. The NCUA determines whether the agreed actions were completed and whether they produced the intended results; most LUAs do not have termination dates.
WFC Classic: Letters of Understanding and Agreement (LUAs) & What You Need to Know
Q: Any wisdom you can share on agreeing to the LUA?
The credit union should negotiate the actions and timelines with the NCUA, allow the board time to understand the terms, and ensure the commitments are achievable. Because published LUAs involve serious issues and can carry severe consequences, seeking outside legal or advisory help may be appropriate.
The Escalation Ladder: What Every Credit Union Leader Needs to Know About Informal Enforcement Actions
Q: What should a credit union board do when asked to approve a document of resolution at the joint conference?
Board members should make sure they understand the examiner's concerns, ask questions, and request time to review the report if needed. If the credit union disagrees, it can respond with its proposed actions and use the available appeal process.
The Escalation Ladder: What Every Credit Union Leader Needs to Know About Informal Enforcement Actions
Q: What happens to examiner findings that remain unresolved at the next examination?
They may remain findings or be elevated to a document of resolution, depending on whether the unresolved issues create operational or financial risk, violate regulations, or indicate widespread control problems.
WFC Classic: Facing the Challenges of a CAMEL Code 4
Q: Can you share? Now, this isn't directly linked to a four, but I would say there's a strong correlation that code fours might end up at the doorstep of their corporate, and then the corporate may make a phone call to NCUA. Could you expand upon what I just tiptoed into there, Steve?
Farr explains that the Central Liquidity Facility can provide a source of liquidity but is not a lender of last resort, since a credit union must still be creditworthy. He also describes guaranteed lines of credit arranged with corporate credit unions and the possible effect of large troubled credit unions on the share insurance fund.

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Frequently Asked Questions About This Podcast

What is This Podcast about and what kind of topics does it cover?

The show centers on practical guidance for credit unions navigating the NCUA examination process, regulatory risk, governance, liquidity, and strategic growth. Episodes pair seasoned practitioners—ranging from ex-regulators and examiners to lawyers advising credit unions and CUSOs—with host commentary to translate complex rules into actionable tips. Common threads include crafting clear credit proposals, interpreting examiner findings, governance and supervisory committee roles, and market dynamics around mergers, acquisitions, and service organizations. A standout trait is the blend of regulatory context with real-world lending, risk management, and strategic planning narratives, making it especially valuable for credit union leaders, comp... more

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Recent guests on this podcast include:

1. Steve Farrar
2. Todd Miller
3. Steve Farr
4. Vin Vieten
5. Brian Lauer
6. Ryan Donovan
7. Vin Vitton
8. Lenwood Brooks

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