2006 Education Survey Results:

Transcription

1 2006 Education Survey Results: Budget (185 Responses): remain the same for 2006 = 126 (68.11%) increase for 2006 = 56 (30.27%) decrease for 2006 = 2 (1.08%) = 1 (0.54%) Chapters (185 Responses): Oakland = 26 (14.05%) Mid Michigan = 22 (11.89%) Metro West = 15 (8.11%) Moon = 14 (7.57%) Grand River = 14 (7.57%) Lansing = 12 (6.49%) Metro East = 12 (6.49%) Southwestern = 12 (6.49%) Downriver = 11 (5.95%) Flint = 8 (4.32%) Blue Ox = 7 (3.78%) Huron Valley = 7 (3.78%) Upper Peninsula = 6 (3.24%) Battle Creek = 6 (3.24%) Kalamazoo = 4 (2.16%) Blue Water = 3 (1.62%) Jackson = 3 (1.62%) Paul Bunyan = 2 (1.08%) = 1 (0.54%) CEO/Management (419 Responses): Branching Strategies = 29 (6.92%) Future Trends That Will Affect Your Credit Union = 28 (6.68%) Developing a Sales Culture in Your CU = 27 (6.44%) Coaching & Mentoring = 24 (5.73%) Asset Liability Management (ALM) = 20 (4.77%) Alternative Revenue Sources = 19 (4.53%) Developing a Three Year Business Plan = 18 (4.30%) Fraud Prevention = 17 (4.06%) Supervisory & Leadership Skills = 15 (3.58%) Expense Control = 15 (3.58%) Handling Negativity in the Workplace = 15 (3.58%) Managing Employee Performance = 15 (3.58%) Developing Fee Income = 14 (3.34%) Disaster Management Planning/ Disaster Recovery Planning = 13 (3.10%) Emerging Risk Areas for Financial Institutions = 13 (3.10%) Member Relationship Marketing (CRM) = 10 (2.39%) The Future of Competition among CUs = 9 (2.15%) Project Management Skills = 8 (1.91%) Data Mining = 8 (1.91%) Negotiating Skills = 8 (1.91%) Change Management/CEO as Change Agent = 8 (1.91%) HR Basics for Management = 7 (1.67%) Succession Planning = 6 (1.43%) Executive Benefits = 6 (1.43%) Communicating with Examiners = 6 (1.43%)

2 Recruiting/Qualifying Volunteers = 5 (1.19%) Diversity Issues = 5 (1.19%) Management Topics for First Time Supervisors = 5 (1.19%) Outsourcing/Third Party Vendor Relationships & Due Diligence Process = 5 (1.19%) Managing Growth = 5 (1.19%) Tour of Resources Available from MCUL/Cucorp/CUNA = 5 (1.19%) Member Business Lending Security Policies & Procedures = 4 (0.95%) Internal Employee Fraud = 4 (0.95%) = 4 (0.95%) Liquidity Management = 4 (0.95%) Energizing Your Volunteers = 4 (0.95%) CU History & Uniqueness for New Managers = 3 (0.72%) Risk Hedging = 2 (0.48%) Future Trends in Technology = 2 (0.48%) Political Involvement = 2 (0.48%) Additional ideas: (write in) = 1 (0.24%) How to Apply for a Community Charter = 1 (0.24%) Frontline Staff (394 Responses): Dealing With Difficult People = 42 (10.66%) Sales & Service Training - Advanced = 34 (8.63%) Trusts & Member Accounts = 27 (6.85%) Communications Skills = 26 (6.60%) Compliance Overview (Regulation E, D Etc) = 26 (6.60%) Sales & Service Training - Intro = 22 (5.58%) Risk Management & Fraud Detection = 19 (4.82%) Robbery & Security Training = 19 (4.82%) Phone Etiquette = 18 (4.57%) Money & Negotiable Instruments Training = 18 (4.57%) IRA Training = 18 (4.57%) Account Documentation = 16 (4.06%) Call Center Topics = 15 (3.81%) ACH Transactions = 15 (3.81%) Cash Handling Skills = 13 (3.30%) Member Service = 11 (2.79%) Confidentiality = 10 (2.54%) How To Read A Credit Report = 8 (2.03%) Preventing Elderly Fraud & Exploitation = 8 (2.03%) Delivering A Student Loan Program = 7 (1.78%) History & Philosophy = 6 (1.52%) New Employee Orientation = 5 (1.27%) = 4 (1.02%) IRA Updates = 4 (1.02%) U.S. Savings Bond Seminar = 2 (0.51%) Additional ideas: (write in) = 1 (0.25%) HR/Management (385 Responses): Compliance with Employment Laws = 23 (5.97%) Attracting & Retaining Talent = 21 (5.45%) Motivating Your Employees = 19 (4.94%) Compensation & Pay Systems = 18 (4.68%) Incentive Programs = 17 (4.42%) Communication Styles = 16 (4.16%) Writing Effective Documentation = 14 (3.64%) Employee Files = 14 (3.64%)

3 Creating a Succession Plan = 14 (3.64%) Executive Coaching/Mentoring = 14 (3.64%) Handling Negativity in the Workplace = 12 (3.12%) Conflict Management Techniques = 11 (2.86%) Supervisory & Leadership Skills = 11 (2.86%) Teambuilding = 10 (2.60%) Employee Satisfaction Surveys = 10 (2.60%) Benefit Program Specifics/Compensation Program Specifics = 10 (2.60%) Employee Benefits Cost Management = 9 (2.34%) Health Savings Accounts = 9 (2.34%) Agency Refreshers and the Laws they Govern = 8 (2.08%) HR Compliance Basics = 8 (2.08%) Interviews That Reveal the Skills Behind The Resume = 8 (2.08%) Discipline Equity = 7 (1.82%) Delegation Skills = 7 (1.82%) HR Legal Update = 7 (1.82%) Stress Management = 7 (1.82%) Fair Labor Regulations Performance Reviews = 7 (1.82%) Internal Employee Fraud = 6 (1.56%) Dealing With Generational Differences in the Workplace = 6 (1.56%) Understanding Employment Law = 6 (1.56%) COBRA Changes = 6 (1.56%) Diversity in the Workplace = 5 (1.30%) Conflict Management Assessment = 5 (1.30%) Performance Management Systems = 5 (1.30%) Wage & Hour Law = 4 (1.04%) = 4 (1.04%) Training Tools for HR Professionals = 4 (1.04%) Employee Termination Procedures = 4 (1.04%) Implementing Employee Testing = 3 (0.78%) Developing Electronic Activities Policies (Security Threats etc) = 3 (0.78%) Job Analysis/Writing Job Descriptions = 3 (0.78%) Family & Medical Leave Act = 2 (0.52%) Employee Wellness Program = 2 (0.52%) Integrity Interviewing = 2 (0.52%) Sexual Harassment and How to Avoid It = 1 (0.26%) Explaining Retirement Plans = 1 (0.26%) Online Advertising for Job Candidates & Software Packages = 1 (0.26%) FLSA In Depth Data for Job Classification = 1 (0.26%) Marketing (379 Responses): How to Increase Community Relations = 26 (6.86%) Marketing To Year Olds = 25 (6.60%) Forming Partnerships within Your Community = 20 (5.28%) Branding Your Credit Union = 19 (5.01%) Member Retention = 18 (4.75%) Calculating Return on Investment = 18 (4.75%) Increasing Penetration and Usage of Online Payment Systems/Automatic Payments = 16 (4.22%) Marketing Techniques for Community Charters = 16 (4.22%) Developing a Three Year Business Plan = 16 (4.22%) Marketing on A Limited Budget (AKA Guerilla Marketing) = 15 (3.96%) Marketing Mortgages: Getting Your Members to Choose You = 15 (3.96%) Marketing Your Lending Program = 15 (3.96%) Communicating the CU Difference = 12 (3.17%) Marketing Compliance = 12 (3.17%) Member Loyalty Programs = 11 (2.90%)

4 Competition among CUs = 11 (2.90%) SEG Marketing Techniques = 10 (2.64%) Data Mining = 9 (2.37%) Relationship Pricing/Marketing = 9 (2.37%) Web Sites Strategies/Leveraging the Power Of Your Website = 9 (2.37%) Setting Up Youth Programs = 9 (2.37%) Sales & Marketing Integration = 8 (2.11%) Debit Cards VS Credit Cards: Where Should You Focus = 8 (2.11%) Member Relationship Marketing (CRM) = 8 (2.11%) Making the Most of Marketing Research = 7 (1.85%) Recruiting New SEGs = 6 (1.58%) Selling Your Marketing Campaigns to Other Departments = 5 (1.32%) Web site Compliance = 5 (1.32%) = 4 (1.06%) SOHO (Small Office/Home Office) Marketing = 4 (1.06%) Marketing to BabyBoomers: Transitioning from Saving for Retirement to Living in Retirmement = 4 (1.06%) Reaching the Hispanic Market = 4 (1.06%) Understanding Your Marketplace = 3 (0.79%) Member Diversity = 2 (0.53%) Business Development (266 Responses): Lending Incentive Programs = 22 (8.27%) Training Your Employees to Cross-Sell = 21 (7.89%) Gaining A CU Competitive Advantage: Strategies for Growing Market Share = 18 (6.77%) Membership Recruitment = 15 (5.64%) High School Branching = 14 (5.26%) Check Cashing Opportunities = 13 (4.89%) Training Your Staff to Sell From a Credit Report = 12 (4.51%) Enhancing Existing SEGs = 11 (4.14%) Competition among CUs = 11 (4.14%) Prospecting Businesses for Commercial Lending = 9 (3.38%) Courtesy Pay (Over-Draft Privileges/Bounce Protection) = 9 (3.38%) Growth through Member Diversity = 8 (3.01%) Serving the Youth Market = 8 (3.01%) Serving Gen Y = 7 (2.63%) Developing A CU SEG Policy = 7 (2.63%) Performance Based Pricing (Balancing CU Philosophy with Credit Scoring) = 7 (2.63%) Developing a Three Year Business Plan = 7 (2.63%) Identity Theft Detection & Alert Services = 6 (2.26%) Product Development Trends = 6 (2.26%) Credit Card Prospects/Enhancement Programs = 6 (2.26%) Providing Financial Services to Small/Home Office Market = 5 (1.88%) Merchant Processing = 4 (1.50%) Offering Trust Services - Introduction = 4 (1.50%) Debit Cards VS Credit Cards: Where Should You Focus = 4 (1.50%) = 3 (1.13%) Electronic Funds Transfer Services = 3 (1.13%) Recruiting/Qualifying Volunteers from Your SEGs = 3 (1.13%) ACH Transactions = 3 (1.13%) Growth through Low-Income Designation = 3 (1.13%) NEFE CUs in the Classroom Program = 2 (0.75%) Post-Retirement Services = 2 (0.75%) Contactless Payment Devices = 2 (0.75%) Long Term Care Insurance = 2 (0.75%) Shared Branching = 2 (0.75%)

5 Serving the Underserved = 2 (0.75%) Stored Value Cards = 2 (0.75%) Reaching the Hispanic Market = 1 (0.38%) Smart Cards = 1 (0.38%) Wealth Management Services = 1 (0.38%) Lending (374 Responses): Let s Find Ways To Make Loans, Not Turn Them Down! = 25 (6.68%) Analyzing the Self-Employed Borrower = 24 (6.42%) Collectors Training School = 21 (5.61%) Consumer Lending Trends = 20 (5.35%) Incentive Programs, Training and recognition for Lending Departments = 19 (5.08%) Bankruptcy Trends = 19 (5.08%) Improving Loan Profitability = 17 (4.55%) Generating & Keeping Loans = 17 (4.55%) Competing In Auto & Real Estate Markets = 17 (4.55%) Credit Counseling = 15 (4.01%) Managing Risk/Loan Pricing = 13 (3.48%) Indirect Lending = 12 (3.21%) Motivating the Delinquent Member = 12 (3.21%) Youth Lending = 12 (3.21%) Home Equity Lending 101 = 10 (2.67%) Loss Prevention Workshop = 9 (2.41%) Business Lending: Screening/Prescreening Loans = 9 (2.41%) Lifestyle Lending = 8 (2.14%) Lending Essentials (Intermediate/Advanced) = 7 (1.87%) Check Cashing Opportunities = 7 (1.87%) Mortgage Lending = 7 (1.87%) Innovative Mortgage Options & Non-Traditional Markets = 7 (1.87%) Credit Card Prospects/Enhancement Programs = 6 (1.60%) Serving the Small Business Member (How to Start) = 6 (1.60%) Serving Low to Moderate Income Consumers (including new immigrants) = 5 (1.34%) Telephone Collections = 4 (1.07%) The Lending Process and Technology: Opportunities For CUs = 4 (1.07%) Debit Cards VS Credit Cards: Where Should You Focus = 4 (1.07%) Lending Policies = 4 (1.07%) = 4 (1.07%) Sub-Prime & Near Prime Lending Opportunities to Penetrate Future Homebuyer Market = 3 (0.80%) Underwriting Commercial/Small Business Loans = 3 (0.80%) You Can t Cut Your Way to Profitability = 3 (0.80%) Reverse Mortgages = 3 (0.80%) Automated Valuation Models = 3 (0.80%) Business Lending: Writing a Commercial Loan Policy = 3 (0.80%) Prospecting Businesses for Commercial Lending = 2 (0.53%) Secured Loan Programs = 2 (0.53%) Outsourcing Mortgages = 2 (0.53%) Serving the Small Business Member (Determining If You Should) = 2 (0.53%) Integrated Lending = 1 (0.27%) Write In: loan rules & regs = 1 (0.27%) Non-Traditional Alternative Appraisal Products = 1 (0.27%) Lending Basics (Beginners) School = 1 (0.27%) Finance (257 Responses): Maintaining Profitability = 39 (15.18%)

6 Pricing Strategies = 28 (10.89%) Asset Liability Management (ALM) = 27 (10.51%) Controlling Bankruptcy Losses = 24 (9.34%) Financial Statements 101 = 14 (5.45%) Credit Counseling = 11 (4.28%) Activity Based Costing = 11 (4.28%) Liquidity Management = 11 (4.28%) Future of Checking Accounts (Member Alternatives) = 11 (4.28%) Bankruptcy & Collections School = 11 (4.28%) Complete Foreclosure Process = 10 (3.89%) Motivating the Delinquent Member = 10 (3.89%) Trust Accounts = 10 (3.89%) Risk Hedging = 9 (3.50%) IRA Essentials & Advanced = 7 (2.72%) Bankruptcy Trends = 6 (2.33%) Large Contracts and Due Diligence = 6 (2.33%) CRM from A Finance Perspective = 5 (1.95%) U.S. Savings Bond Seminar = 3 (1.17%) = 3 (1.17%) Write In: How to complete the Call Report = 1 (0.39%) Technology (295 Responses): Security Policies & Procedures = 24 (8.14%) E-Commerce Strategies = 24 (8.14%) Preparing For Tomorrow s Technology = 21 (7.12%) Fraud Prevention = 21 (7.12%) Identity Theft & Information Security Program = 20 (6.78%) Web Sites Strategies/Leveraging the Power Of Your Website = 17 (5.76%) Trends in Fraud, Identity Theft and Cyber Crime = 16 (5.42%) Bill Payment = 15 (5.08%) Electronic Security Reviews = 15 (5.08%) Detecting & Responding To Threats = 14 (4.75%) IT Security Certification = 12 (4.07%) Financial Aggregation, What s Happening Today? = 12 (4.07%) Intrusion Detection: Is Your Firewall Working = 12 (4.07%) Integrated Lending = 12 (4.07%) Evaluating Core Systems = 10 (3.39%) Web site Compliance = 10 (3.39%) Safeguarding Internet Transactions = 8 (2.71%) Card Based Payment Technologies = 8 (2.71%) Home Banking Agreements = 6 (2.03%) = 4 (1.36%) Network Threat Assessment & Securing Windows 2000 = 4 (1.36%) Pin-Based Payment Options = 4 (1.36%) Bill Presentment = 3 (1.02%) Examining Electronic Payments = 2 (0.68%) Financial Aggregation, What?s Happening Today? = 1 (0.34%) Regulatory & Compliance (334 Responses): Bank Secrecy Act & Privacy Compliance = 34 (10.18%) Regulatory Update (Emerging Issues) = 23 (6.89%) Compliance School = 22 (6.59%) Accounts (Business Accounts/ Accounts for Trusts, Etc) = 21 (6.29%) Operations School = 20 (5.99%) Laws of Checks & Share Drafts = 19 (5.69%)

7 FACT Act = 17 (5.09%) Third Party Due Diligence = 16 (4.79%) Courtesy Pay / Bounce Protection = 15 (4.49%) Bankruptcy Reform Update = 15 (4.49%) Compliance Fundamentals = 15 (4.49%) Lending Regulations = 13 (3.89%) Advanced Lending Regulations = 12 (3.59%) OFAC = 11 (3.29%) USA Patriot Act Follow Up = 10 (2.99%) Fair Credit Reporting Act & Privacy (FCRA) = 8 (2.40%) Website Compliance = 8 (2.40%) HMDA Regulations = 8 (2.40%) Managing Your Relationship with Your Regulator = 6 (1.80%) Member Business Lending Regulations = 6 (1.80%) Federal Consumer Compliance Regulations = 6 (1.80%) ALLL = 5 (1.50%) = 4 (1.20%) How to Apply for a Community Charter = 4 (1.20%) Federal Actions on Pay Day Lending = 3 (0.90%) Prompt Corrective Action Requirements = 3 (0.90%) RESPA = 3 (0.90%) UBIT = 2 (0.60%) Reg Trac Study Groups = 2 (0.60%) Home Banking Agreements = 1 (0.30%) Write In: Write In Idea Here... = 1 (0.30%) Write In: Continuity Planning = 1 (0.30%) Board Members/Volunteers (328 Responses): Future Trends That Will Affect Your Credit Union = 45 (13.72%) Attracting & Retaining the Next Generation Of CU Volunteers = 34 (10.37%) Characteristics of High Performing Credit Unions = 34 (10.37%) Board of Directors Duties = 25 (7.62%) Compliance for Directors = 23 (7.01%) The Future of Competition Among CUs = 22 (6.71%) CEO/Board Relations = 15 (4.57%) Succession Planning for Ensuring CU s Future = 14 (4.27%) Executive Benefits Programs = 14 (4.27%) Strategies for Growing Market Share = 12 (3.66%) Directors Guide to Technology = 11 (3.35%) Compensation Planning = 11 (3.35%) Diversity Issues for CUs = 10 (3.05%) Supervisory Committee Workshop = 9 (2.74%) Roberts s Rules of Order = 9 (2.74%) Coaching and Mentoring = 7 (2.13%) The Art of Persuasion = 7 (2.13%) Internal Controls = 7 (2.13%) Driving Security Policies & Procedures = 5 (1.52%) Credit Committee Workshop = 5 (1.52%) = 4 (1.22%) Member Relationship Marketing (CRM) = 3 (0.91%) Write In: Write In Idea Here... = 1 (0.30%) Write In: Getting the most out of a Planning Session = 1 (0.30%)