800-809-2307
Four Letters. Infinite Potential.
Steps You Can Take to Remain Viable in Uncertain Times

By John M. Floyd, Chairman and CEO

Since the economic downturn in 2008, financial institutions across the nation have made adjustments to increase revenue and reduce expenses. But no one expected the difficult conditions to last as long as they have. Five years later, economic and regulatory factors continue to restrict revenue opportunities. Financial institutions face new worries today about the cost of regulations, increased capital requirements, low interest rates, and reduced loan quality and demand.

Read more
Nurturing Emotional Ownership Makes for a Stronger Organization

By Keith Hughey, Senior Consultant

While economic conditions may be improving, financial institutions continue to face challenges that can only be overcome with a completely dedicated workforce. As a principal of the financial institution, you have the benefit of “owner” attributes that drive your unwavering commitment to the institution’s success. But how do you get your employees – regardless of their job title or responsibilities – to share the same level of dedication?

Read more
Floyd’s Forum: Revenue Isn’t Expected to Return in the Near Term
Steps you can take to remain viable

By John M. Floyd, Chairman and CEO

Since the economic downturn in 2008, financial institutions across the nation have made adjustments to increase revenue and reduce expenses. But no one expected the difficult conditions to last as long as they have. Five years later, economic and regulatory factors continue to restrict revenue opportunities. Financial institutions face new worries today about the cost of regulations, increased capital requirements, low interest rates, and reduced loan quality and demand.

Read more
RSS
account holder account holder retention account holder strategies account holders announcement Bank of Pacific banks batching best practices board governance board member board of directors bottom line branch profitability branding Bryan Hanks budget business culture business environment business strategies career advice Case Study CEO onboarding CFPB Charles Shanley Cheryl Lawson communications Compliance compliance examinations compliance risks Consumer FInancial Protection Bureau Contract Optimizer Contract Renegotiations contract review contract staffing corporate culture corporate governance CPE credits credit card contracts credit cards credit unions CSS culture customer service Darin Byrd debit card contracts digital directors economy efficiency studies employee employee retention employees EMV migration evaluation executive search expense management expense reduction expense studies expenses Federal Reserve Board fees financial services financial stability Floyd's Forum full disclosure Generating Income generating leads generation governance government hiring HR HR Consulting HR policies human capital human resources income income enhancement interview strategies interview tips IT contracts Jan Southern Jennifer Peoples JMFA Academy JMFA clients JMFA News job search John M. Floyd Keith Hughey Kelly Flynn Kim Kreps leaders leadership lending program loans management Mark Roe marketing Midwest Region Millennial Missouri NCUA negotiating contracts Net Operating Analysis NOA Non-Interest Income Oliver Ireland onboarding Organizational Health outsourcing overdraft coverage overdraft fees overdraft practices Overdraft Privilege overdraft program Overdraft programs overdraft protection programs overdraft strategy overdrafts payday loans Pennsylvania performance improvement personnel planning Press Release process improvement product profitability Profitability Improvement project staffing Recruiting Recruitment Services recruitment strategies re-engineering regional director regulations regulators regulatory revenue revenue enhancement Richard Miller ROI Ron Jennings senate service agreements shareholders social media staff staff development staffing staffing gaps staffing studies staffing study stakeholders Strategic Planning Succession plan succession planning Susan Prell talent technology technology costs technology utilization temporary staff Tim Strandquist training UDAAP vendors Washington Westmoreland Community FCU