Credit Union Conversations

Mark Ritter

Welcome to Credit Union Conversations podcast with your host, Mark Ritter, a forward-thinking CEO, who excels in helping credit unions, small businesses, and real estate investors succeed. Join Mark as he explores current trends, interview industry experts, and get fresh insights on optimizing your lending operations and delivering the best possible services to credit union members. More about your host: Mark Ritter is the CEO of MBFS & Nu Direction Lending and an expert in credit unions and business lending. His primary role at MBFS is overseeing the strategy of helping credit unions assist members with business needs and consulting with credit unions on planning the delivery of services to their membership. In 2002, Mark started a large central Pennsylvania credit union’s business lending program as “one person and a desk” with no policies, products, staff, systems, or business members. That program grew to be one of the top ten in the nation. In 2012, he took on the challenge of being the CEO of a business lending CUSO. Mark was the fifth CEO in five years for the organization, which lost money every month of its existence. Since joining MBFS, Mark increased the number of credit unions the CUSO and revenue by over 10x and ensured positive cash flow every full year he’s been at the CUSO. More importantly, MBFS has helped countless credit union members gain the financing they need for business and investment needs. Mark is a native of Berwick, PA in northeast Pennsylvania, where he was a member of his high school’s nationally ranked and state championship football team. After high school, Mark hung up his cleats to work for the Penn State Nittany Lions full-time as a student assistant while attending Penn State as an undergrad. During this time Penn State transitioned to the Big Ten and culminated in Penn State’s first Big Ten Championship and a trip to the Rose Bowl. Mark remains an avid Penn State supporter. Today Mark lives in Bucks County, PA outside of Doylestown with his wife and two teenagers.

  1. Business Lending Sales 2026 With Tom Halliday

    2D AGO

    Business Lending Sales 2026 With Tom Halliday

    What does it actually take to close the right deal for both the borrower and the credit union? Tom Halliday, head of business lending sales at MBFS, joins host Mark Ritter to answer that question with candor and expertise. From mastering the first-borrower conversation to navigating today's fierce loan-participation marketplace, Tom reveals why the best lenders act as trusted advisors, not order-takers. If your credit union is serious about growing its commercial loan portfolio while managing risk intelligently, this episode delivers the real-world insight you need. What You Will Learn in This Episode: ✅ How to approach the initial business lending conversation by focusing on borrower goals, experience, and story rather than jumping straight to documents and data. ✅ Why today's market conditions demand that credit union relationship managers understand both geography and portfolio concentration before recommending any commercial real estate deal. ✅ What factors beyond rate, including prepayment penalties, deposit requirements, and debt service coverage ratio covenants, shape a winning loan negotiation strategy? ✅ How the loan participation marketplace has shifted dramatically, making speed and responsiveness essential for credit unions looking to grow their loan portfolio. Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union’s growth today. TIMESTAMPS: 00:00 Tom Halliday's background in small business lending and his journey to leading business lending sales at MBFS 02:04 How MBFS has grown its loan origination team and what that expansion means for credit union partners 03:03 The art of the first borrower conversation and why understanding goals matters more than gathering documents 05:19 A breakdown of current market conditions, interest rates, and challenging sectors in commercial real estate 10:00 Discussion of commercial loans and negotiations 11:44 Inside the loan participation marketplace and why credit unions must move fast to secure deals today 13:36 Tom's move to Tennessee and a fun trivia segment wrapping up the episode KEY TAKEAWAYS: 💎 The best business lending professionals act as trusted advisors, not order takers. Understanding a borrower's goals, history, and business story leads to stronger loans and better outcomes for the credit union. 💎 Market conditions vary significantly by region and property type. Commercial real estate sectors like office space carry elevated risk today, while medical offices continue to perform well, making local market knowledge essential. 💎 The loan participation marketplace is highly competitive right now. Credit unions that respond quickly and build strong origination pipelines are best positioned to grow their loan portfolio and manage concentration limits. ABOUT THE GUEST: Tom Halliday - LinkedIn RESOURCES MENTIONED: Mark Ritter - Website Mark Ritter - LinkedIn SEO KEYWORDS: Credit Union Conversations, Mark Ritter, MBFS, Credit Unions, CUSO, Business Lending, Credit Union, Commercial Loans, Loan Origination, Business Members, Participation Loans, Interest Rates, Loan Portfolio, Small Business Lender, Commercial Real Estate, Collateral, Debt Service

    21 min
  2. All Box'd In With Nenuca Syquia

    APR 7

    All Box'd In With Nenuca Syquia

    What happens when a global HR expert falls in love with the credit union movement? Nenuca Syquia, CEO of Boxd, joins Mark Ritter to challenge how credit unions think about leadership development, change management, and staying relevant in a shifting market. With the average credit union member now 53 years old, the urgency to attract younger generations is real. Nenuca brings bold ideas on board diversity, mission-driven culture, and why the best-kept secret in financial services needs to start telling a much better story. What You Will Learn in This Episode: ✅ Why credit union leadership must evolve beyond institutional comfort zones, and how bringing in diverse board perspectives can sharpen both mission focus and competitive awareness against the broader financial services market. ✅ How the concept of "human bridges" inside your organization can prevent costly digital transformation failures by connecting tech language with real-world member workflows and day-to-day operations. ✅ How embedding long-tenured employee knowledge into clear operational principles supports member experience consistency, especially as credit unions grow through merger integration and generational workforce transitions. Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union’s growth today. TIMESTAMPS: 00:00 Observations on credit union leadership trends and Mark introduces Nenuca Syquia of Boxed 03:11 Nenuca shares her personal journey as a credit union member and her mission to expand awareness of credit unions 11:19 Member demographics, aging membership, and why attracting younger generations is critical for credit union growth 15:20 Human bridges and how they connect tech teams to real-world member experience and digital transformation efforts 20:21 Board diversity, insularity within the industry, and the need for diverse expertise at the leadership level 27:41 Mission-driven culture and change management principles help credit unions stay locally relevant KEY TAKEAWAYS: 💎 Credit union leadership cannot afford insularity. Boards need members who combine deep mission loyalty with operational literacy, tech fluency, and awareness of the full competitive landscape beyond rival credit unions. 💎 Long-tenured staff carry irreplaceable institutional knowledge, but that knowledge must be deliberately extracted and embedded into organizational systems before retirements and growth make it permanently inaccessible. 💎 Successful digital transformation in credit unions depends far less on selecting the right technology and far more on changing human behavior, building trust across departments, and creating clear pathways that support employee engagement at every level. ABOUT THE GUEST: Boxd - Website Nenuca Syquia - LinkedIn RESOURCES MENTIONED: Mark Ritter - Website Mark Ritter - LinkedIn Life of a New Credit Union CEO - Kelly Botti Checking In With Ancin Cooley of Synergy Credit Union Consulting and CU Communities SEO KEYWORDS: Credit Union Conversations, Mark Ritter, MBFS, Credit Unions, CUSO, Credit Union Leadership, Credit Union Strategy, Organizational Performance, Member Experience, Digital Transformation, Board Diversity, Human Resources, Institutional Knowledge, Merger Integration, Change Management, Mission Driven Culture, Better Organizations By Design

    35 min
  3. Mark's Thoughts on the Credit Union Universe

    MAR 24

    Mark's Thoughts on the Credit Union Universe

    In 2025, credit union business lending quietly staged one of its strongest comebacks in years, and Mark Ritter has the numbers to prove it. From a 25% surge in business loan volumes to a 43% jump in participation loans, the recovery exceeded nearly every expectation. But Mark does not stop at the good news. He tackles the slow erosion of community lending, the growing threat of credit union mergers, rising delinquency rates, and an NCUA board in limbo that could create regulatory turbulence for years to come. This is the episode you forward to everyone in your network. What You Will Learn in This Episode: ✅ How credit union business lending rebounded in 2025, with industry-wide business loan volumes climbing over 25% and participation loans rising 43% after years of tightening liquidity. ✅ Why credit union consolidation and ongoing credit union mergers are quietly weakening community lending and reducing the cooperative presence in local markets across the country. ✅ How rising delinquency rates and increased charge-offs are signaling early stress in portfolios, particularly among larger institutions that leaned into big real estate loans without personal guarantees. ✅ Why the NCUA board leadership gap is creating real strain on credit union examiners and slowing down the regulatory clarity that smaller credit unions desperately need. Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union’s growth today. TIMESTAMPS: 00:00 Credit union business lending volumes for 2025 are revealed, including a 25% industry-wide surge 04:05 Participation loans jumped 43%, and MBFS crossed 1,000 loan underwriting milestones in a single year 06:14 Mark has some random thoughts about the industry 09:54 New people in the industry, credit union mergers, and consolidation are shrinking community lending and weakening local cooperative roots 13:48 Rising delinquency rates and charge-offs signal growing portfolio stress tied to loosened business lending standards 15:19 The NCUA board leadership vacuum is straining credit union examiners and stalling critical regulatory relief KEY TAKEAWAYS: 💎 Credit union business lending surged over 25% in 2025, with participation loans up 43%, proving the industry can recover strongly after a prolonged liquidity crunch when conditions align. 💎 Credit union mergers continue to erode community lending at a local level, with member engagement in cooperative principles so low that consolidation often passes with only a fraction of members voting. 💎 The current NCUA board vacancy is not a bureaucratic footnote. It is creating mounting pressure on credit union examiners and delaying the regulatory relief smaller institutions need to operate effectively. RESOURCES MENTIONED: Mark Ritter - Website Mark Ritter - LinkedIn SEO KEYWORDS: Credit Union Conversations, Mark Ritter, MBFS, Credit Unions, CUSO, Small Credit Unions, Business Lending, Credit Union Industry, Loan Origination, Participation Loans, Liquidity Crunch, Delinquency Rates, Credit Union Mergers, Cooperative Principles, NCUA Board, Regulatory Relief, Business Loan Volumes, Community Lending, Credit Union Consolidation

    19 min
  4. Navigating Executive Succession with Amey Sgrignoli of Belco Community CU

    MAR 17

    Navigating Executive Succession with Amey Sgrignoli of Belco Community CU

    What does it take to lead a community credit union for over a decade while honoring a 42-year legacy? In this episode of Credit Union Conversations, Mark Ritter talks with Amey Sgrignoli, CEO of Belco Community Credit Union, about navigating executive succession, evolving board governance, and building a standout brand in a competitive market. Amey shares how her roots in business lending shaped her leadership style and why strong member relationships, smart fintech partnerships, and a commitment to financial education remain at the heart of Belco's growth strategy. What You Will Learn in This Episode: ✅ How to navigate credit union leadership transitions from a long-tenured CEO while preserving institutional culture and accelerating forward momentum. ✅ Why intentional board governance and proactive volunteer recruitment are critical to a community credit union's long-term health and strategic direction. ✅ How to evaluate fintech partnerships with eyes wide open, protecting your brand reputation while still embracing digital banking innovation and technology. ✅ How staying rooted in member relationships and financial education helps a growing credit union compete against larger regional banks and institutions. Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union’s growth today. TIMESTAMPS: 00:00 Introduction: Meet Amey Sgrignoli of Belco Community CU 05:47 Lessons learned from an executive succession transition following a 42-year CEO legacy at Belco Community CU 08:55 Evolving board governance, volunteer recruitment pipelines, and building a high-performing credit union board 13:53 Being the face of the credit union community-wide 18:53 Competing with larger institutions by leading with member relationships, branch technology, and financial education 24:12 Evaluating fintech partnerships and using the CUSO model to access expertise beyond your asset size KEY TAKEAWAYS: 💎 Credit union leadership transitions work best when they are deliberate and methodical. Amey co-led Belco Community CU for nearly a year before her predecessor retired, creating stability while opening space for a new vision to emerge. 💎 Strong board governance does not happen by accident. Belco Community CU built a volunteer pipeline over the years, recruiting members with the right qualifications and passion to ensure the board kept pace with industry change. 💎 When vetting fintech partnerships, due diligence is everything. Chasing trends without careful evaluation can expose your credit union to brand reputation, security, and operational risks that outweigh any short-term gain. ABOUT THE GUEST: Belco Community Credit Union Amey Sgrignoli - LinkedIn RESOURCES MENTIONED: Mark Ritter - Website Mark Ritter - LinkedIn SEO KEYWORDS: Credit Union Conversations, Mark Ritter, MBFS, Credit Unions, CUSO, Small Credit Unions, Community Credit Union, Executive Succession, Board Governance, Business Lending, Member Relationships, Fintech Partnerships, Financial Education, Digital Banking, Institutional Culture, CUSO Model

    28 min
  5. Defending All CUs With Doug Wadsworth

    MAR 3

    Defending All CUs With Doug Wadsworth

    Community finance is under pressure. On this episode of Credit Union Conversation, Mark Ritter sits down with Doug Wadsworth to unpack the realities facing small credit unions, including expanding regulatory burdens, rising compliance costs, and growing competition among credit unions. They discuss why credit union advocacy matters, how the cooperative model must evolve, and what practical leadership looks like when serving members in an increasingly complex financial environment. What You Will Learn in This Episode: ✅ How small credit unions manage increasing regulatory burden and mounting compliance costs during NCUA examinations ✅ Why credit union advocacy is essential to protecting the cooperative model and strengthening member impact ✅ How credit union competition from large financial institutions and FinTech competition is reshaping credit union strategy Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union’s growth today. TIMESTAMPS: 00:00 Doug shares his journey into the credit union space and his introduction to small credit unions 06:25 The challenges of obtaining services, the weight of NCUA examinations, and the rising regulatory burden on small credit unions 17:18 Survey results reveal growing credit union competition from larger credit unions over smaller ones 21:04 Breaking down compliance costs, HMDA reporting, and NMLS registration 27:58 Advocacy efforts aimed at achieving regulatory relief for small credit unions 31:15 A vision for strengthening the cooperative model and sustaining community finance KEY TAKEAWAYS: 💎 Small credit unions face a disproportionate regulatory burden that limits growth and operational flexibility 💎 Strong credit union advocacy can reduce unnecessary compliance costs and drive reform 💎 Preserving the cooperative model is essential as financial institutions increase competitive pressure ABOUT THE GUEST: Doug Wadsworth - LinkedIn Keep It Simple - Book by Doug Wadsworth RESOURCES MENTIONED: Mark Ritter - Website Mark Ritter - LinkedIn SEO KEYWORDS: Credit Union Conversations, Mark Ritter, MBFS, Credit Unions, CUSO, Small Credit Unions, Regulatory Burden, Compliance Costs, Credit Union Competition, Credit Union Advocacy, Cooperative Model, Vendor Negotiation, Community Banking, Local Lending, Fintech Competition, Credit Union Strategy, HMDA Reporting, NMLS Registration

    34 min
  6. MBFS Quick Hits: Carrie Hutton's Trivia & Credit Union Lending Success

    FEB 17

    MBFS Quick Hits: Carrie Hutton's Trivia & Credit Union Lending Success

    Join host Mark Ritter for a refreshing twist on Credit Union Conversations as Carrie Hutton, MBFS's loan origination leader, trades business talk for outdoor adventures and friendly competition. From conquering fears on cliff-side hikes to camping in Montana's stunning Glacier National Park, Carrie reveals her family's passion for exploration before facing the ultimate challenge: an MBFS trivia showdown. Discover the impressive numbers behind MBFS's 2025 success, including $279 million in closed loans and nearly $3 billion in portfolio management, all delivered with humor, personality, and genuine insights into credit union excellence. What You Will Learn In This Episode: ✅ How MBFS achieved remarkable credit union lending growth in 2025, closing $279 million in loans and underwriting 939 new loan origination deals while maintaining a portfolio approaching $3 billion. ✅ The personal side of financial services leadership as Carrie Hutton shares her family's outdoor activities, including RV camping adventures, dispersed camping with solar panels, and exploring Glacier National Park in Montana. ✅ Inside look at MBFS's operational excellence, including completing 621 annual reviews and serving credit unions nationwide through dedicated relationship managers and origination teams. Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union’s growth today. TIMESTAMPS: 00:00 Carrie discusses outdoor activities, featuring hiking and kayaking adventures, and conquering the fear of heights 01:33 RV camping stories, including trips to Montana, South Dakota, and dispersed camping with solar panels 04:27 MBFS trivia challenge begins, covering 2025 achievements in loan origination and portfolio management 07:16 Pittsburgh trivia round featuring Steelers Coach Mike Tomlin, Dan Marino, and Pirates pitcher Paul Skenes KEY TAKEAWAYS: 💎 MBFS demonstrated exceptional growth in credit union lending during 2025, closing $279 million in loans, underwriting 939 new deals, and managing a portfolio of $2.99 billion, showcasing the strength of their relationship managers and origination team. 💎 Successful financial services leadership balances professional excellence with personal passions, as evidenced by Carrie Hutton's dedication to both loan origination and family adventures through hiking, kayaking, and RV camping across America. 💎 The credit union industry continues to thrive through strong partnerships, completing 621 annual reviews and providing essential lending services to credit unions nationwide while maintaining personal connections and team culture. RESOURCES MENTIONED: Mark Ritter - Website Mark Ritter - LinkedIn SEO KEYWORDS: Credit Union Conversations, Mark Ritter, MBFS, Credit Unions, CUSO, Loan Origination, Hikes, Camping, Glacier National Park, MBFS Trivia, Loans, Portfolio, Financial Services Leadership, Credit Union Industry, Steelers Coach, Paul Skenes, Portfolio Management

    10 min
  7. Checking In With Bob Flanyak Jr. of CHROME Federal Credit Union

    FEB 10

    Checking In With Bob Flanyak Jr. of CHROME Federal Credit Union

    Chrome Federal Credit Union CEO Bob Flanyak Jr. delivers a masterclass in authentic leadership and organizational culture. From collecting loans to building a 220 million dollar credit union recognized as Washington County's best overall business, Bob's journey reveals what truly matters in financial services. He shares powerful insights on succession planning, why employee relationships trump strategy, and how cooperative values create sustainable competitive advantages. Bob's candid discussion about credit union mergers, community impact, and talent development offers both inspiration and practical wisdom. His father's 29 years as a volunteer board member planted seeds that grew into a career philosophy centered on serving people over profits. What You Will Learn in This Episode: ✅ How to build and maintain a strong credit union culture through employee engagement, morning huddles, and living your organizational values rather than simply displaying them on walls. ✅ The essential elements of effective succession planning in credit union leadership including balancing internal candidates with external searches while protecting organizational culture and values. ✅ Practical strategies for credit union collaboration and financial literacy programs that allow small and medium-sized institutions to compete effectively without merging, including Financial Reality Fairs and student brand development. ✅ Why brand building and community impact matter more than traditional metrics, and how cooperative values and relationship-focused leadership create sustainable member loyalty and employee engagement. Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union’s growth today. TIMESTAMPS: 00:00 Intro: Meet Bob Flanyak of Chrome Federal Credit Union 06:31 Career journey from CUNA Mutual to retail credit union leadership across multiple states 09:45 Chrome Federal Credit Union’s history and advice to advance your career in the credit union space 14:26 Succession planning strategy and protecting credit union culture during CEO transitions 17:36 Addressing credit union mergers and fostering collaboration among small institutions 20:54 Financial literacy programs and community impact through Financial Reality Fairs KEY TAKEAWAYS: 💎 Credit union leadership success starts with self-awareness and relationship building. Know every employee's name, their families, and vacation plans because people need to know how much you care before they care about how much you know. 💎 Effective succession planning requires a systematic approach that protects organizational culture. Chrome Federal used both external recruiters and internal candidate development, ultimately selecting a "quasi-internal" leader who understood its cooperative values and brand-building philosophy. 💎 Credit union collaboration through financial literacy programs offers powerful alternatives to mergers for small institutions. Programs like Financial Reality Fairs allow multiple credit unions to serve communities together, amplifying community impact while preserving independence and local identity. ABOUT THE GUEST: Bob Flanyak - LinkedIn RESOURCES MENTIONED: Mark Ritter - Website Mark Ritter - LinkedIn SEO KEYWORDS: Credit Union Conversations, Mark Ritter, MBFS, Credit Unions, CUSO, Authentic Leadership, Organizational Culture, Succession Planning, Employee Relationships, Cooperative Values, Credit Union Mergers, Community Impact, Morning Huddles, Organizational Values, Internal Candidates, External Recruiters, Internal Candidate Development

    26 min
  8. MBFS Quick Hits feat. Carrie Hutton: Commercial Loan Process

    FEB 3

    MBFS Quick Hits feat. Carrie Hutton: Commercial Loan Process

    Business lending expert Carrie Hutton shares her journey from military spouse to VP of documentation services at MBFS in this episode of Credit Union Conversations. Host Mark Ritter explores the critical components of the loan closing process, including essential entity documents, title work, and collateral valuations. Hutton reveals how proper documentation requirements for credit union business lending can dramatically reduce closing delays. From managing loan approvals to coordinating environmental due diligence, listeners gain insider knowledge on how to achieve faster, more efficient closings in commercial lending. What You Will Learn In This Episode: ✅ The realistic timeline for closing commercial real estate loans versus equipment financing deals, and why business lending professionals should expect three to four weeks for real estate transactions, while non-real estate loans can close in under a week. ✅ The four critical loan documentation requirements that consistently delay closings include entity documents with correctly spelled names, title work for correct vesting, accurate collateral valuation, and detailed loan approval documentation. ✅ How credit union operations can avoid common mistakes in the loan closing process, including missing authorized signers on documents and delays caused by incomplete environmental due diligence or appraisal process issues. Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union’s growth today. TIMESTAMPS: 00:00 Introduction to business lending expert Carrie Hutton and her debut on the Credit Union Conversations podcast 01:10 Carrie's banking career journey from military spouse employment at Bank of America in Japan to credit union roles 04:05 Carrie's role managing the documentation services team and onboarding credit unions 05:46 The ideal loan closing process timeline and managing appraisal process, flood certification, and environmental due diligence 09:07 Common mistakes that delay closings, from missing authorized signers to incomplete loan approval details KEY TAKEAWAYS: 💎 Successful business lending depends on accurate entity documents with names spelled exactly as filed at the state level. Missing or incorrect operating agreement details and authorized signers are the most common causes of delays, sometimes rendering entire loan documents invalid. 💎 Understanding loan type impacts closing speed significantly. Commercial vehicles, UCC filings, and equipment financing deals close in under a week, while real estate transactions require three to four weeks due to appraisal and environmental due diligence timelines. 💎 Effective team management in documentation services requires clear procedural manuals and systematic tracking of construction loans, change in terms requests, and tickler systems to ensure nothing falls through the cracks during high-volume loan processing periods. RESOURCES MENTIONED: Mark Ritter - Website Mark Ritter - LinkedIn SEO KEYWORDS: Credit Union Conversations, Mark Ritter, MBFS, Credit Unions, CUSO, Business Lending, Loan Documentation, Loan Closing Process, Documentation Requirements for Credit Union Business Lending, Title Work, Collateral Valuation, Loan Approval, Commercial Real Estate, Equipment Financing, Environmental Due Diligence, Appraisal Process, Operating Agreement, Loan Processing

    11 min

Ratings & Reviews

5
out of 5
2 Ratings

About

Welcome to Credit Union Conversations podcast with your host, Mark Ritter, a forward-thinking CEO, who excels in helping credit unions, small businesses, and real estate investors succeed. Join Mark as he explores current trends, interview industry experts, and get fresh insights on optimizing your lending operations and delivering the best possible services to credit union members. More about your host: Mark Ritter is the CEO of MBFS & Nu Direction Lending and an expert in credit unions and business lending. His primary role at MBFS is overseeing the strategy of helping credit unions assist members with business needs and consulting with credit unions on planning the delivery of services to their membership. In 2002, Mark started a large central Pennsylvania credit union’s business lending program as “one person and a desk” with no policies, products, staff, systems, or business members. That program grew to be one of the top ten in the nation. In 2012, he took on the challenge of being the CEO of a business lending CUSO. Mark was the fifth CEO in five years for the organization, which lost money every month of its existence. Since joining MBFS, Mark increased the number of credit unions the CUSO and revenue by over 10x and ensured positive cash flow every full year he’s been at the CUSO. More importantly, MBFS has helped countless credit union members gain the financing they need for business and investment needs. Mark is a native of Berwick, PA in northeast Pennsylvania, where he was a member of his high school’s nationally ranked and state championship football team. After high school, Mark hung up his cleats to work for the Penn State Nittany Lions full-time as a student assistant while attending Penn State as an undergrad. During this time Penn State transitioned to the Big Ten and culminated in Penn State’s first Big Ten Championship and a trip to the Rose Bowl. Mark remains an avid Penn State supporter. Today Mark lives in Bucks County, PA outside of Doylestown with his wife and two teenagers.

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