Credit Union Exam Solutions Presents With Flying Colors

Mark Treichel's Credit Union Exam Solutions
  • 5.0 (14)
  • Management
  • Updated Weekly

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

  1. WFC Classic: Rating Commercial Credit Risk — What NCUA Expects

    2d ago

    WFC Classic: Rating Commercial Credit Risk — What NCUA Expects

    | WFC Classic: Rating Commercial Credit Risk — What NCUA Expects

    32 min

  2. 4d ago

    NCUA’s 2026–2030 Strategic Plan: What Changed and Why It Matters

    www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Episode: NCUA’s 2026–2030 Strategic Plan: What Changed and Why It Matters In this solo episode, Mark Treichel walks through NCUA’s newly released 2026–2030 Strategic Plan and compares it section by section against the prior 2022–2026 plan. The contrast tells credit union leaders exactly where the agency is going — and which of those decisions are now codified as five-year commitments rather than reversible management choices. What’s covered: •        The framework requirements: OMB Circular A‑11 and which 19 items the plan needed to address. •        What dropped out of the 2026 plan: the eight-page economic outlook, dedicated climate-related financial risk objective, full enterprise risk management section, standalone minority depository institution objective, diversity-equity-inclusion language, and the cross-agency collaboration narrative. •        What’s new in 2026: AI as a standalone strategic objective, the GENIUS Act stablecoin rulemaking as a performance target, the reorganization codified as objective 3.2, real estate footprint reduction language, merit-based hiring as a deliverable, deregulation quantified at 30 actions, and a chartering automation target. •        The political cycle behind the swings: every administration gets a year after inauguration to issue a new five-year plan, and the language reflects whoever is in office. •        Practical implications for credit unions: AI-assisted exam scoping, the shift of stakeholder-facing work to the regions, what the 27% workforce reduction means for examination dynamics, and how to read the deregulation scoreboard for substance vs. headline count. •        Mark’s takeaways: reorganization is now a five-year strategic commitment, safety and soundness remains the North Star, AI in examinations is coming and measurable, the deregulation scoreboard is mostly budget dust with a few real items, and the smaller examiner footprint creates short-term wins and longer-term structural questions. A practical episode for credit union CEOs, board members, CFOs, and senior staff who want to understand what NCUA has actually committed to over the next five years and what to do about it before the next board meeting. About the host: Mark Treichel is the principal of Credit Union Exam Solutions. He spent more than 33 years at NCUA, including eight as Executive Director and over five years on the senior leadership team. He hosts With Flying Colors to help credit unions navigate examinations and regulatory change.

    20 min
  3. WFC Classic: Conservatorship - When NCUA Removes the Board of Directors

    May 28

    WFC Classic: Conservatorship - When NCUA Removes the Board of Directors

    WFC Classic: Conservatorship - When NCUA Removes the Board of Directors

    12 min

  4. May 26

    From Appeal to Proposed Rule: How One Credit Union's Field of Membership Fight Reshaped NCUA Policy with Rick Mumm

    www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Mark Treichel sits down with Rick Mumm — a 34-year NCUA veteran who spent 26 of those years in field of membership work, including bylaws, mergers, liquidations, and charter expansions — to walk through NCUA's proposed rule change on customer-client relationships in field of membership decisions. This proposal is unusual in two respects. First, unlike most of NCUA's recent deregulation announcements, it has real practical impact for credit unions seeking to add fraternal organizations or associations with any customer-client element. Second, the rule is the direct result of an actual appeal that went all the way to the NCUA Board — an appeal pursued by POLAM Federal Credit Union, led by CEO Jennifer Audette, in which the Board denied the appeal but acknowledged inconsistencies in the existing rule and committed to a rewrite. Topics covered: •        Why the current Chartering Manual creates inconsistency by specifically naming the Knights of Columbus as qualifying while excluding similar fraternal organizations that sell insurance •        How Thrivent fits into the picture as another mutual insurance organization that converted from a mutual savings bank into a federal credit union •        The affiliate-membership wrinkle: under both Knights and Thrivent, members who don't buy insurance are affiliate members without voting rights — which the Chartering Manual says shouldn't qualify for credit union membership •        What the proposed rule actually says, why it's so sparse, and what's notably absent from it •        Why concerns about NCUA's loss of corporate knowledge at the Office of Credit Union Resources and Expansion mean execution will matter more than the text •        How credit unions should position applications under the new standard •        Why credit unions with stalled or denied applications should consider submitting comment letters Rick can be reached at rick@rcservices.com or via rcservices.com.

    24 min
  5. WFC Classic: MBL Global Cash Flow & Credit Proposals

    May 21

    WFC Classic: MBL Global Cash Flow & Credit Proposals

    | WFC Classic: — MBL Global Cash Flow & Credit Proposals — Vin Vieten

    38 min

  6. May 19

    $16 Million In Fraud from the Inside: A Walk Through NCUA’s Latest IG Report

    www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Mark Treichel walks through NCUA’s most recent Inspector General semi-annual report to Congress, covering the April through September 2025 reporting period. Seven credit union failures occurred during the cycle, with internal fraud driving the two largest losses for a combined total of more than $16 million. Mark breaks down the fraud triangle (pressure, opportunity, rationalization), examines what the failures reveal about supervisory committee performance, walks through the patterns NCUA examiners look for, and lays out a practical prevention playbook scaled to credit union size. In this episode: •        The seven credit union failures from NCUA’s most recent Inspector General report •        Why internal fraud accounted for the largest losses •        The fraud triangle and why opportunity is the most controllable element •        Record keeping failures as a force-multiplier for every other control breakdown •        The supervisory committee as the first line of defense •        What examiners pattern-match against during exams •        Prevention strategies for credit unions under $50 million in assets •        Prevention strategies for mid-size and larger credit unions •        The living fraud risk assessment: member risk, product risk, enterprise risk •        Why on-site exams will not be replaced by virtual exams Mark Treichel spent 33 years at NCUA, including eight years as Executive Director. He is now principal of Credit Union Exam Solutions and host of the With Flying Colors podcast.

    19 min
  7. WFC Classic: So You Are A CAMELS 3 - Now What?

    May 14

    WFC Classic: So You Are A CAMELS 3 - Now What?

    FC Classic:  So You Are A CAMELS 3 - Now What?

    26 min

  8. May 11

    Emergency Podcast - NCUA Conserves Jackson Area FCU: Reading Between the Call Report Lines

    In this episode of With Flying Colors, Mark Treichel walks through NCUA’s May 6 conservatorship of Jackson Area Federal Credit Union of Jackson, Mississippi. Drawing on 33 years at NCUA — including responsibility for some of the agency’s largest historical conservatorships — Mark analyzes the publicly available call report data and explains why this case is unusual. The credit union reported 9.2% net worth at year-end 2025, alongside loan-to-assets of 27.8%, $108 million in cash on deposit at correspondent banks, and $41.8 million in non-member deposits. Mark works through why these patterns, taken together, are statistically extreme — Jackson Area is the only large credit union in the country with non-member deposits over 25% and loan-to-assets under 30%. The episode also covers a roughly $2.13 million Q4 net worth entry that lifted capital back above the well-capitalized threshold against just $42,000 in reported quarterly income, the timing of NCUA’s filing of an estimated March 31 call report the day before the conservatorship, and what the language in the press release may signal. Mark closes with five lessons for credit union boards: healthy ratios are not safety; the income statement can tell the truth the balance sheet hides; non-member deposits without lending growth deserve scrutiny; equity entries without income demand explanation; and NCUA examinations are not fraud audits. This is a solo episode — Mark’s analysis is based entirely on public data, with no insider information.

    27 min
See All (350)

Trailer

Ratings & Reviews

5
out of 5
14 Ratings

About

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

Information

  • Creator
    Mark Treichel's Credit Union Exam Solutions
  • Years Active
    2022 - 2026
  • Episodes
    350
  • Rating
    Clean
  • Copyright
    © Credit Union Exam Solutions

You Might Also Like