by Jeff Owen | Jun 2, 2026 | Boards, Enterprise Risk Management, Governance, Lending, Operational Risk Assessment, Risk Appetite Assessment, Risk Management, Strategy, Uncategorized
We have covered a lot of ground in this series. In Part 1 (Not Dying Is Not an Effective Strategy), we looked at why ‘not dying’ is not an effective strategy in today’s world, and how decades of safety-first messaging can quietly tip into safety-only behavior. In Part...
by Jeff Owen | May 27, 2026 | Boards, Enterprise Risk Management, Governance, Operational Risk Assessment, Risk Appetite Assessment, Risk Management, Strategy
(Part 2 of 3 in a Series on Risk Appetite: Risk Appetite Is Not a Binder on a Shelf) In Part 1 of this series, Not Dying Is Not an Effective Strategy, we made the case that credit unions cannot ‘safety’ their way to relevance. The forces pressing on the...
by Jeff Owen | May 21, 2026 | Boards, Enterprise Risk Management, Risk Appetite Assessment, Risk Management, Strategy
(Part 1 of 3 in a Series on Risk Appetite: Not Dying Is Not an Effective Strategy) Back in 2014, we asked credit union boards and executives a question borrowed from an animated cave family: Are you living, or just not dying? It was a challenge to organizations doing...
by Jeff Owen | Apr 29, 2026 | Boards, Enterprise Risk Management, Governance, Risk Appetite Assessment, Risk Management, Strategy
Enterprise Risk Management (ERM) is often perceived as a dense, technical discipline best left to specialists. But for a credit union board, ERM should be something very different: a clear, practical framework that helps (1) preserve the value the organization has...
by Jeff Owen | Mar 26, 2026 | Boards, Enterprise Risk Management, Governance, Operational Risk Assessment, Regulatory, Risk Appetite Assessment, Risk Management
For many organizations, risk management still feels like a collection of well‑intended but disconnected activities. Compliance conducts assessments. Operations manages incidents. Vendors are reviewed. Audits are performed. ERM produces a report. Each function is doing...
by Brian Hague, CFA | Jan 30, 2026 | Economics, Enterprise Risk Management, Strategy
Disclaimers: The opinions expressed herein are those of the author alone, and do not reflect any position taken by Rochdale. The author strives to remain politically agnostic in economic analysis and forecasting; as such, he is frequently an equal opportunity...
