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 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...
by Tony Ferris | Jan 28, 2026 | Boards, Enterprise Risk Management, Risk Management, Strategy, Uncategorized
Through my work on strategy and enterprise risk management across the industry in all sizes of financial institutions, I have noticed an alarming issue that has and will have broad and deep implications for our credit unions. Across the economy, companies have...
