Posts By: Denise Wymore

Alpena Alcona Area Credit Union includes core processor in business continuity tabletop exercise

For those credit unions looking to take their business continuity program to the next level, including key vendors and service providers in recovery testing and exercises is a win-win scenario. That was the experience for the team at Alpena Alcona Area Credit Union (located in Alpena, MI) when they partnered with CUSO and core processor, CU*Answers, to conduct a disaster recovery tabletop exercise.

With the participation of business unit leaders and branch managers, the simulated scenario involved a severe winter storm resulting in power and data communications outages at select branch locations with conditional injects at 15-minute intervals. “Understanding the capacity of the credit union to continue serving our members as conditions change is instrumental in enabling us to ask the right questions, anticipate the needs, and identify solutions in advance,” said Angie Szatkowski, Chief Operations Officer for Alpena Alcona Area. “By engaging our core processor, the team was exposed to a fresh perspective for preparing and responding to the situation, as well as leveraging online channels for reaching the members where they are, even during northern Michigan winter storms.”… Read more

Constellation Achieves New Milestone With 100 Development Partners

Constellation Digital Partners has reached a new milestone with the announcement of its 100thdevelopment partner. With credit unions preparing to go live with Constellation, the 100th development partner milestone is remarkable due to the vast array of services that will be made available to credit unions. Meaning, the more registered development partners there are on the platform, the more activity there is surrounding active projects and services being built.

The Constellation Digital Platform allows development partners to create new services, test them and ultimately submit them for certification upon completion. Multiple developers can be working simultaneously on the platform to deliver solutions to credit unions. Constellation has formed very solid, collaborative partnerships among fintech partners and credit unions. Today there are more than 250 individual developers working on projects within the developer portal to provide a wide array of additional services to credit unions, and eventually, credit union members.… Read more

Spotlight on Dr. Troy Hall, SCF Solutions CUSO

Dr. Troy Hall is with SCF Solutions, a CUSO that offers leadership training, speaking engagement and talent retention consulting. We sat down with him to learn a bit more about what the CUSO offers and how it came to be.

PART ONE: Life Story and Experiences

What’s your current position and can you give me a brief overview of what it is you do in your work?

I am currently the Chief Strategy Officer at South Carolina Federal Credit Union. My day-to-day responsibilities include advancing the conversations and actionable items dealing with the strategic growth of the credit union as jointly agreed upon by the board and the senior leadership team. This includes facilitating strategic planning meetings with staff and board, managing the overall project portfolio (tactical initiatives and calendar), and producing a comprehensive business plan.

Additionally, I manage the consulting division of the CUSO, which includes speaking engagements and workshops around culture, strategy and change.… Read more


Five County Credit Union is a Leading Participant in CO-OP Shared Branch Network

Five County Credit Union, one of the largest participants in CO-OP Shared Branch network in Maine, is expanding its partnership with CO-OP Financial Services to include a wide variety of solutions within the CO-OP ecosystem.

Based in Bath, Maine, Five County CU ( is now working with CO-OP ( to enhance the member experience and create back-office efficiencies by using CO-OP’s debit and credit transaction processing services combined with loyalty and rewards program solutions; offering the CardNav by CO-OP card controls and alerts mobile application; and participating in the CO-OP ATM network.

“We are moving our debit and credit card processing to CO-OP to remove friction points for our members and staff,” said Julie Marquis, President and CEO of Five County CU. “The efficiencies created by having all card programs under one umbrella is the ultimate goal – only one set of fraud rules, one set of parameters and only one mobile application for members and staff, along with rewards provided for debit and credit transactions.… Read more

The CUSO Guru’s Vision for 2020

As I thought about what I would write as my vision for 2020, I looked back to see what I wrote as my vision for 2019.   Many economists were expecting higher interests rates and an economic slowdown in 2019.   Did not happen.  The year of 2019 has been a very good year for credit unions and our 401(k)’s.  Yes, Guru’s have 401(k)’s and we need them.   The cost of Uber Eats deliveries to the mountain top is not going down.

The prevailing forecast for 2020 is for continued growth.   Now we should be worried.  As to whether the financial forecast for 2020 is right, John Kenneth Galbraith, the famous economist, said it best.   “There are two kinds of forecasters, those who do not know and those who do not know that they do not know.”

Vendor Authority

In 2019, I predicted that there would be a battle with NCUA over vendor authority. … Read more