In the often-overlooked arena of cooperative finance, few leaders have inspired as enduring a legacy as Thomas (Tom) Lent. As President and CEO of Southland Credit Union in Orange County, California, Lent has spent nearly two decades coaching his team through remarkable growth and quietly championing the credit union movement. His planned retirement in 2026...
Tag: Credit Union Data
Eric Petracca: Redefining Leadership in the Credit Union Movement
Every movement has its quiet architects—the leaders who shape culture and strategy not with noise, but with a steady hand and a clear vision. Eric Petracca, President and CEO of iQ Credit Union, is one of them. His path from teller to the corner office is not just a story of professional ascent; it’s a...
Why Credit Unions Should Lend 100% of Their Deposits
Credit unions were never meant to be mini-banks. Yet too many are managing their balance sheets like institutions designed for Wall Street, not Main Street. Somewhere along the way, the movement’s financial engine became more cautious than catalytic. It’s time to reframe lending not as a risk, but as a responsibility—and revisit a once-obvious idea:...
AI Credit Underwriting for Small-Dollar Loans
Leveling the Playing Field Against Fintechs
The Quiet Collapse of Fee Income
Why Credit Unions Must Find Better Ways to Fund the Movement
Data Monetization Without Selling Out
Generating Revenue from Member Data—Ethically, Transparently, and Aligned with the Movement
Non‑Traditional Collateral and the New Lending Frontier
How Credit Unions Can Leverage Alternative Assets Without Losing Their Soul
Should You Spin Out a Fintech Subsidiary?
Launching CU-Owned Innovation Hubs Without Losing the Mission
Credit Unions at the Crossroads
Navigating Liquidity, Loans, and the Looming Rate Cuts
Liquidity Isn’t the Problem—Stagnation Is
Why Liquidity Alone Doesn’t Protect—and What True Agility Looks Like









