By Mark H. Smith, Founder

The November issue of Credit Union Magazine bore the following message on its cover: "Expect a Surge in Lending." With unemployment at its...

By Cynthia Walker, CEO

Life has a way of pestering you with issues from a myriad of directions, and sometimes it seems like the only response to the incessant and...

By Jeff Johnson

Early withdrawal penalties are designed to be a deterrent to members from withdrawing their certificates of deposit before the maturity date. In the...

By Mark H. Smith, Inc. Staff

Credit union managers are faced with a myriad of risk management decisions every day. These decisions have consequences, many of which can...

By Cynthia Walker, CEO

"CU Savings Balances Top $1 Trillion" headlined a report from CUNA Mutual¹ on May 18 of this year. Their report also indicated total credit union...

By Cynthia R. Walker, CEO, Mark H. Smith, Inc.

The adage “A picture is worth a thousand words” appeared in newspapers in the early 1900s and refers to the notion that a...

By Jason Williams, Financial Analyst

The Smithsonian in Washington DC opened an exhibit titled “American Enterprise” on July 1st of this year. The exhibit is the first...

By Mark H. Smith, Founder, Mark H. Smith, Inc. and Matthew Jacobsen

True to its traditional roots a credit union has tended to fund the balance sheet with retail shares...

By Mark H. Smith, Founder, Mark H. Smith, Inc.

Rates have been at historic lows for over six years. The Fed has (sort of) promised a modest rate hike later in 2015. The...

By Cynthia Walker, CEO, Mark H. Smith, Inc.

What Can MHSI Do For You?

A particular advertising campaign created by UPS sticks in my mind as a successful campaign. I...