How Your Credit Union Peers Use Key CU*Asterisk Tools ...126 Isabella Community CU Jay Anders,...

How Your Credit Union Peers Use Key CU*Asterisk Tools and Services

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The 2010 CU*BASE Peer Analysis PUBLISHED JANUARY 2010

Introduction For years CU*Asterisk has helped its clients develop their own potential through many different training and networking opportunities. To promote this style of networking and build an information base for credit unions to use in considering, planning, and using CU*BASE products, CU*Asterisk presents the CU*BASE Peer Analysis. Use this guide to check out what features your peers are using, and get ideas about new features you might want to pursue in the future. Whether you are thinking about launching a new initiative or making decisions on how to configure a new product or service, use the Peer Analysis to contact your peers who have already been down the same road. Although every credit union might have a different way of approaching individual features, we hope that the Peer Analysis helps you evaluate multiple points of view, to help you make the best decisions for your organization and your members.

New for 2010! Check out Page 30 to see a new feature grouping added this year.

MARKETING AND LOGO BRANDING This section compiles the key ways in which your credit union’s brand can be used with CU*Asterisk tools. Many of these categories are brand-new this year, and some are even being planned for introduction during 2010. Attention marketers: Watch your email for an invitation to our first‐ever Branding Focus Group event to be held this Spring!

Compare Your Member Self Service Penetration with your Peers As always, be sure to check out the columns starting on Page 13 showing penetration for self‐service products, including: Online Banking Members E‐Statement Members CU*EasyPay! Bill Payment Members

New this year: We’ve added some new calculations that compare e‐Statement and Online Bill Payment subscribers to your active Online Banking members. This interesting stat might give you a feel for how many members sign up for these services but don’t end up logging in very often to It’s Me 247 to use them.

Contact your peers for insight on how to increase your member adoption of these services!

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About This Publication The Peer Analysis is organized into two sections: the analysis worksheet starting on Page 2 and an explanation of the feature categories starting on Page 42. The Analysis itself is a worksheet showing CU*Asterisk credit union clients, both on-line and self-processing. Features are grouped by type, such as “Electronic Services” or “Accounting/Back Office.” A feature is marked if the credit union makes use of the feature in any way. Remember that the depth and method of use will vary by credit union. The explanation section beginning on Page 42 provides a description of each feature listed.

View Your Credit Union’s Stats On Line The data used for this Peer Analysis is compiled using the CU*Asterisk Client Master Database. This database, which contains details about your credit union’s locations and staff, is used extensively by CU*Asterisk as we work with your credit union.

Online credit unions: You can view and change your own Peer Analysis settings online through CU*BASE. On the Main Menu, choose #6 Your Customer Profile to view your database entry, then click the “CU*BASE Features Used” button. (NOTE: For changes to your address or other profile information, contact any CSR.)

Self processing credit unions: If your credit union decides to implement a new feature, or you make a switch that affects your settings in the Peer Analysis, just let us know and we can make the change immediately! This guide is designed for you. Let us know how it can be made even more useful! Direct any comments or suggestions to Dawn Moore ([email protected] or 800‐327‐3478, ext. 126).

NOTE: The information contained in this document is designed to be used by CU*Asterisk credit union clients in evaluating their usage of the CU*BASE software, and provided by CU*South to select prospective clients as a sales reference tool. It is not to be distributed to vendors or other parties without express written authorization from CU*South.

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Contents

Page

Statistics ...................................................................................................................................................................... 2

Accounting / Back Office ............................................................................................................................................ 5

eDOC Innovations ..................................................................................................................................................... 11

Electronic Services .................................................................................................................................................... 13

Fees/Service Charges & Rebates .............................................................................................................................. 17

Lending: Loan Product Features ............................................................................................................................... 21

Lending: Miscellaneous Lending Services ................................................................................................................ 25

Management Analysis .............................................................................................................................................. 27

Marketing & Logo Branding...................................................................................................................................... 30

Marketing & General ................................................................................................................................................ 31

Member Services ...................................................................................................................................................... 35

Partner Integrations ................................................................................................................................................. 37

Savings Products ....................................................................................................................................................... 39

EXPLANATION OF FEATURES .................................................................................................................................... 42

Can’t find something? Remember that the Peer Analysis is not intended to be an exhaustive list of all CU*BASE features or services available through the CU*South and the custasterisk.com network. But we do want to highlight key tools and features to spark your interest. The Peer Analysis is especially helpful for products and services that might require a collaborative environment where you and your peers can learn from each other. So let us know if

there are additional categories you’d like us to add!

CU#CU Name(Sorted by Number of Members)

Contact Name(Boldface indicates Board Member)

# of Members as of 9/30/09

Asset Size as of 9/30/09 City State #

of Locations

3325 Fox Communities CU Greg Hilbert, CEO 64,895 716,513,563 Appleton WI 15133 Alpena Alcona Area CU Don Mills, CEO 27,017 237,805,799 Alpena MI 8200 Berrien Teachers CU Scott McFarland, CEO 24,497 241,237,195 St Joseph MI 53450 Superior Choice CU Gary Elliott, CEO 24,447 165,614,713 Superior WI 5112 Frankenmuth CU Vickie Schmitzer, CEO 21,928 205,412,547 Frankenmuth MI 3166 Detroit Metropolitan CU Kathie Trembath, CEO 21,659 353,751,717 Detroit MI 1720 CorePlus FCU Warren Scholl, President/CEO 21,328 192,865,309 Norwich CT 793 Unison CU Mark Hietpas, CEO 20,846 142,611,379 Kaukauna WI 4187 Heartland CU Sally Dischler, CEO 17,384 152,943,802 Madison WI 7155 Ohio Catholic FCU Randy Trimm, CEO 17,036 134,556,672 Garfield Heights OH 5148 Affinity Group CU Tom Miller, CEO 16,742 101,411,943 Pontiac MI 3135 North Central Area CU Richard Shay, CEO 16,419 68,869,815 Houghton Lake MI 53150 Prospera CU Sheila Schinke, Interm CEO 16,148 149,912,135 Appleton WI 6750 West Michigan CU Gary Schinske, CEO 15,907 92,957,012 Grand Rapids MI 43300 Harris County FCU Susan Roberts, President 15,112 86,294,279 Houston TX 1420 Service 1 FCU Joni Shinn, CEO 15,102 64,782,228 Muskegon MI 4178 Allegius CU Russell Dahl, CEO 14,914 132,262,729 Burns Harbor IN 53460 Horizon Utah FCU Randy Gailey, CEO 14,887 99,700,000 Farmington UT 5186 Meijer CU Brad Swee, CEO 14,810 51,352,335 Grand Rapids MI 2137 Parkside CU Scott Kreinbring, CEO 14,648 68,666,018 Livonia MI 2197 VacationLand FCU Kevin Ralofsky, CEO 14,621 126,229,838 Sandusky OH 3126 Isabella Community CU Jay Anders, President/CEO 14,259 66,640,804 Mount Pleasant MI 2145 Wauna FCU Robert Blumberg, CEO/President 14,055 124,030,707 Clatskanie OR 5169 United Educational CU Frances Godfrey, CEO 13,952 89,409,563 Battle Creek MI 3130 Central Michigan Community FCU Wanda Rawson, CEO 13,736 89,814,099 Clare MI 33430 Cumberland County FCU Scott Harriman, CEO 13,555 110,985,806 Falmouth ME 5500 Community CU Chris Butler, President 13,013 106,190,412 LaCrosse WI 4172 Glacier Hills CU Dennis Degenhardt, CEO 12,630 70,551,232 West Bend WI 4134 First Trust CU Ron Budzinski, President 12,281 72,388,596 Michigan City IN 5147 Western CU Thomas Furrey, CEO 11,760 61,432,836 Columbus OH 3156 Madison County FCU David Dodd, CEO 11,742 79,274,752 Anderson IN 4192 District Government Emp FCU Carla Decker, CEO 11,553 41,755,400 Washington DC 3176 Community West CU Charles Rea, CEO 11,299 95,133,560 Kentwood MI 33225 Ripco CU Jon Tulgren, President 11,281 70,462,472 Rhinelander WI 2660 San Antonio Citizens FCU Timothy Baldwin, President/CEO 11,149 107,812,898 San Antonio FL 3550 Western Division FCU Craig Mellenthien, President 11,138 109,536,605 Williamsville NY 2600 Peninsula FCU Robert Maxon, CEO 11,084 93,169,825 Escanaba MI 2129 Hardin Community FCU Matthew Jennings, CEO 10,886 56,159,883 Kenton OH 2190 TBA CU Karen Browne, CEO 10,793 128,106,962 Traverse City MI 3410 Forest Area FCU Merri Nixon, CEO 10,730 74,116,338 Fife Lake MI 4760 Allegis CU John Sink, President/CEO 10,488 72,850,688 Oshtemo MI 4122 Onaway Community FCU Scott Pauly, CEO 10,457 58,334,106 Onaway MI 4114 Delta County CU Brenda Lippens, CEO 10,275 71,911,538 Escanaba MI 2450 Wexford Community CU Fredrick Schuster, CEO/Download Authori 10,247 31,461,964 Cadillac MI 2146 Straits Area FCU Cindy Harrison, CEO 10,105 40,008,566 Cheboygan MI 3138 H.P.C. CU Cindy Krentz, Manager 9,691 98,598,528 Alpena MI 2149 Aberdeen FCU Douglas Thompson, CEO 9,516 77,474,967 Aberdeen SD 1171 CommStar CU Ernest Jackson, CEO 9,457 48,204,127 Elyria OH 3195 Community Schools CU Carol Wagner, CEO 9,311 51,764,564 Muskegon MI 1250 River Valley CU Janelle Higgison, CEO 9,139 53,112,185 Ada MI 1188 Highmark FCU John Carlson, CEO 9,094 73,443,360 Rapid City SD 3142 Sioux Empire FCU Jeff Jorgensen, President 8,912 70,319,628 Sioux Falls SD 4185 First Financial CU Patrick Basler, CEO 8,868 55,107,132 Skokie IL 5132 Besser CU Nancy Montie, CEO 8,828 51,141,547 Alpena MI 2113 Clarkston Brandon Community CU Donna Bullard, President/CEO 8,723 44,653,614 Clarkston MI 2115 AAC CU Brian Turmell, CEO 8,496 53,745,745 Grand Rapids MI 3770 Lakeview CU Pat Lowney, President 8,392 85,328,974 Neenah WI 3124 AAA FCU Paul Obermeyer, CEO 8,377 57,907,572 South Bend IN 33420 Tahquamenon Area CU Terrence Fisher, CEO 8,315 57,725,892 Newberry MI 5131 Allegan Community FCU Billie McClellan, CEO 8,243 21,082,364 Allegan MI 1530 Sangamon Schools CU Gene Taylor, President 7,831 42,343,973 Springfield IL 2310 FOCUS CU Dean Wilson, President 7,822 38,535,854 Menomonee Falls WI 3350 Filer CU Patty Preuss, CEO 7,688 74,698,007 Manistee MI 1680 FEDCom CU John Thornton, CEO 7,612 42,658,521 Grand Rapids MI 2670 Brewery CU Jim Schrimpf, CEO 7,588 30,142,444 Milwaukee WI 1430 Muskegon Co‐op CU John Rupert, CEO 7,548 32,753,570 Muskegon MI 2182 Sentinel FCU Nancy Ellwein, CEO 7,529 56,130,455 Box Elder SD 4173 New Horizons CU LeRoy Wilder, CEO 7,410 52,780,357 Cincinnati OH 5119 Premier Financial CU Jim Safian, CEO/President 7,318 78,947,223 Clinton Township MI 1125 Rogue River Community CU Connie (Mickie) Shaw‐Traxler, CEO/President 7,306 32,820,287 Sparta MI 1240 East Traverse Catholic FCU Len Classens, CEO 7,289 39,174,172 Traverse City MI 3141 Calcite CU Barb Niedbala, CEO 7,118 36,138,656 Rogers City MI 2590 Greater Metro FCU Pete Nalaskowski, CEO 6,536 73,362,945 Long Island City NY 411 Progressive CU Robert Familant, Treasurer 6,425 517,910,963 New York NY 2153 First United FCU Jeff Kruer, CEO 6,348 21,943,755 Grandville MI 1196 Rapid City Telco FCU Jaycie Matthews, CEO 6,323 43,343,216 Rapid City SD 4

Statistics

Sorted by # of members 2 Data gathered in December 2009


Contact Name(Boldface indicates Board Member)

# of Members as of 9/30/09

Asset Size as of 9/30/09 City State #

of Locations

Statistics

161 Northern Hills FCU Cindy Griffin, CEO 6,251 47,860,400 Sturgis SD 43025 Services Center FCU* David Wright, CEO 6,238 38,521,958 Yankton SD 3740 Kent County CU Raymond Ward, CEO 6,150 36,645,213 Grand Rapids MI 2136 First Service CU Tony Koeck, Interim CEO 6,129 35,383,899 Milwaukee WI 2170 Muskegon Governmental Empl. FCU Jan Herrmann, President 5,909 37,521,390 Muskegon MI 1191 Bay Area CU Jennifer Ferguson, CEO 5,851 51,215,154 Oregon OH 1184 Lake Huron CU David Maine, CEO 5,826 44,711,951 Saginaw MI 1157 Lenco CU Dave Chambers, CEO 5,807 44,696,387 Adrian MI 1280 Gratiot Community CU Brenda Miller, Manager 5,522 19,380,035 Alma MI 1198 CU Plus Cathy Dahlbeck, CEO 5,334 35,716,291 Bay City MI 4183 Franklin County School Empl. FCU Jodi Henricks, CEO 5,311 28,871,714 Columbus OH 1151 Tri‐Cities CU Sara Redeker, CEO 5,230 21,269,572 Grand Haven MI 1144 Aeroquip CU Lisa Robinson, CEO 4,849 39,612,047 Jackson MI 2127 GR Consumers CU Carol Spoolstra, CEO 4,757 34,919,992 Wyoming MI 2210 Grand Rapids Family CU Kim Wilson, CEO 4,694 29,004,183 Grand Rapids MI 1380 Thornapple Valley Community CU Barney Hutchins, CEO 4,660 13,825,868 Hastings MI 2165 Kensington Valley Community CU Joe Strauss, CEO 4,542 27,161,102 Highland MI 1174 Firefighters CU Bruce Zmolek, CEO 4,513 54,330,850 La Crosse WI 2270 Generations Family FCU Colleen Engel, CEO 4,513 28,696,106 Saginaw MI 210 Western Districts Members CU Dave Keim, CEO 4,439 28,937,262 Grand Rapids MI 2163 Clawson Community CU Char Larson, CEO 4,379 32,842,447 Clawson MI 1490 Governmental Empl. CU Sue Prinsen, President 4,376 41,032,139 La Crosse WI 1123 Consumers FCU Stephen Jacoby, CEO 4,223 55,709,282 Brooklyn NY 3340 Safe Harbor CU Jean Mazur, President/CEO 4,207 26,299,312 Ludington MI 1110 Consumers Choice CU Jeanne Hartwig, President/CEO 4,132 34,327,855 Saginaw MI 1117 Madison CU David Petit, CEO 3,927 27,428,276 Madison WI 2730 Saginaw County Empl. CU John Klass, President/CEO 3,723 30,993,825 Saginaw MI 1640 Grand Trunk (BC) Empl. FCU LuAnn Schott, Manager 3,467 27,920,928 Battle Creek MI 1570 Lakeshore FCU Kathy Fearnley, CEO 3,456 19,507,517 Muskegon MI 1116 Thunder Bay Area CU Peggy Stanton, Manager 3,393 16,787,716 Alpena MI 190 Newaygo County Service Empl. CU Dennis Greeno, Manager 3,347 16,028,655 Fremont MI 1128 Alpena Community CU Mary Koss, CEO 3,329 16,893,061 Alpena MI 1260 Big Dutch CU Pat Schaub, Manager 3,268 14,970,239 Holland MI 170 Rockford Community FCU Connie Taylor, CEO 3,258 10,708,790 Rockford MI 180 Auto‐Owners Associates CU Jill Andringa, CEO 3,234 25,658,741 Lansing MI 1650 County‐City CU Thomas Pinnow, CEO 3,164 18,121,444 Jefferson WI 1520 Evergreen CU Sherry Johnson, Manager 3,049 24,533,069 Neenah WI 140 Michigan Coastal CU Jeanna Eckhardt, Manager 3,033 9,249,106 Muskegon MI 1620 Port City FCU Erin Bedwin, Manager 2,905 21,083,845 Muskegon MI 160 Kenowa Community FCU Brian Moran, CEO 2,854 16,513,165 Wyoming MI 1194 PEF FCU Russ Fisher, CEO 2,544 24,047,899 Highland Heights OH 2189 ROME CU Andy Revalds, CEO 2,521 16,022,501 Royal Oak MI 1164 Sarasota Municipal Empl. CU Elaine Karins, CEO 2,415 19,505,847 Sarasota FL 1158 Greater Wayne County FCU Kim Futo, CEO 2,346 12,540,518 Rittman OH 1177 Chiropractic FCU Jeanette Nielsen, COO 2,323 22,223,814 Farmington MI 1120 Northwest Consumers FCU Brent Scott, CEO 2,239 12,809,157 Traverse City MI 1152 First Choice CU Janet Uhlenhake, VP Lending 2,187 8,937,766 Coldwater OH 1162 Great Lakes Members CU Al Martin, CEO 2,113 10,163,516 Dearborn MI 13026 Vermillion FCU** Janet Mount, Manager 1,931 9,202,628 Vermillion SD 1179 Sentinel Graphics FCU Nancy Dultz, CEO 1,879 11,201,831 Ft Lauderdale FL 2370 Farm Bureau Family CU Pam MacCready, CEO 1,849 13,391,131 Lansing MI 1175 Federated Family CU Dawn Swaningson, CEO 1,831 11,618,887 Milwaukee WI 2700 Country Heritage CU Frances Terry, Manager 1,804 23,696,371 Buchanan MI 130 ATL CU Glenn Kretchmer, General Manager 1,755 11,192,344 Wyoming MI 1220 Bissell Empl. CU Evelyn Cavner, Manager 1,660 9,105,964 Grand Rapids MI 1790 Catholic Aid Association CU Nicholas Jaeger, President 1,648 8,207,575 St. Paul MN 1290 Shawbox Community FCU Pam Goven, CEO 1,597 8,889,509 Muskegon Heights MI 1480 Community First FCU Tim Rasmussen, Manager 1,323 11,897,826 Lakeview MI 1390 Muskegon Consumers Power CU Toni Garcia, Manager 1,318 6,108,822 Muskegon MI 1470 Hometown CU Doris Mason, Manager 1,211 8,513,599 Quincy IL 2150 West Michigan Postal Service FCU Terrie Bird, Manager 936 4,887,031 Muskegon MI 1400 Muskegon Teachers CU Carol Wagner, Manager 802 3,296,443 Muskegon MI 1193 Table Rock FCU Regina McIlrath, CEO 410 1,192,453 Shell Knob MO 1181 CR Community First CU Kim Claymore, Interim Manager 198 1,243,723 Eagle Butte SD 1

TOTAL/COUNT 140 1,179,957 $9,075,373,178 341% of CUs that use the feature * Indicates a CU that acts as a service bureau for another CU.

** Represents a CU processed by another CU*BASE client.



3325 Fox Communities CU133 Alpena Alcona Area CU200 Berrien Teachers CU3450 Superior Choice CU112 Frankenmuth CU166 Detroit Metropolitan CU720 CorePlus FCU93 Unison CU187 Heartland CU155 Ohio Catholic FCU148 Affinity Group CU135 North Central Area CU3150 Prospera CU750 West Michigan CU3300 Harris County FCU420 Service 1 FCU178 Allegius CU3460 Horizon Utah FCU186 Meijer CU137 Parkside CU197 VacationLand FCU126 Isabella Community CU145 Wauna FCU169 United Educational CU130 Central Michigan Community FCU3430 Cumberland County FCU500 Community CU172 Glacier Hills CU134 First Trust CU147 Western CU156 Madison County FCU192 District Government Emp FCU176 Community West CU3225 Ripco CU660 San Antonio Citizens FCU550 Western Division FCU600 Peninsula FCU129 Hardin Community FCU190 TBA CU410 Forest Area FCU760 Allegis CU122 Onaway Community FCU114 Delta County CU450 Wexford Community CU146 Straits Area FCU138 H.P.C. CU149 Aberdeen FCU171 CommStar CU195 Community Schools CU250 River Valley CU188 Highmark FCU142 Sioux Empire FCU185 First Financial CU132 Besser CU113 Clarkston Brandon Community CU115 AAC CU770 Lakeview CU124 AAA FCU3420 Tahquamenon Area CU131 Allegan Community FCU530 Sangamon Schools CU310 FOCUS CU350 Filer CU680 FEDCom CU670 Brewery CU430 Muskegon Co‐op CU182 Sentinel FCU173 New Horizons CU119 Premier Financial CU125 Rogue River Community CU240 East Traverse Catholic FCU141 Calcite CU590 Greater Metro FCU11 Progressive CU153 First United FCU196 Rapid City Telco FCU

Phone Class of

Self Processor

Owne

r

CU*C

heck

Check Processing

CU*C

heck

Fed Dep

osit

(920) 993‐9000 1997 X X(800) 443‐3577 2005 X X X(269) 983‐6357 1995 X X X(715) 392‐5616 2008 X X(989) 497‐1600 2002 X X X(313) 568‐5000 2007(860) 886‐0576 1997 X(920) 766‐6000 1996 X(608) 282‐7000 2009(216) 663‐6800 2007 X(248) 334‐0568 2006 X(989) 910‐5135 2004 X X X(920) 882‐4800 1996 X X(616) 451‐4567 2001 X X X(713) 755‐5160 1997 X X(231) 739‐5068 1994 X X X(219) 787‐8049 2008(800) 991‐4965 2009 X(616) 784‐4822 2009(734) 525‐0700 2005 X(419) 625‐9025 2009(989) 773‐5927 2004 X X X(800) 773‐3236 2006(269) 965‐7281 2008 X X(800) 462‐5750 1995 X X X(207) 878‐3441 2006 X(608) 779‐2400 1997 X(262) 338‐1888 2008(219) 879‐6161 2003 X(614) 276‐6589 2006 X(765) 644‐3623 2007 X(202) 671‐1626 2009(616) 261‐5657 2008(715) 365‐4858 1997 X(352) 588‐2732 1997 X(716) 632‐9328 1997 X(906) 789‐6400 1999 X(419) 674‐4998 2004 X(800) 678‐0987 1995 X X X(231) 879‐4154 1995 X X X(269) 372‐4455 2001 X X(989) 733‐8557 2003 X X(906) 785‐7213 2002 X(231) 775‐2081 1995 X X X(231) 627‐3145 2006(989) 354‐4698 2005 X X X(877) 225‐2488 2007(440) 365‐7342 2010(231) 733‐1329 2009(616) 787‐7481 2000 X X X(800) 672‐6365 2008(605) 367‐7070 2005 X(847) 676‐8000 2009(989) 356‐1880 2005 X X X(248) 625‐2923 2002 X(616) 459‐4429 2002 X X X(920) 729‐5100 2001 X(574) 232‐8021 2003 X(906) 293‐5117 2005 X X(269) 673‐5465 2005 X X(217) 528‐2642 1996 X(262) 255‐0833 1997 X(231) 723‐3400 1994 X X X(616) 364‐7283 2001 X X X(414) 273‐3170 2001(231) 726‐4871 1994 X X X(605) 923‐1405 2009(513) 562‐6600 2008(866) 416‐3700 2004 X(616) 887‐8262 2004 X X X(800) 207‐9780 1995 X X X(989) 734‐4130 2005 X X X(800) 361‐1012 1996 X(212) 695‐8900 2002 X(616) 532‐9067 2006 X(605) 342‐8522 2009

Statistics (continued)



161 Northern Hills FCU3025 Services Center FCU*740 Kent County CU136 First Service CU170 Muskegon Governmental Empl. FCU191 Bay Area CU184 Lake Huron CU157 Lenco CU280 Gratiot Community CU198 CU Plus183 Franklin County School Empl. FCU151 Tri‐Cities CU144 Aeroquip CU127 GR Consumers CU210 Grand Rapids Family CU380 Thornapple Valley Community CU165 Kensington Valley Community CU174 Firefighters CU270 Generations Family FCU10 Western Districts Members CU163 Clawson Community CU490 Governmental Empl. CU123 Consumers FCU340 Safe Harbor CU110 Consumers Choice CU117 Madison CU730 Saginaw County Empl. CU640 Grand Trunk (BC) Empl. FCU570 Lakeshore FCU116 Thunder Bay Area CU90 Newaygo County Service Empl. CU128 Alpena Community CU260 Big Dutch CU70 Rockford Community FCU80 Auto‐Owners Associates CU650 County‐City CU520 Evergreen CU40 Michigan Coastal CU620 Port City FCU60 Kenowa Community FCU194 PEF FCU189 ROME CU164 Sarasota Municipal Empl. CU158 Greater Wayne County FCU177 Chiropractic FCU120 Northwest Consumers FCU152 First Choice CU162 Great Lakes Members CU3026 Vermillion FCU**179 Sentinel Graphics FCU370 Farm Bureau Family CU175 Federated Family CU700 Country Heritage CU30 ATL CU220 Bissell Empl. CU790 Catholic Aid Association CU290 Shawbox Community FCU480 Community First FCU390 Muskegon Consumers Power CU470 Hometown CU150 West Michigan Postal Service FCU400 Muskegon Teachers CU193 Table Rock FCU181 CR Community First CU

TOTAL/COUNT% of CUs that use the feature

Phone Class of

Self Processor

Owne

r

CU*C

heck

Check Processing

CU*C

heck

Fed Dep

osit

Statistics (continued)

(605) 347‐4527 2007(605) 665‐4309 1996 X X(616) 336‐3490 2001 X X X(888) 275‐3728 2004(231) 722‐7285 1995 X X X(419) 698‐2962 2009(800) 438‐5428 2009(517) 263‐0851 2007(989) 463‐8321 1994 X X X(989) 892‐2831 2009(614) 261‐0650 2008(616) 842‐6320 2006 X X(517) 789‐2890 2006 X X(616) 538‐2810 2004 X X X(616) 456‐8848 1995 X X(269) 948‐8369 1996 X X(248) 887‐0666 2008 X(608) 784‐9480 2008(989) 755‐8502 1995 X X(616) 241‐2516 1994 X X X(248) 435‐0950 2007 X(608) 785‐7720 1997 X(718) 266‐2204 2003(231) 843‐2323 1995 X X X(800) 292‐3603 1995 X X X(608) 266‐4750 2003(989) 793‐9188 2001(269) 965‐1381 2000 X X(231) 755‐1202 1998 X X X(989) 354‐2850 2002 X X X(231) 924‐5510 1995 X X X(989) 356‐4561 2004 X X X(616) 396‐5000 1995 X X(616) 866‐8570 2000 X X(517) 323‐1370 1997 X(920) 674‐5542 2000(920) 729‐2999 1998 X(231) 777‐3620 1994 X X X(231) 725‐3312 2000 X X X(616) 534‐3307 1995 X X X(440) 449‐8383 2009(248) 548‐2300 2009(941) 953‐6744 2008 X(330) 927‐2516 2007(248) 478‐4020 2008(231) 947‐7600 1995 X X X(419) 678‐3335 2006(313) 274‐5030 2007 X(605) 677‐5214 1996 X(954) 522‐5626 2008(517) 323‐7000 1994 X(414) 278‐6220 2008(269) 695‐2334 2001(616) 257‐4285 1995 X X X(616) 791‐0631 1994 X X(651) 765‐4132 2001(231) 733‐3258 1995 X X(989) 352‐6031 1997 X X X(231) 773‐1370 1995 X(217) 228‐2168 1997(231) 722‐3921 1994 X X(231) 773‐0290 1994(417) 858‐2500 2010(605) 964‐2391 2008

10 81 55 47

7% 58% 39% 34%




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X X X XX X X X X X X X XX X X X X XX X X X X X X X X XX X X XX X X X X X X XX X X X X X X X X XX X X X X X X X X XX X X X X X X X XX X X X X X X XX X X X X X XX X X X X X X X XX X X X X X X X

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X X X X X X X X X X X X

124 71 23 118 86 87 126 115 86 126 7 17 133

89% 51% 16% 84% 61% 62% 90% 82% 61% 90% 5% 12% 95%




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X X X X X XX X X X X X XX X X X X X X X X XX X X X X X XX X X X X X X XX X X X X XX X X X X X X X X

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X X X XX X X X X X

X X X X X XX X X

X X XX X X X

X X XX X X X

Accounting / Back Office (continued)





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X X X X X X XX X

XX X X X X XX X X X X XX X X X X X X X X

X X X X X XX X X X X X X X XX X X X X XX X X X X X X

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64 28 111 21 54 85 106 4 22 89 32 117 62

46% 20% 79% 15% 39% 61% 76% 3% 16% 64% 23% 84% 44%




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78 27 10 10 6 111 21 59 17 52 27

56% 19% 7% 7% 4% 79% 15% 42% 12% 37% 19%




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53 48 6 41 4 21 7 20 18 20 12 17

38% 34% 4% 29% 3% 15% 5% 14% 13% 14% 9% 12%




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22,469 34.6% 13,010 20.0% 57.9% 4,823 7.4% 21.5% X X X X 7,106 26.3% 3,713 13.7% 52.3% 797 2.9% 11.2% X X X X X 9,147 37.3% 6,861 28.0% 75.0% 1,775 7.2% 19.4% X X X X X 5,249 21.5% 4,577 18.7% 87.2% 834 3.4% 15.9% X X X X X 8,177 37.3% 5,066 23.1% 62.0% 1,026 4.7% 12.5% X X X X 2,066 9.5% 635 2.9% 30.7% 163 0.8% 7.9% X 6,545 30.7% 4,681 21.9% 71.5% 1,222 5.7% 18.7% X X X X 4,707 22.6% 1,995 9.6% 42.4% 831 4.0% 17.7% 6,353 36.5% 4,482 25.8% 70.5% 1,202 6.9% 18.9% X X X X X 3,705 21.7% 3,516 20.6% 94.9% 768 4.5% 20.7% X 4,422 26.4% 2,598 15.5% 58.8% 1,197 7.1% 27.1% X X X 3,882 23.6% 2,206 13.4% 56.8% 957 5.8% 24.7% X 4,802 29.7% 3,258 20.2% 67.8% 841 5.2% 17.5% X 4,589 28.8% 2,853 17.9% 62.2% 316 2.0% 6.9% X X X X X 3,267 21.6% 1,340 8.9% 41.0% 595 3.9% 18.2% X X X X X 3,612 23.9% 3,672 24.3% 101.7% 619 4.1% 17.1% X X X X X 3,775 25.3% 1,361 9.1% 36.1% X X 4,380 29.4% 6,601 44.3% 150.7% 537 3.6% 12.3% X X X 2,521 17.0% 977 6.6% 38.8% 566 3.8% 22.5% X X X 3,147 21.5% 1,894 12.9% 60.2% 1,042 7.1% 33.1% X X X X 3,880 26.5% 3,761 25.7% 96.9% 1,185 8.1% 30.5% X X X 3,949 27.7% 1,937 13.6% 49.1% 594 4.2% 15.0% X X X 4,093 29.1% 4,027 28.7% 98.4% 1,748 12.4% 42.7% X X X 3,916 28.1% 2,254 16.2% 57.6% 706 5.1% 18.0% X X X X 2,805 20.4% 1,415 10.3% 50.4% 461 3.4% 16.4% X X 4,684 34.6% 3,522 26.0% 75.2% 1,305 9.6% 27.9% X 3,048 23.4% 2,460 18.9% 80.7% 647 5.0% 21.2% X X X X 3,285 26.0% 2,064 16.3% 62.8% 557 4.4% 17.0% X X X X 3,848 31.3% 2,873 23.4% 74.7% 526 4.3% 13.7% X X X X 2,521 21.4% 2,645 22.5% 104.9% 508 4.3% 20.2% X X X X 3,650 31.1% 2,033 17.3% 55.7% 880 7.5% 24.1% X X 1,784 15.4% 773 6.7% 43.3% 264 2.3% 14.8% X X X X 4,288 38.0% 5,529 48.9% 128.9% 474 4.2% 11.1% X X 2,723 24.1% 1,460 12.9% 53.6% 289 2.6% 10.6% X X 2,427 21.8% 1,346 12.1% 55.5% 408 3.7% 16.8% X X X X 3,168 28.4% 2,762 24.8% 87.2% 467 4.2% 14.7% X X X 2,742 24.7% 884 8.0% 32.2% X X X 2,493 22.9% 2,249 20.7% 90.2% 339 3.1% 13.6% X X X X X 3,696 34.2% 3,684 34.1% 99.7% 1,014 9.4% 27.4% X X X X X 2,775 25.9% 1,780 16.6% 64.1% 304 2.8% 11.0% X X X X 4,001 38.1% 4,230 40.3% 105.7% 758 7.2% 18.9% X X X X 2,022 19.3% 953 9.1% 47.1% 156 1.5% 7.7% X X 2,193 21.3% 1,112 10.8% 50.7% 161 1.6% 7.3% X X X X X 2,162 21.1% 664 6.5% 30.7% X X X 1,648 16.3% 606 6.0% 36.8% 192 1.9% 11.7% X 1,837 19.0% 783 8.1% 42.6% X 2,807 29.5% 970 10.2% 34.6% 335 3.5% 11.9% X X X

2,462 26.4% 2,321 24.9% 94.3% 628 6.7% 25.5% X 3,643 39.9% 2,092 22.9% 57.4% 468 5.1% 12.8% X X X X 2,661 29.3% 900 9.9% 33.8% 326 3.6% 12.3% X 3,571 40.1% 3,146 35.3% 88.1% 569 6.4% 15.9% X X X X 1,636 18.4% 418 4.7% 25.6% 239 2.7% 14.6% X X X 1,703 19.3% 754 8.5% 44.3% 184 2.1% 10.8% X 2,716 31.1% 1,846 21.2% 68.0% 364 4.2% 13.4% X X X 2,499 29.4% 2,086 24.6% 83.5% 391 4.6% 15.6% X X X X 3,040 36.2% 2,092 24.9% 68.8% 652 7.8% 21.4% X X 1,702 20.3% 1,045 12.5% 61.4% 232 2.8% 13.6% X X X X X 1,339 16.1% 533 6.4% 39.8% 84 1.0% 6.3% X 1,019 12.4% 389 4.7% 38.2% 70 0.8% 6.9% X X X 2,835 36.2% 2,789 35.6% 98.4% 279 3.6% 9.8% X X 1,936 24.8% 1,128 14.4% 58.3% 244 3.1% 12.6% X X X X X 2,180 28.4% 1,473 19.2% 67.6% 274 3.6% 12.6% X X X X 1,783 23.4% 1,370 18.0% 76.8% 246 3.2% 13.8% X X X 1,359 17.9% 934 12.3% 68.7% 203 2.7% 14.9% X X 1,379 18.3% 964 12.8% 69.9% 515 6.8% 37.3% X X 2,267 30.1% 3,536 47.0% 156.0% X X X X 1,329 17.9% 2,371 32.0% 178.4% 172 2.3% 12.9% X X X X 868 11.9% 393 5.4% 45.3% X X X X 1,605 22.0% 605 8.3% 37.7% 124 1.7% 7.7% X X X 1,923 26.4% 1,152 15.8% 59.9% 223 3.1% 11.6% X X 1,383 19.4% 581 8.2% 42.0% 54 0.8% 3.9% X 2,134 32.6% 1,291 19.8% 60.5% 372 5.7% 17.4% X X 287 4.5% 99 1.5% 34.5% 30 0.5% 10.5% X 423 6.7% 82 1.3% 19.4% X 1,322 20.9% 918 14.5% 69.4% X

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1,450 23.2% 1,193 19.1% 82.3% 120 1.9% 8.3% X X 2,477 39.7% 3,166 50.8% 127.8% 99 1.6% 4.0% 1,782 29.0% 1,183 19.2% 66.4% 315 5.1% 17.7% 751 12.3% 539 8.8% 71.8% 168 2.7% 22.4% X X X X X 1,198 20.3% 544 9.2% 45.4% X X 1,437 24.6% 645 11.0% 44.9% 425 7.3% 29.6% X X X X 1,167 20.0% 206 3.5% 17.7% 128 2.2% 11.0% X X X 1,925 33.1% 1,214 20.9% 63.1% 336 5.8% 17.5% X X X 903 16.4% 365 6.6% 40.4% 107 1.9% 11.8% X 650 12.2% 99 1.9% 15.2% 34 0.6% 5.2% X X X X 595 11.2% 984 18.5% 165.4% X X X 1,321 25.3% 1,059 20.2% 80.2% 123 2.4% 9.3% X X X X 1,294 26.7% 531 11.0% 41.0% X X X X 1,438 30.2% 1,290 27.1% 89.7% 280 5.9% 19.5% X X X X X 1,160 24.7% 629 13.4% 54.2% 261 5.6% 22.5% X X X X X 846 18.2% 33 0.7% 3.9% X X X X X 1,292 28.4% 974 21.4% 75.4% 94 2.1% 7.3% X X X 1,375 30.5% 4,228 93.7% 307.5% X X X X 701 15.5% 96 2.1% 13.7% X 1,360 30.6% 763 17.2% 56.1% 335 7.5% 24.6% X X X X X 928 21.2% 623 14.2% 67.1% 47 1.1% 5.1% X X 1,545 35.3% 994 22.7% 64.3% 261 6.0% 16.9% 320 7.6% 135 3.2% 42.2% 114 2.7% 35.6% X 1,204 28.6% 686 16.3% 57.0% 135 3.2% 11.2% X X X 1,102 26.7% 790 19.1% 71.7% X X X X 1,190 30.3% 829 21.1% 69.7% 179 4.6% 15.0% X 1,113 29.9% 931 25.0% 83.6% 268 7.2% 24.1% X X X 757 21.8% 59 1.7% 7.8% X 757 21.9% 487 14.1% 64.3% 126 3.6% 16.6% 599 17.7% 282 8.3% 47.1% 52 1.5% 8.7% X X X 1,202 35.9% 601 18.0% 50.0% 182 5.4% 15.1% X X X X X 900 27.0% 763 22.9% 84.8% 82 2.5% 9.1% X X X 317 9.7% 53 1.6% 16.7% 818 25.1% 336 10.3% 41.1% 64 2.0% 7.8% X X X 956 29.6% 592 18.3% 61.9% 112 3.5% 11.7% X X X X X 631 19.9% 133 4.2% 21.1% X X X 1,023 33.6% 839 27.5% 82.0% 135 4.4% 13.2% X X 520 17.1% 276 9.1% 53.1% X X X X 742 25.5% 414 14.3% 55.8% 106 3.6% 14.3% X X X 864 30.3% 326 11.4% 37.7% 254 8.9% 29.4% X X 539 21.2% 348 13.7% 64.6% 31 1.2% 5.8% X X X 623 24.7% 177 7.0% 28.4% X X X X 626 25.9% 205 8.5% 32.7% 143 5.9% 22.8% X X X X 366 15.6% 93 4.0% 25.4% 31 1.3% 8.5% X 757 32.6% 165 7.1% 21.8% 140 6.0% 18.5% X 500 22.3% 207 9.2% 41.4% 30 1.3% 6.0% X X X 377 17.2% 92 4.2% 24.4% 160 7.6% 50 2.4% 31.3% X X X 742 38.4% 395 20.5% 53.2% 449 23.9% 140 7.5% 31.2% 64 3.4% 14.3% X 697 37.7% 713 38.6% 102.3% 115 6.2% 16.5% X X X 517 28.2% 166 9.1% 32.1% X X 92 5.1% X 522 29.7% 429 24.4% 82.2% 97 5.5% 18.6% X X X X X 526 31.7% 490 29.5% 93.2% 72 4.3% 13.7% X X X 251 15.2% 186 11.3% 74.1% 25 1.5% 10.0% X 318 19.9% 108 6.8% 34.0% 33 2.1% 10.4% 901 68.1% 345 26.1% 38.3% 153 11.6% 17.0% X X 272 20.6% 430 35.5% 195 16.1% 45.3% 42 3.5% 9.8% X X X 138 14.7% 26 2.8% 18.8% X X X

X X X X X 3 1.5% 0.0% 0.0% X

301,786 25.6% 205,612 17.4% 68.1% 47,438 4.0% 15.7% 89 109 70 39 77

98% 94% 80% 64% 78% 50% 28% 55%




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Electronic Services (continued)





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Electronic Services (continued)

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Transcript of How Your Credit Union Peers Use Key CU*Asterisk Tools ...126 Isabella Community CU Jay Anders,...