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first_imgYour credit union’s culture is badA bad culture can kill any type of company – including your credit union.  One of the most prevalent things we see is a lack of communication in credit unions.  Whether it is letting your employees know about upcoming marketing initiatives or making sure important things are communicated effectively, communication goes a LONG way in improving a credit union’s culture, thus benefiting the marketing.   Brand experience doesn’t matchYour brand is not just your logo or your sign or your website.  While these elements are extremely important, a huge part of your brand is how others perceive your credit union.  If potential members are attracted by your marketing enough to take action and they call or come into your office and aren’t welcomed or your branch branding doesn’t match the marketing, the disconnect can cause people to distrust your brand. Here’s a tale of two credit unions.  Both are of equal size, with equal ROA, and equal lending/membership trends.  They have similar fields of membership in similar communities.  They are doing very similar things from a marketing standpoint.  But here’s the catch…Credit Union A’s marketing is really successful, but Credit Union B’s marketing is not getting many results.  How could that be?I regularly see situations like this.  Your credit union’s marketing efforts can be super beautiful with great messaging, a great brand story, and a great call to action.  So why is it not working?  Here are a few big things that significantly decrease the success of your marketing efforts:Your websiteWebsites should not be treated as a digital brochure.  Your credit union’s website is the online version of your branch experience.  It should be interactive, informative, easy to use, and in line with the rest of your brand experience – including your credit union’s marketing efforts.  If the marketing pieces/communications your members and/or potential members are seeing attract them to your website, make sure your website is on-brand as well.  If the marketing is well-executed but your website looks like something from 1997, it could cause you to lose business.    Not following the marketing planYour plan and corresponding budget may be approved, but if your credit union isn’t executing it or sticking to the strategy, marketing becomes stagnant and reactionary.  Be sure to give your marketing time to work and, if it isn’t working according to your projections, make adjustments to messaging, delivery channels, and budget.  Don’t just give up.  Like John F. Kennedy said, “There are risks and costs to action. But they are far less than the long-range risks of comfortable inaction.”  center_img 20SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Amanda Thomas Amanda is founder and president of TwoScore, a firm that channels her passion for the credit union mission and people to help credit unions under $100 million in assets reach … Web: www.twoscore.com Details Not making marketing a regular priorityWhile human resources, compliance and many other areas of your credit union have lawful requirements that need regular attention, marketing should also be something to which regular commitment is made.  From taking time to talk with your front-line employees about current initiatives to planning for the future, the more preparation and time you devote to marketing, the more successful your efforts will become.last_img read more

first_imgCategories: Letters to the Editor, OpinionChartock needs to follow his own adviceIn its bellicose tone, Alan Chartock’s recent column accusing “progressives” of causing division in the Democratic Party ironically demonstrated the very faults he was criticizing. In a troubling attack on Congresswoman Ilhan Omar, he refers to comments she made regarding the Israeli lobby as “…what many people are calling anti-Semitic tropes and not for the first time.” Regrettably, he leaves unresolved the essential issue of whether Ms. Omar is simply guilty of a poorly worded comment that was subject to exploitation by her critics or whether she is actually an anti-Semite.Mr. Chartock is too adroit an observer of the media to miss that this will simply contribute to the suspicion that Ms. Omar is, in fact, an anti-Semite and fuel the divisions he laments. Include all $2.5B for water infrastructureIt’s easy to ignore the hundred-year-old water pipes running beneath our feet, out of sight, out of mind.But these pipes are corroding, and they’re increasingly a threat to the safety of our drinking water. When pipes burst, dangerous contaminants can enter the water that flows to your kitchen tap. Plus, water main breaks frequently damage streets and shutter businesses, harming the economic potential of our communities.As plumbers and pipefitters, we’re in the business of making water flow, and we’re eager to get to work to fix our pipes and protect clean water. But we need the state government as a partner.  I applaud their leadership to make this project happen for our community.Weber and McGraw are exactly the kind of collaborative leaders our community needs.Dede HildrethNiskayuna If Ms. Omar is an anti-Semite, she deserves the harshest condemnation. If, on the other hand, she is simply guilty of language that could be exploited, then it deserves a more measured response by him.The distinction is not trivial.If she is not an anti-Semite, then in the interest of unity and civility, he should caution her critics from making intemperate attacks, while urging her to show more care in crafting her public statements.  I would urge Mr. Chartock to follow his own dictums and more carefully craft his own language to set an example of how unity can be achieved.John KaufmannSaratoga Springs It can provide the grant funding that is critical to jump-start local infrastructure projects.The state Senate and Assembly recently announced their budget proposals for the coming year.Budgets reflect values and priorities, and the Senate led the way by stating loud and clear that water infrastructure can’t be a back-burner issue.Its multi-year, $2.5 billion investment in clean water grants will best help our union members tackle New York’s enormous, $80 billion need.But the $2.5 billion isn’t a sure thing. Budget negotiations are happening right now, and clean water funding might be cut before the final budget is signed and delivered on April 1.I urge Assembly Speaker Carl Heastie, and Senate Majority Leader Andrea Stewart-Cousins help ensure the full $2.5 billion makes it across the finish line.Frank NataliRotterdam The writer is a business agent with Plumbers and Steamfitters Local 7. Grateful for effort to improve Nisky parkAs a longtime resident of Niskayuna, I want to express my sincere gratitude to town Councilwomen Lisa Weber and Denise Murphy McGraw for their efforts to bring about a plan to improve one of our community’s jewels, River Road Park.According to news reports, Lisa Weber and Denise Murphy McGraw worked with Assemblyman Phil Steck, Niskayuna Softball, town department heads and residents to come up with a plan and funds to address much-needed improvements to drainage, parking, paths, and recreational activities in that park. More from The Daily Gazette:Gov. Andrew Cuomo’s press conference for Sunday, Oct. 18EDITORIAL: Beware of voter intimidationEDITORIAL: Thruway tax unfair to working motoristsFoss: Should main downtown branch of the Schenectady County Public Library reopen?Cuomo calls for clarity on administering vaccinelast_img read more

first_img 26. Pittsburgh Steelers, 0-3 (25)With the Browns now playing well and the Ravens still formidable offensively, the Steelers are pretty much toast in the AFC North if they don’t come through with a win Monday night.27. Cincinnati Bengals, 0-4 (29)With the Browns now playing well and the Ravens still formidable offensively, the Bengals are pretty much toast in the AFC North if they don’t come through with a win Monday night.28. Arizona Cardinals, 0-3-1 (27)Kyler Murray continues his roller-coaster ride of running and passing, and the defense continues have similar ups and downs without Patrick Peterson. Kliff Kingsbury still has a lot of work ahead of him.29. Denver Broncos, 0-4 (28)Vic Fangio got his defense to produce sacks against the Jaguars, but the Broncos still are not making impact plays or getting takeaways, and their anemic offense can’t put away teams, either. This is uglier than expected for John Elway.30. Washington Redskins, 0-4 (30)Jay Gruden was forced into a quarterback switch to Dwayne Haskins. He probably won’t be the coach who will see through the struggling rookie’s development in Year 2. 16. Indianapolis Colts, 2-2 (11)The Colts take a tumble here after a bad home loss to the Raiders in which they simply made too many mistakes. That’s bad timing with a trip to Kansas City coming Sunday night.17. Los Angeles Chargers, 2-2 (17)The Chargers did what they needed to do in Miami, even with their slew of offensive injuries. There’s some optimism now on that side of the ball with Melvin Gordon set to play.18. Carolina Panthers, 2-2 (20)Kyle Allen had a rough go at Houston, but he is fortunate to have Christian McCaffrey there to run and catch him out of any jam. Ron Rivera’s impact on the defense has manifested itself over past two weeks.19. Houston Texans, 2-2 (13)What’s up with Bill O’Brien’s offense? He somehow has become too reliant on Deshaun Watson to run around and do everything, even when it’s not there. That doesn’t bode well for his job security.20. Tampa Bay Buccaneers, 2-2 (24)The Buccaneers are a tricky team to figure out. They threw away games against the 49ers and Giants, and their defense stamped victories against the Panthers and Rams. The bottom line: Bruce Arians is starting to get through to Jameis Winston, and Todd Bowles has gotten through to defensive player of the year leader Shaq Barrett and the defense. The Jets got out of last place in the AFC East because they didn’t play. Now they get to play the Eagles, Cowboys and Patriots in consecutive weeks.32. Miami Dolphins, 0-4 (32)The Dolphins have been showing a little more offensive life with Josh Rosen, but their defense remains incapable of providing much resistance to anything, even a shorthanded Chargers passing game. Then there’s a baker dozen of teams that are even with 2-2 records. That’s more than 40 percent (13 of 32) of the league, including one entire division in which all teams are tied for both first and last place with that record.WATCH: The best of Week 4 in 60 secondsAfter a week full of upsets, here’s looking at the big shake-up behind New England and Kansas City in Sporting News’ NFL power rankings ahead of Week 5.NFL power rankings1. New England Patriots, 4-0 (previous ranking: 1)The Patriots couldn’t get much done offensively in Buffalo, but they showed their defensive dominance again with their takeaways. They made us remember they can win games with special teams, too.2. Kansas City Chiefs, 4-0 (2)The Chiefs don’t get style points for what they did on the road, either. But in a game where he didn’t have any touchdown passes, dazzling or otherwise, Patrick Mahomes still showed all of his playmaking and toughness in late comeback mode.3. New Orleans Saints, 3-1 (9)The Saints have marched to a couple consecutive victories without Drew Brees because their Patriots-like work on defense and special teams. They already have exceeded expectations in his absence, and Sean Payton is throwing in his name for coach of the year.4. Dallas Cowboys, 3-1 (3)They faced a hostile environment Sunday, and the Saints got revenge after last year’s low-scoring game between the teams. Let’s hope the Cowboys’ throwback to sudden offensive conservatism is an anomaly.5. Green Bay Packers, 3-1 (5)Their run defense continues to be a big concern, as is their rushing attack. But their pass defense and Aaron Rodgers will allow them to recover from a difficult game against a good Eagles team. 11. Baltimore Ravens, 2-2 (8)The Ravens’ defense, not Lamar Jackson and the offense, was the true concern going into the season given all of their lost personnel at linebacker. Cornerback injuries and Earl Thomas’ fade have made things worse. They will need to keep scoring a lot in order to win games; good thing they are capable.12. Minnesota Vikings, 2-2 (7)The Kirk Cousins-led passing game has entered a shell of disappointment, and it’s not entirely the QB’s fault. The team has become too conservative and reliant on Dalvin Cook’s running, but as Adam Thielen kind of said, teams still need to pass well in this passing league. That’s on Mike Zimmer.13. Buffalo Bills, 3-1 (10)The Bills did their best to win a battle of attrition against the Patriots, but their quarterbacks were not up to the task. Now Josh Allen might need to miss some time after that ugly shot to the head.14. Detroit Lions, 2-1-1 (14)The Lions were impressive in pushing the Chiefs at home, but they are still making critical mistakes as a forced running team. They could benefit from opening things up with Matthew Stafford.15. Cleveland Browns, 2-2 (19)Baker Mayfield had his best game yet because he didn’t force the ball downfield to Odell Beckham Jr. and others. Freddie Ktichens also turned things over to his running game and pass defense. To be totally trusted, though, they still need some consistency. 21. Jacksonville Jaguars, 2-2 (21)Gardner Minshew is your early offensive rookie of the year favorite. What a fearless rookie passer, and as we suspected, his play was eventually going to help Leonard Fournette break out in a big way. It’s his team, not Jalen Ramsey’s team.22. Tennessee Titans, 2-2 (22)Marcus Mariota badly needed such a stellar first half in Atlanta. When he gets going like that, it becomes o easy for the Titans to win games with their defense and Derrick Henry closing things out. It just needs to happen more often for them to win the AFC South and for Mariota to stay with the team beyond 2019.23. New York Giants, 2-2 (23)Daniel Jones didn’t play as well in his second start, but he got some real help from Wayne Gallman doing his best Saquon Barkley impression. The Giants’ defense is not as lost as we thought, either.24. Oakland Raiders, 2-2 (26)The Raiders got it done with Derek Carr and Josh Jacobs playing well enough in Indy and with their defense starting to make plays. They will remain pesky on the road with Jon Gruden.25. Atlanta Falcons, 1-3 (18)Dan Quinn has to be feeling the heat, too, with the Panthers and Buccaneers looking much better than the Falcons in the NFC South. The defense remains messy, and the offense remains sloppy. 31. New York Jets, 0-3 (31) And then there were three. After four weeks of the 2019 NFL season, the so-called “quarter pole,” only three undefeated teams remain.The Patriots and Chiefs survived tough road games over the weekend to stay on their collision course for another AFC championship game meeting. The 49ers didn’t lose because they didn’t play anyone during their bye. 6. Los Angeles Rams, 3-1 (4)We’re not sure what to make of the Rams losing to the Buccaneers 55-40. In a week full of shockers, that was the strangest result. Los Angeles’ defense and running game issues are bigger than we thought, and Jared Goff is simply not playing well. The next game, in Seattle on Thursday night, is crucial.7. San Francisco 49ers, 3-0 (6)The 49ers have beaten one surprisingly good team but also two winless ones. They got a nice break in the division with the Rams losing, and if they can beat the Browns this week, we’ll know the only undefeated NFC team is for real.8. Philadelphia Eagles, 2-2 (16)The Eagles had a perfect weekend. They rose to the occasion with their two weaknesses, rushing offense and pass defense, to steal a win in Green Bay. They then sat back and watched the Cowboys lose, making the NFC East as tight as we expected it to be.9. Chicago Bears, 3-1 (15)They won’t have Mitchell Trubisky for a while, but their dominant defense under Chuck Pagano isn’t going anywhere. Frankly, the Bears were the one team that could afford to lose their starting quarterback and still play the same way.10. Seattle Seahawks, 3-1 (12)The Seahawks could have fallen into a desert trap in Arizona after stumbling at home against the Saints. Instead, they made a statement ahead of their Thursday night showdown against the Rams.last_img read more