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Ohio Credit Union League Above and Beyond eNewsletter -- December 2010

2010 Ohio CU Foundation impact report

Get the recognition your CU deserves

Help members gain control of their financial futures

Brush off your financial education line-up

Technology provides new spin on CU favorite

Peer-to-peer teaching has never been hipper

Report your efforts for public sharing, differentiating

Upcoming Professional Development Opportunities

 
2010 Ohio CU Foundation impact report
Through 39 grants, as of Nov. 30, the Ohio Credit Union Foundation has supported educational and outreach initiatives that strengthened Ohio’s credit unions and communities by empowering individuals to improve their financial well-being. Read below the impact the Foundation had in 2010, thanks to the generosity of Ohio credit unions, individuals, chapters, and business partners. And, the Foundation’s last grantmaking cycle of 2010 is not yet over, so more industry-differentiating programs that raise awareness of credit unions and improve lives will be funded yet this year.

 
Financial Education and Outreach Grants
For community education ventures that fulfill the social responsibility obligations of credit unions and chapters
7 grants, totaling $54,000
 CODE CU and Sun Center FCU for student-run credit unions, impacting 3,146 students
Fiberglas FCU, Harvest FCU, and ProMedica FCU for enhancements and supplies for two reality day programs, educating more than 1,000 students
Production of the national PBS TV show Biz Kid$, reaching 97% of the nation’s public television markets
 
Professional Development Grants
For state and national training for credit union staff and volunteers
24 grants, totaling $33,000
Credit union advocacy
Leadership development
Lending, collections, and compliance expertise
 
Student Scholarships
For statewide winners of local chapter scholarship contests
5 student scholarships, totaling $12,500

Helping students seek higher education at Duquesne University, Ohio University, The Ohio State University, The University of Toledo, and University of Indianapolis
 
Disaster Relief Grants
For international, national, and state credit union communities in need
3 grants, totaling more than $24,000

Providing assistance following the Haitian and Chilean earthquakes, and Northwest Ohio tornado


“We greatly appreciate the generosity of current supporters, and ask past Foundation grant recipients to consider paying it forward by making a contribution or Community Investment Fund deposit,” said Executive Director Becky Hart. “Your support makes a difference, and
helps credit unions receive cutting-edge training, educate consumers about wise money management, serve low- to modest-income individuals ignored by other financial institutions, open in-school branches, and get disaster victims back on their feet.”

The Foundation aims to raise $173,000 in 2011. The majority of OCUF’s grantmaking funds are donations included with the annual Ohio Credit Union League dues payments, followed by credit union deposits in the Community Investment Fund. Every cent of every contribution goes to grantmaking; no administrative or overhead costs are deducted.

The industry-differentiating programs funded by OCUF grants help the entire Credit Union Movement by raising awareness of credit unions and improving lives. A final summary of the Foundation’s 2010 grants will be included in the annual report, which will be distributed this spring.

 

 
Get the recognition your CU deserves
Join the statewide credit union branding campaign, REAL Solutions, to meaningfully differentiate Ohio’s credit unions through evidence of service. Like most Ohio credit unions, you’re most likely already offering products and services to people of modest means and low wealth, which would define you as a “REAL Solutions” credit union. You’re not being asked to take on “one more thing,” but simply to work with the League and credit unions statewide and nationally to brand these products and services as “real solutions for real people.”

Credit unions that join the campaign incorporate REAL Solutions as a companion to their existing brand identities and receive free training on proven credit union products and services. They will also be part of a national effort to collect statistical data and tangible evidence to protect credit unions' nonprofit status. Additionally, participating credit unions can take advantage of the REAL Solutions Financial Counseling Certification Program for a modest fee, and receive discounts on a variety of League events.

In 2011, the REAL Solutions campaign will focus on second-chance checking and credit programs, loans to individuals with C and D paper, and youth initiatives such as student-run credit unions. Learn more about this exciting initiative; contact League REAL Solutions Manager Laura Busque at (800) 486-2917, ext. 227, or
lbusque@ohiocul.org, or visit the official website below.
www.ohiocreditunions.org/REALSolutions.htm



Help members gain control of their financial futures
Individuals interested in obtaining the Credit Union Certified Financial Counselor designation now have a chance to do so without national travel or going it alone. The National Credit Union Foundation and Credit Union National Association have partnered to offer REAL Solution credit unions an opportunity to complete the Certified Financial Counselor School via eight webinars and two in-state meetings, which include the proctored exams. The training is designed for credit union staff who work in the financial counseling, collections, and loan departments, or others who are committed to helping members reach their financial goals. Ohio’s Certified Financial Counselor School will launch in April and details will be posted on the League’s REAL Solutions webpage. Learn more about the training's curriculum at the link below.
www.cuna.org/training/self_study/cuficep.html
 
 

Brush off your financial education line-up
With school in session, now is the perfect time to spruce up your credit unions' financial educational line-up by honing in on your target audiences’ communication and learning preferences.

First, consider the way you approach the subject matter. Catch and retain students’ attention with dynamic presentations that highlight the success savvy money management yields. Second, consider tweaking your delivery method. If you are doing 90% of the talking, you may be missing an opportunity to engage and dialogue with your audience. Students are eager to learn about financial matters, but find traditional instructional methods boring. Incorporating real-world scenarios and hands-on experiences allow students to experience the skills being taught and see how it can improve their futures. Update classroom presentations by using modern financial terms familiar to the current generation, such as “spending plan" instead of "budget." Swapping a few words can easily breathe life into any presentation.

For more inspiration, check out the following financial education resources.

MoneyAndStuff
Free financial education lesson plans and presentations, a blueprint for hosting a “reality day,” and activities/games to enhance the efforts of educators, parents, and credit unions. MoneyAndStuff.info is a service of the Ohio Credit Union League on behalf of Ohio's credit unions.
www.MoneyAndStuff.info
FoolProof
FoolProof is an online financial literacy tool that enables credit unions to reach large audiences, without taxing staff, to provide members with crucial information on financial issues that impact their wallets. FoolProof is licensing its programs for free to all Ohio Credit Union League-affiliated credit unions with assets of $10 million or less. Highly-affordable packages are available for larger credit unions.
 
www.foolproofnational.com/ohiocul/
National Endowment for Financial Education (NEFE)
Free financial information for high school students, educators, and consumers.
www.nefe.org/
brass|MAGAZINE
A lifestyle magazine that supplies young adults with direct, intelligent, entertaining content about the money side of life.
www.brassmagazine.com/


Technology provides new spin on CU favorite
An online version of the popular “reality day” financial education event was launched by the Credit Union National Association and Wisconsin Credit Union League. Money Mission, a web-based simulation game, opens the eyes of older teenagers to the fundamentals of wise money management. The engaging, competitive online game presents credit unions with a unique opportunity to serve, attract, and establish a relationship with the younger demographic. Money Mission changes how youth members view financial literacy by teaching with animated videos and financial scenarios experienced though customized avatars. If your credit union is interested in making Money Mission available through its website, visit the link below for more information.
www.cuna.org/buy/moneymission/



Peer-to-peer teaching has never been hipper
A series on budgeting, saving, and spending decisions has been added to the FoolProof for High Schools program, and is available to all FoolProof credit unions at no additional cost. The new "Burning Money" series contains dozens of videos and interactive exercises that culminate with a virtual reality day experience. Playing the game may be easier than it sounds for some students as they attempt to put their new-found financial knowledge to the test. Winners must create and maintain a budget, make good buying decisions, and end the game with a positive balance. FoolProof's High School curriculum meets national financial literacy standards, exclusively features young people, and includes teacher guides. The program is free for credit unions with assets of $10 million or less. Reasonably-priced packages are available for credit unions that do not qualify for the discounted rate.
www.foolproofnational.com/ohiocul/



Report your efforts for public sharing, differentiating
An online platform from the National Youth Involvement Board (NYIB) enables credit union professionals to report their financial education presentations, in an effort to promote credit unions’ collective financial education efforts. Report any presentations that focus on financially empowerment youth under the age of 25. Presentations can be conducted in a broad range of settings, including a traditional classroom, scout troop meeting, community groups, etc. In addition to demonstrating the credit union difference, the collected information is used by national and state legislators to fight for mandated financial literacy programs in schools. Ohio Catholic FCU in Cleveland is currently the state’s only credit union reporting its financial education efforts. NYIB aims to triple its current national reporting figure of 137 credit unions by July 1. To report your presentations, or learn more about available NYIB resources, visit the link below.
www.nyib.org



Upcoming professional development opportunities
Professional development grants from the Ohio Credit Union Foundation can be used for an array of educational programs, including conferences, seminars, workshops, webinars, eSchools, and self-study programs. If you are interested in applying for an educational scholarship, visit the Foundation Web site at www.OhioCreditUnionFoundation.org for applications and scholarship information, or contact Ohio Credit Union League REAL Solutions Manager Laura Busque at (800) 486-2917, ext. 227, or lbusque@ohiocul.org.

IRA Workshops: Essentials & Advanced
March 16-17 -- Columbus, OH
Build a basic knowledge or expand your expertise; develop your IRA knowledge and provide top-notch service to your credit union's members.
2011 Annual Convention & Expo
April 5-6 -- Columbus, OH
Invest 48 hours of your time and return to your credit union recharged and ready to lead the credit union to future success. Join other credit union leaders for the state’s best education, networking, and advocacy opportunity.
NCUF Development Education Training
(Louise McCarren Herring Credit Union Development Education Scholarship available)
April 6-13 -- Madison, WI

Experience the innovative training that focuses on the relevance of “People Helping People.” Gain a clearer understanding of how credit unions can improve lives on a local, national, and global level.
Regulatory Compliance School: Introduction and Update
May 1-6 -- Henderson, NV
Sept. 11-15 -- Boston, MA

Attendees will receive a complete set of six Credit Union National Association Regulatory Compliance Training & Certification Program Level 2 modules for use as ongoing reference guides. Testing is also available for students interested in achieving the designation of Credit Union Compliance Expert.
NEW: OCUL Ohio Volunteer Conference
June 16-18 -- Sandusky, OH
Specifically tailored for volunteers, this networking and training opportunity will dissect the top issues affecting credit unions.
CUNA Management School: Part I and II
(Jacquie Fisher Scholarship available)
July 10-22 -- Madison, WI

Develop your leadership abilities with a rigorous blend of university classes and experiential learning activities focused on attaining senior-level management positions in the credit union system.
America’s Credit Union Conference & Expo
July 19-22 -- San Antonio, TX
Join credit union leaders from across the country to gain the ideas, inspiration, and confidence to propel your credit union to new heights.
National Youth Involvement Conference
July 25-28 -- Pittsburgh, PA
Return to your credit union with resources to teach young people good money management skills and insight into reaching to today's most critical market.
Financial Management School: Part I and II
(Jacquie Fisher Scholarship available from OCUF) 
Aug. 14-19 -- Boston, MA

Gain a thorough understanding of the financial side of your credit union so you make informed decisions to improve your credit union's performance.
Volunteer Certification School
September 25-30 -- Tempe, AZ
Volunteers explore the philosophical and financial topics needed to strengthen their decision-making responsibilities.
Community Credit Union and Growth Conference
Oct. 24-27 -- San Francisco, CA
Explore ways your credit union can thrive and serve more members, including the young, ethnic, and underserved. Learn how to make a strong impact in your community and build a better tomorrow.
Regulatory Compliance Update
Oct. 19 -- Columbus, OH
Stay up-to-date on the most recent regulatory compliance changes.
   

Get your own copy of
Above and Beyond
If you've received this eNewsletter from a colleague and would like to receive your own copy, simply request to be added to the distribution list. E-mail League REAL Solutions Manager Laura Busque at lbusque@ohiocul.org and let her know you'd like to receive Above and Beyond.
 
 
2010 Community Investment Fund Participants
Thanks to the following credit unions and support organizations for their CIF investments through Nov. 30. Every investment helps support educational and outreach initiatives that promote financial independence through credit unions.

Associated School ECU
AurGroup Financial CU
Bay Area CU
BMI FCU
Buckeye State CU
Burger FCU
Butler Heritage FCU
Cardinal Community CU
Cincinnati Central CU
Cincinnati Police FCU
Classic FCU
Clyde-Findlay Area CU
CME FCU
Communicating Arts CU
Community United CU
Corporate One FCU
Credit Union Outreach Solutions, Inc.
Day Air CU
Dayton Firefighters FCU
Directions CU
Dover-Phila FCU
Education First CU
Faith Community United CU
Fiberglas FCU
Firefighters Community CU
FirstDay Financial FCU
Genesis ECU
Glass City FCU
GROhio Community CU
Harvest FCU
Hopewell FCU
Jeep Country FCU
Kemba CU
KEMBA Financial CU
Kent CU
Kyger Creek CU
Mercy Health Partners FCU
Midwest Community FCU
Millstream Area CU
Ohio CU Foundation
Ohio University CU
Parish FCU
River Valley CU
Sharefax CU
State Highway Patrol
Superior FCU
Taleris CU
TeleCommunity CU
The Ohio Educational CU
Toledo Postal ECU
TopMark FCU
Total Assurance FCU
TPS CU
Tuscarawas Schools CU
Universal 1 CU
Vacationland FCU
Western CU
Wright-Patt CU




2010 Ohio Credit Union Foundation Contributors
Thanks to the following credit unions and business partners for their 2010 contributions to the Ohio Credit Union Foundation, as of Nov. 30. Their generous contributions are used by the Foundation to support educational and outreach initiatives that promote financial independence through credit unions.

Credit Union & Business Partner Contributors
Philanthropist ($5,000 and up)
CUNA Mutual Group
Ohio Credit Union League
OCUL Services Corporation

Patron ($2,500 to $4,999)
CSE FCU
Day Air CU
Firestone FCU

Friend ($1,000 to $2,499)
Associated School ECU
AurGroup Financial CU
Cardinal Community CU
CES CU
Chaco CU
Cincinnati Central CU
Cincinnati Police FCU
Cintel FCU
Cleveland Chapter
Community United CU
Credit Union of Ohio
Credit Union Student Choice
Education First CU
First Ohio CU
FirstDay Financial FCU
FirstEnergy Family CU
GenFed FCU
Investors Title Insurance Company
Midwest Community FCU
Ohio Catholic FCU
Ohio HealthCare FCU
Ohio Valley Community CU
River Valley CU
School Emp Lorain Co CU
Sharefax CU
Summit Chapter
Taleris Credit Union
The Ohio Educational CU
VacationLand FCU
Western Buckeye Chapter

Supporter ($500 to $999)
Allied Solutions, LLC
AP FCU
ATM Solutions, Inc.
Bay Area CU
Champion CU
Communicating Arts CU
Community First CU
Community Star CU
CU*Answers
Directions CU
Eaton Family CU
Jeep Country FCU
Keith D. Weiner & Associates Co.
Kent CU
Lakeview FCU
Libbey FCU
Marion Community CU
Medina County FCU
Members First CU
Millstream Area CU
myCUmortgage
Northeast Chapter
Northwest Chapter
Ohio Edison/Penn Power CU
ProMedica FCU
Quest FCU
Riverview CU
State Highway Patrol FCU
State Transportation ECU
Sun Center FCU
The Massillon Area CU
TPS CU
TRINITY Debt Management
Unity Catholic FCU

Donor (Up to $499)
540 IBEW CU
ACME FCU
Aimbridge Indirect Lending
AllWealth FCU
American Share Insurance
Ashland University
Ashtabula City EFCU
Athena Credit Union
Bailey Controls FCU
Bardes EFCU
Bethel Community FCU
Brewster Federal Credit Union
Burger FCU
Burgess & Niple ECU
Butler County Chapter
Butler Heritage FCU
C.C.C. Van Wert CU
CANDO CU
Canton Police & Firemen's CU
Central Ohio Community CU
Chagrin Falls School EFCU
Champion FCU
Children's Medical Center FCU
Chivaho FCU
Cincinnati Chapter
Cincinnati Interagency FCU
Civil Service Employee Assn CU
Classic FCU
Columbiana County School ECU
Commodore Perry FCU
Co-Op Toledo CU
Cory Methodist Church CU
Coshocton FCU
Credit Union 24
Credit Union One
Cuyahoga Falls Municipal ECU
Dairy Pak ECU
Dillonvale FCU
Dolphin Debt Access, LLC
Dynamic FCU
East Ohio Gas Yo Division EFCU
Edison CU
Eight FCU
Faith Community United CU
Financial Northeastern Companies
First Choice CU
First Miami Univ. Student & Alumni FCU
Franklin County School EFCU
Freimark & Associates, Inc.
Genesis ECU
Girard CU
Globe Industries ECU
Goodyear ECU
Great American Insurance Group
Greater Abyssinia FCU
Hamilton County School ECU
Heekin Can ECU
Hungarian Ref. Church SBS FCU
Industrial Distributors FCU
Kennametal Orwell EFCU
KRATON Belpre FCU
Kyger Creek CU
L.C.E. FCU
Lakewood Fire Fighters CU
Lane Metropolitan CME CU
Latvian Cleveland CU
Lima Ohio Postal EFCU
Local 50 Plumbers/Steamftrs FCU
Local Union 392 FCU
MAI Services Corporation
Marysville Goodyear EFCU
Maumee Educators FCU
Mercy Health Partners FCU
Middletown Area Schools CU
Minerva Area FCU
Monarch FCU
Morrow County FCU
Motorists Insurance ECU
Nickel Steel FCU
NoteWorthy FCU
OARDC ECU
OCUL Board of Directors
ODJFS FCU
Ohio Operating Engineers FCU
Painesville CU
Parish FCU
PEF FCU
Port Conneaut FCU
Producers ECU
Public Library ECU
Rocky River School EFCU
RTA Brooklyn FCU
RTA Hayden FCU
S & J School EFCU
S.T.O.F.F.E. FCU
SCFE CU
Scott Associates CU
SF & M ECU
Sherwil CU
Shiloh Baptist Church FCU
Softite Community FCU
Solon School EFCU
Sorg-Bay West FCU
Southeastern Ohio CU
St Helen FCU
St Julie Billiart FCU
St Luke's Parish FCU
St Paul's Parish FCU
St Therese/SS Peter & Paul FCU
Stark Metro. Hous. Auth. FCU
Steel Valley FCU
Struthers FCU
Sts Margaret & Gregory FCU
Sugardale CU Inc
Support Financial Resources
Support Insurance Systems Agency Inc.
The Sheeter Group, LLC
The Way CU
Toledo Police FCU
Toledo Urban FCU
TopMark FCU
Total Assurance FCU
Trailview FCU
Tri-County CU
Tuscarawas Schools CU
UAP EFCU
Union Of Poles In America CU
United Telephone CU
Universal Creative Concepts
UTU FCU
Valley Council CU Inc
Valley One Community FCU
Wayne County Community FCU
Weltman, Weinberg & Reis Co.
West Holmes School ECU
West Stark Community FCU
Western Region FCU
Wilberforce University FCU
Wiremen's CU
Wright-Dunbar Area CU
Yorkville Community FCU
YS FCU


Individual Contributors
Patron ($500 to $999)
Stan Barnes
Becky Hart
William Herring
Paul Mercer
Tim Mislansky

Friend ($250 to $499)
Lee Butke
Dave Cottone
Jill Cottone
Wade Goheen
Kathy Kanipe
Joshua Reams

Supporter ($100 to $249)
Marty Auxter
Vicky Blackorby
Sonja Delaney
Cheryl Dorman
John Florian
Tom Furrey
Jean Kellerbauer
Sandra McCormick
Barry Shaner
Dave Shoup
Barbara Winger
Juanita L. Zunk

Donor (Up to $99)
Angela Baldwin
Laura Busque
Danielle Davis
Dianne Easterday
Diane Faris
Julie Gee
Lori George
William Hann
Shawn Kessinger
Diane Kuenzel
Julie Linch
Juliana Maneno
Carole McCallister
Martha McCarthy
Chris Predieri
Barbara Robers
Elaine Schwind
David Seeger
Lynn Siler
Danise Spencer
Katie Walton