Do you have a strong strategy? A robust plan of action can be the difference between success and failure for your credit union. In order to thrive in today’s environment, credit unions must go beyond “business as usual” and consider outside perspectives to growth. Learn how to develop innovative ideas you can begin implementing at […]

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In the last three to four years, credit unions have taken a heightened interest in growing noninterest income due to a combination of factors. As interest income dwindles, credit unions need to offset additional expenses such as compliance. Over the past decade, we’ve seen a massive influx of noncredit union centric people coming into the […]

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Credit unions today face many challenges to generating new loans, from regulations, community banks, and new startups and peer to peer lending. At the same time, this new competitive market provides opportunities for those who are willing to act. External growth, including partnerships, investments in CUSOs, and strategic acquisitions, provide a unique way to rapidly […]

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In today’s rapidly changing environment where regulations are evolving, new technology and competitors are challenging traditional models, and members are demanding more from their financial institutions, many credit unions are realizing they must expand beyond business as usual to keep up with demand. Credit unions are increasingly executing strategic acquisitions, partnerships, collaborations, and investments in […]

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Credit unions and CUSOs are using their investing powers to be more innovative and entrepreneurial when it comes to technology and new products and services. Many are exploring co-investing with individuals and business founders who are looking for additional capital from credit unions. While these partnerships between credit union investors and individuals generate fresh new […]

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Should your credit union acquire a bank? If you are looking for new ways to grow, acquiring a bank may be an option for your credit union. Capstone is excited to host a webinar attorney Michael Bell, who pioneered this new approach and continues to help credit unions acquire banks. The webinar will cover the strategy […]

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Are you exploring all your options for growth? When you think about a growing your credit union or CUSO through a “merger” strategy, you may be tempted to focus on consolidation alone. While combining two credit unions can be a pathway to growth, it is important to recognize it is just one of a number […]

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The credit union industry is evolving. While many credit unions are consolidating through credit union mergers, others are seizing creative opportunities such as adopting cloud technology to improve efficiencies, focusing on underserved markets, and using partnerships and strategic mergers and acquisitions to grow and bring value to members. One interesting trend to note is credit […]

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Are you looking for growth? If you are like most leaders, the answer is probably “yes.” Growth is essential to every business regardless of industry, size or geography. Even if you are growing now, you must continue to grow to be successful in the future. At Capstone we believe in the maxim “grow or die” and […]

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Last week Capstone Managing Director John Dearing had the opportunity to attend the 2016 NACUSO Annual Conference on April 4-7, 2016. Over 400 people attended the Las Vegas event, exchanging ideas and listening to industry experts. Conference topics included investment services, insurance services, innovation and operations, technology, member business lending, mortgage services, and business development. Erik […]

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It’s no surprise that credit union consolidation continues; it is estimated that there were 65% more mergers in 2015 than in 2000. Overall, there were about 15% fewer credit unions in 2015 than in 2011. While there are fewer players today than in previous years, the credit union market is not shrinking or in decline. […]

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Strategic mergers and acquisitions can be a powerful tool for growing your CUSO, but much of your success depends on finding the right partner. How can you identify the right partner for growth? The best way to begin your search is to identify the ideal markets in which to grow your organization. Once you have […]

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Aloha! We hope you have been enjoying these last few weeks of summer. Our very own Managing Director, John Dearing, recently returned from Maui, Hawaii, where he spoke at the National Credit Union Directors Conference hosted by CU Conferences on August 12 -15. John presented “Strategic Mergers and Acquisitions: Exploring External Growth” in two parts […]

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Credit unions have in the past year or so embraced strategic mergers and acquisitions with fervor. This was especially evident at the CUES Execu/Summit I spoke at last week. While strategic M&A in the credit union industry is not new, I’m excited about the enthusiasm that now surrounds the topic. Capstone has been active in […]

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Capstone CEO and author David Braun will present “Grow or Die: Strategic Mergers and Acquisitions” at the CUES Execu/Summit on March 3, 2015 at Snowmass, Colorado. CUES is a leading organization dedicated to educating credit union professionals, directors and suppliers. About 80-90 executives and board members from the credit union industry will attend the Execu/Summit […]

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Many credit union leaders are taking a closer look at strategic M&A as a way to accelerate company growth. Capstone Managing Director John Dearing spoke to a packed room of credit union CEOs and board members at the “Reaching Your Members in the 21st Century” Conference hosted by CU Conferences in Las Vegas on November […]

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Credit unions increasingly are using M&A as a growth strategy. According to NCUA data, 90% of mergers in recent years have been voluntary and have realized greater success than involuntary mergers. “Properly planned and executed, mergers can continue the core mission of your credit union,” said Dominic Carullo, NCUA Economic Development Specialist on NCUA’s recent […]

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Successfully executing a deal can be tricky, even if you already know the acquisition prospect. In fact, your existing relationship may complicate the deal. Acquiring a company that you’ve worked with can make it difficult to objectively evaluate the opportunity. Bonnie Ciuffo, President of South Carolina Financial Solutions (SCFS), and John Dearing, Capstone Managing Director, […]

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Capstone Strategic, Inc., a leading consulting firm specializing in mergers and acquisitions, announced today that South Carolina Financial Solutions (SCFS) has acquired Innova Plan Strategies (Innova). SCFS is a credit union service organization owned by South Carolina Federal Credit Union (South Carolina Federal) located in Charleston, SC. Innova offers comprehensive employee benefit solutions and was […]

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Non-interest income is a hot topic in the credit union industry. Check out Capstone’s infographic on non-interest income below. Click on the image for a closer look.   How can you generate more non-interest income? Many credit unions and CUSOs are turning to external growth and mergers and acquisitions to generate more non-interest income. Find […]

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