Credit Union Exam Solutions Presents With Flying Colors

16:12

CAMELS: The Top Has Never Looked Better - The Bottom...

Credit Union Exam Solutions Presents With Flying Colors ·

2026/10/05

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/NCUA’s second-quarter 2026 CAMELS data is out. There’s been no NCUSIF (National Credit Union Share Insurance Fund) briefing yet — that typically comes in September or October — but the CAMELS counts and the June financial data are on NCUA’s website. In this solo episode, Mark Treichel walks through what the numbers show and what they might mean for your credit union.The headline: an industry bifurcating, pulling apart at both

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28:52

CAMELS Code 4 Reality: The Examination Burden No One...

Credit Union Exam Solutions Presents With Flying Colors ·

2026/10/02

What really happens when your credit union gets coded a CAMEL 4?Mark Treichel brings back Steve Farrar and Todd Miller — two former NCUA executives with 60+ years of combined experience — to give you the unvarnished truth about life as a Code 4 credit union.They cover the examination burden (expect your PCO 12-20 weeks per year), the administrative record NCUA starts building from day one, how the Fed, FHLB, and Fannie Mae all learn your status, what your board needs to understand about

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15:29

Data-Driven Supervision: What Your Call Report Tells...

Credit Union Exam Solutions Presents With Flying Colors ·

2026/09/28

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Mark Treichel recorded this episode after presenting to a credit union supervisory committee on the 5300 and the call report — why it matters to NCUA, and why it should matter to you. The first half is the risk view from NCUA’s side of the table. The second half is what the rules actually ask of the supervisory committee.NCUA collects and analyzes call report information to assess a credit union’s financial condition and evaluate

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13:56

WFC Classic: Fraud and Why NCUA Must Be Onsite

Credit Union Exam Solutions Presents With Flying Colors ·

2026/09/24

## Episode SummaryMark Treichel discusses the importance of on-site exams by NCUA (National Credit Union Administration) in detecting and preventing fraud in credit unions. He explores the concept of the Fraud Triangle and explains why a physical presence is crucial in maintaining the integrity of financial institutions.## Key Points1. NCUA Chairman Todd Harper emphasized the need for increased travel budget to accommodate on-site exams.2. Recent credit union failures involved fraud as a

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36:11

FDIC and OCC Define Safety and Sound & What Credit...

Credit Union Exam Solutions Presents With Flying Colors ·

2026/09/21

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Safety and soundness has been referred to in examinations from here to eternity, and until now nobody could tell you where it was defined. The FDIC and the OCC have finalized a rule that puts a definition on “unsafe or unsound practice” for the first time, for both enforcement actions under 12 USC 1818 and supervisory activities. NCUA did not join.Mark Treichel is joined by Steve Farrar and Todd Miller of Credit Union Exam

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24:20

WFC Classic: Documents of Resolutions & Project...

Credit Union Exam Solutions Presents With Flying Colors ·

2026/09/18

Document of Resolutions can be complex or simple. Regardless, they usually have many steps that NCUA doesn't realize, but you need to track. We discuss the ins and outs of DOR project management in this archive episode.

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47:12

NCUA's New Exam Entry Letter: What Changed and What...

Credit Union Exam Solutions Presents With Flying Colors ·

2026/09/14

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/NCUA started sending a rewritten exam entry letter to credit union CEOs in late July and early August. It is not a formatting change. For the first time, the letter states what the exam is actually about.Mark Treichel is joined by Todd Miller and Steve Farrar of Credit Union Exam Solutions to go through the new template line by line and compare it against the one it replaced.The old template did not define or limit the

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37:48

Commercial Loan Underwriting That Satisfies NCUA

Credit Union Exam Solutions Presents With Flying Colors ·

2026/09/11

Guest: Vin Vieten, former NCUA Senior Credit SpecialistKey Topics:- Financial analysis for commercial lending- Credit proposal best practices - Global cash flow analysisKey Takeaways:1. Financial Analysis: - Should be well-organized, consistent, and comprehensive - Analyze 3+ years of financial performance to establish trends - Examine income statement, balance sheet, and cash flow - Provide value to borrowers through expert financial review2. Credit Proposals: - Use a standard,

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5:56

SAR Confidentiality: The Line Between the Filing and...

Credit Union Exam Solutions Presents With Flying Colors ·

2026/09/08

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/On September 2, five agencies signed a joint statement on suspicious activity report (SAR) confidentiality: the Federal Reserve, the FDIC, the OCC, the NCUA, and the Financial Crimes Enforcement Network (FinCEN). Every prudential regulator plus the Bank Secrecy Act (BSA) rule maker on the same page. That is not one agency freelancing.The subject is narrow and the headline is simple. SAR confidentiality rules do not prevent a

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43:43

WFC Classic: Understanding Risk Management: Culture,...

Credit Union Exam Solutions Presents With Flying Colors ·

2026/09/04

OverviewIn this episode, we break down the fundamentals of risk management for credit unions — what it really means, why it matters at every asset size, and how boards and executives can build a resilient framework that supports safe, sustainable growth. blog risk appetiteWhat We CoverThe Three Pillars of Risk ManagementRisk Culture — how tone from the top determines effectiveness.Risk Appetite — defining how much risk is acceptable before strategy becomes unsafe.Risk Management System —

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4:46

What’s Coming This Fall: Exam Letters, Bylaws, and a...

Credit Union Exam Solutions Presents With Flying Colors ·

2026/08/31

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Recorded August 30. A short episode looking ahead at the last four months of the year, plus one development worth flagging now.NCUA sent out a letter on how the exam process is going to work this coming cycle. It went to credit union CEOs. It was not posted on NCUA’s website. Mark has a copy and will cover it in an upcoming episode with Steve Farrar and Todd Miller of the Credit Union Exam Solutions team.An attorney pointed out

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28:45

WFC Classic: Capital Rules and Risk Management for...

Credit Union Exam Solutions Presents With Flying Colors ·

2026/08/28

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/ | WFC Classic: Capital Rules and Risk Management for Credit Unions

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13:13

WFC Classic: Did You Agree to That?

Credit Union Exam Solutions Presents With Flying Colors ·

2026/08/21

Summary:In this special Archive episode of With Flying Colors, Mark explores the meaning and implications of "agreed upon corrective action" in credit union examinations. Drawing from his experience at NCUA, Mark explains how this term appears on examination reports and why its proper implementation is crucial for credit unions.Key Points Covered:Mark begins by breaking down the literal meaning of "agreed upon" using dictionary definitions, emphasizing that it means coming to a mutual

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29:10

From Defense to Offense: The CUSO Advocacy Push on...

Credit Union Exam Solutions Presents With Flying Colors ·

2026/08/17

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Federal credit unions are limited to investing 1% of their assets, in the aggregate, in credit union service organizations. That number went into the Federal Credit Union Act in the 1970s, and when NACUSO went back and researched it, they found no legislative history explaining why 1% was chosen. It is, as NACUSO general counsel Brian Lauer puts it, truly an arbitrary number — and it is now colliding with the capital requirements

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54:06

WFC Classic: Decoding the Examiner's Guide and...

Credit Union Exam Solutions Presents With Flying Colors ·

2026/08/14

The Examiner's Guide and National Supervision Policy Manual (NSPM) govern how NCUA examinations work. In this episode, Mark Treichel, Todd Miller, and Steve Farrar explain what credit unions need to know about both documents. Key takeaways: • The NSPM standardized examination procedures after years of regional inconsistency • The Examiner's Guide is de-emphasized but its reference sections remain useful • Credit unions should review NSPM chapters on District Management, Programs, and

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21:49

Does Trump Know NCUA Has Zero Board Members?

Credit Union Exam Solutions Presents With Flying Colors ·

2026/08/12

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/For the first time in its history, the National Credit Union Administration (NCUA) has zero board members. Not one. Not two. Zero.In this emergency episode, Mark Treichel walks through how the agency got here and, more importantly, what it means for credit unions in the meantime.Kyle Hauptman’s six-year term expired in August 2025. Under the Federal Credit Union Act, a board member may keep serving after a term expires until a

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24:13

The First Federal Home Loan Bank Oversight Hearing in...

Credit Union Exam Solutions Presents With Flying Colors ·

2026/08/10

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Ryan Donovan, CEO of the Council of Federal Home Loan Banks, joins Mark Treichel to walk through what came out of the first Federal Home Loan Bank oversight hearing in 15 years — and what credit unions should take from it.The Federal Home Loan Bank System is not a well-known system, as Ryan puts it, so the testimony started with education: 11 banks serving 6,300 members — credit unions, banks, insurance companies, and community

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33:12

WFC Classic: The Art of Commercial Lending and the...

Credit Union Exam Solutions Presents With Flying Colors ·

2026/08/07

In this archive episode of With Flying Colors, host Mark Treichel welcomes Vin Vitton, retired NCUA Senior Credit Specialist and longtime commercial banker, for an insightful discussion on credit culture—what it is, why it matters, and how it shapes a credit union’s lending success.Vin draws on his unique experience working on all three sides of the desk—as a lender, borrower, and regulator—to explain how a strong credit culture begins with board values, flows through management, and guides

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41:25

Lenwood Brooks of Performance Trust on NCUA's Board...

Credit Union Exam Solutions Presents With Flying Colors ·

2026/08/03

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/ In this episode, Mark Treichel sits down with Lenwood Brooks — former chief of staff to NCUA Chairman Rodney Hood, former Director of Government and Industry Relations at the Federal Home Loan Bank of Dallas, and now a managing director at Performance Trust Capital Partners — for a wide-ranging conversation about what happens to NCUA next.Lenwood walks through the mechanics of Senate confirmation for nominee John Crews,

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29:12

WFC Classic: Why Does NCUA Ask to Meet with Your...

Credit Union Exam Solutions Presents With Flying Colors ·

2026/07/30

Why Does NCUA Ask to Meet with CU Board without CU Staff Present?Join Mark Treichel and his team as they delve into the rare but important topic of why the National Credit Union Administration (NCUA) might ask to meet with a credit union's board of directors without staff present. In this episode, Mark, Steve Farrar, and Todd Miller share personal experiences and insights from their extensive careers in credit union examination and supervision. Learn about the reasons behind such requests,

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