Writing
Working notes on operations, leadership, and AI in credit unions. White papers first, then the tools we built at Illinois State and what they do, then articles.
White papers
Tools
ProjectMap - Seeing a Conversion in One Place
We are in the middle of two conversions right now. Between them there are numerous vendors and systems that connect in.
CU Bench: Peer Benchmarking on Public NCUA Data
Every credit union files a call report with the NCUA each quarter, and all of it is public.
AI for Pattern Recognition - A Use Case for Lending
A practical, easy plug and play use case for AI is pattern recognition.
AI Underwriting - Income Focused Underwriting Tool
An underwriting tool built using AI (Claude), trained on historical loan performance and loss analysis.
Articles
Motivation That Actually Works
Most systems are still built on carrots and sticks, and that's exactly why they keep failing on the work that matters most.
Start From Scratch
If you could rebuild your credit union today, what would it look like, and what are you willing to change to make it happen?
How you make people feel is the best product a credit union can offer.
What truly sets a credit union apart is how it serves its members every day.
Structure Doesn't Replace Authenticity
The power of conflicting values.
The Myth of the Rate-Driven Consumer
In a world where convenience and time often come before money in everyday decision-making, does rate really still matter?