MWCUA M@W Q1 2015

1st Quarter, 2015 Report
Governmental Affairs Conference Highlights
Nearly 5,000 credit union leaders and activists ventured to
Washington, D.C. to attend CUNA’s 2015 Governmental
Affairs Conference (GAC). It was a great week and the
highlights included:
• Jim Nussle, kicking off the conference with a call to
action with a CUNA-led 360-degree focused approach on
advocacy. Watch his opening session speech here.
• Tony Budet, CEO, University Federal Credit Union, Austin,
Texas, introducing the Member Activation Program (MAP)
that will dramatically increase advocacy effectiveness.
• Honored 57 credit union award winners, in the areas of
credit union philosophy, social responsibility, and service
and dedication to financial education and literacy.
• CUNA-League credit union leaders blanketed Capitol Hill,
visiting nearly all congressional offices.
Those are just a few highlights. CUNA and the Mountain
West Credit Union Association are already looking forward to
the 2016 GAC Feb. 21-25, 2016, in Washington, D.C.
www.mwcua.com
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membership
membership@work | cuna.org 1

Sooper’s Kester
named to Hall of
Leaders
Sooper Credit Union President/
CEO, Dan Kester, has been
inducted to the Credit Union House
Hall of Leaders in Washington, D.C.
The Credit Union House Hall
of Leaders provides lasting
recognition for credit union leaders
whose commitment has made a
significant impact on the credit
union movement at the local,
state, or national level. Mr. Kester
was nominated in recognition
of his demonstrated leadership,
tireless enthusiasm, unfettered
commitment to the credit union
movement, exemplary leadership,
and dedication he has provided
while serving America’s credit
unions.
“It is an honor to be inducted into
the Hall of Leaders. I’m fortunate to
work with a great team at Sooper,”
said Mr. Kester. Prior to joining
Sooper Credit Union in 1996, he
was CEO of Foothills Credit Union.
He has volunteered for a variety of
credit union organizations including
the Colorado Credit Union League,
Credit Union Association of
Colorado (CUAC), and the National
Association of State Credit Union
Supervisors (NASCUS). He served
on the boards of these and other
organizations and was honored
as the first recipient of the “Dan
Kester Advocacy Award” by the
MWCUA.
www.mwcua.com
Tony Budet, CEO of University Federal Credit Union,
Austin, Texas, highlighted the CUNA-League Member
Activation Program (MAP). Tony shared his experience
with the program, which started when CUNA partnered
with credit unions on an extensive research project to better understand the
impact of advocacy-related communications.
In 2014, in a study involving 70,000 credit union members, CUNA found that
advocacy communications not only succeed in activating credit union members,
but also increase members’ loyalty bond with their credit union.
MAP Benefits
• Members who receive advocacy outreach from their credit union have a stronger
bond with those institutions
• 82% of members are ready to do more business with their credit union after
exposure to advocacy messaging that defines and reminds members about the
differences between credit unions and Wall Street banks
• The goals of generating grassroots contacts go hand-in-hand with increasing
member loyalty and growing wallet share for credit unions
• MAP was a key component during the Don’t Tax My Credit Union campaign in
2013-2014
When credit unions sign up, they’ll begin receiving content to provide to their
membership. This will include materials requesting members to act, while others
will serve to educate and raise awareness. Since GAC, the number of credit unions
participating in MAP have doubled with over 100 credit unions representing more
than 6.5 million credit union members participating in the program. To learn more
about MAP, ask questions, or sign up, visit www.cuna.org/map.
Member Activation Program

1st Quarter, 2015 Reportwww.mwcua.com
Member Resource:
Small CUs Need Five
to Thrive…and Survive
Small credit unions face challenges unlike
other credit unions, and those challenges
are continually growing and making it more
difficult to survive in the ever-changing world
of regulations and compliance.
CUNA recognizes these challenges, and
recently published a white paper covering
five strategies to help small credit unions
not just survive but thrive. The report covers
each prevalent issue in-depth, providing best
business practices, how-to suggestions, as
well as specific case studies of small credit
unions that have successfully implemented
these strategies.
This white paper is provided as a benefit of membership in the CUNA-League
system, and can be downloaded here.
CUNA and Leagues
Continue to Press for
CU Data Breach Reimbursement
Credit unions are still waiting to be paid for their losses due to the major data
breaches that have happened during the past 15 months. CUNA has no intention
of giving up the fight to increase data
security, and get credit unions paid back
for their losses due to breaches like
Target and Home Depot. To take action
and stop the breaches, visit
www.stopthedatabreaches.com.
CUNA and the Mountain West Credit Union Association are pushing data
security legislation, with other financial services trade associations, to raise the
standards for all and include liability provisions that would pay back credit unions
in a timely manner.
FIVE TO THRIVE
A Strategic Guide for Small CUs
A white paper sponsored by
the CUNA Small Credit Union Committee
February 2015
cuna.org/smallcu
iStock
Leadership Devel-
opment Program
Leadership development and
succession planning have long
been a challenge for credit unions
across the country. The Mountain
West Credit Union Foundation’s
Executive Leadership Program
was created to find and develop
the future leaders of the credit
union movement. The program
is a five-year curriculum that
includes developing leader skills,
operational training, and learning
“the credit union way.” The
program’s goals are to develop
leaders specifically for the credit
union industry.
Learn more about this exclusive
program and how to nominate a
candidate at www.mwcua.com/
foundation.
Foundation Golf
Tournament Update
Thanks to our sponsors and
players who participated in this
year’s Annual Foundation Golf
Tournament held in conjunction
with the Annual Meeting and
Convention in Phoenix, Arizona.
It was a huge success and the
second largest golf fundraiser event
we have had in our history. We
netted over $41,000 which will help
fund future Foundation projects.
One hundred and fifty-one players
enjoyed perfect weather and won
more than 35 cash prizes worth
over $2600. What a great way to
kick off Annual Convention.

Insert League
photo here
The 114th Congress…
in Like a Lion
The first quarter of 2015 has been a busy one for CUNA’s advocacy team;
• Testifying before both houses of Congress;
• Introducing over a dozen pieces of legislation that could provide credit unions
with regulatory relief;
• Having nearly 5,000 GAC attendees hike Capitol Hill; and
• Passing nine bills related to regulatory relief for financial institutions out of the
House Financial Services Committee.
The 114th Congress has definitely heard from credit unions. In February, the
Senate Banking Committee held its first two hearings of the new Congress – both
focused on regulatory relief for community financial institutions.
The first hearing featured depository institution regulators, including the NCUA.
The second hearing featured representatives from community financial institutions.
Wally Murray, President and CEO of Greater Nevada Credit Union, testified on
CUNA’s behalf. CUNA’s testimony included more than two dozen recommendations
for statutory changes Congress should make. A few of those changes include:
extending access to supplementary capital to credit unions; enhancing credit unions’
ability to lend to their small business members; updating the Federal Credit Union
Act; and enacting legislation to stop merchant data breaches.
In March, CUNA witness Patrick Miller, CEO of CBC Federal Credit Union of Oxnard,
Calif., testified at a similar hearing before the House Financial Services Committee.
Miller’s testimony focused on many of the same issues that Murray’s did, and also
included personal stories of regulatory burden from CUNA member credit unions.
CUNA made important progress for credit unions on several fronts. Most notably,
the House Financial Services Committee, chaired by Rep. Jeb Hensarling (R-Texas),
marked up and passed nine bills related to regulatory relief for financial institutions
- several of which were passed by the House in the last Congress. CUNA and the
leagues appreciate Chairman Hensarling’s leadership in bringing these bills up
so early in this session and garnering bipartisan support for a majority of these
regulatory relief bills.
Regulatory relief for small institutions continues to be a theme with this Congress,
not only as the subject of hearings, but also legislation. Over a dozen pieces of
legislation which could provide credit unions with regulatory relief have been
introduced. For more information on these bills, visit http://cuna.org/Legislative-
And-Regulatory-Advocacy/.
Congress’ acute focus on regulatory relief this early in its session is promising.
CUNA continues to develop regulatory relief proposals that will provide
meaningful changes for credit unions.
MWCUA Legislative
Update
After a busy first four months of
2015, legislative work at our three
state capitals is winding down
for the year. The Wyoming and
Arizona Legislatures have already
concluded for the year. Wyoming
adjourned on March 6 and Arizona
on April 3. Colorado is scheduled
to adjourn May 6.
Throughout the three sessions,
the Association tracked hundreds
of bills and we had key legislative
victories in each state. In Colorado,
a highly controversial interchange
bill was introduced that would
have prevented an interchange
fee to be charged on the sales
tax portion of a transaction. After
a strong, MWCUA-led grassroots
opposition by our credit unions,
the bill was turned into a study
on the issue. The study was
heavily biased toward merchants
and the Association continued
its opposition and defeated the
proposal by a vote of 2-9.
In Wyoming, the Association
supported a public funds bill that
would have allowed public entities
to place public deposits in credit
unions if they did not a have a bank
within 10 miles. The bill successfully
moved through the Wyoming
House of Representative and
passed out of a Senate Committee.
However, due to session deadlines,
the bill did not receive a final vote
in the Senate.
In Arizona, the Association had
some key successes in opposing
legislation that would bring
an industry similar to payday
lending into the state. In addition,
we added amendments to
transportation network company
legislation to help protect lien
holders.

Regulatory Advocacy:
Keeping a Steady Dialogue
The regulatory advocacy team at CUNA
remains busy on behalf of credit unions
across the country, as it continues to
stay in touch with regulators. In the first
quarter, CUNA’s advocacy team sent
11 comment letters to the CFPB, FASB,
and the NCUA on a variety of topics.
RBC2 - Member’s Only
Toolkit Updates
New resources for RBC2 are now
available on CUNA’s Risk-Based Capital
Action Center for all member credit
unions. These new tools include a list of
credit unions with RBC ratio estimates,
a comment letter guide, and a risk-
based calculator.
“The estimator auto-populates each
credit union’s data using conservative
assumptions that mirror those NCUA
uses,” said Mike Schenk, CUNA
vice president of economics and
statistics. “The credit union is thus
relieved from the lengthy process of
inputting detailed call report data.
But once the auto-population occurs,
they can conduct what-if analyses by
manually changing the assumed data
allocations.”
CUNA and the Mountain West
Credit Union Association continue to
communicate with the NCUA on the
proposed rule, and look forward to the
continued dialogue as the comment
letters stream in before the April 27,
2015, deadline.
Making CFPB’s Credit
Union Council Permanent
Last year, the CFPB announced full
meetings conducted by the Credit
Union Advisory Council and other
boards would be open to the public,
which enabled CUNA to be there to
protect and advocate for credit union
interests. CUNA appreciates CFPB’s
decision to allow greater transparency
and is currently pushing legislation
(H.R. 1265) that would make this a
requirement rather than a courtesy.
In February, CUNA President/CEO,
Jim Nussle sent CFPB Director Richard
Cordray a letter endorsing 15 credit
union representatives to the CFPB’s
Consumer Advisory Board (CAB) and/or
Credit Union Advisory Council (CUAC).
“Credit union representation at the
Bureau is a key component to ensuring
the unique perspective of credit unions’
is not only heard, but also taken into
consideration as a part of any and all
rulemakings affecting credit unions,”
Nussle stated in the letter.
Nussle also said he’s “confident that
with their contributions, the CAB and
CUAC will accurately understand the
need for protections for consumers in
the financial marketplace while at the
same time understanding the need
to avoid burdening entities such as
credit unions that already work hard to
ensure their members are well served.”
The CUAC advises the Bureau on the
impact on credit unions of the CFPB’s
existing and proposed regulations,
and the CAB informs the Bureau on
emerging practices and trends in the
consumer finance industry.
Association staff met personally with
NCUA’s Region V senior staff including
the Regional Director, the Associate
Regional Director and two Supervisory
Examiners. In addition, we met with
two Supervisory Examiners from Region
IV. We discussed improvements to the
examination process including greater
consistency, improved communications,
more efficient use of time, better
examiner training, and an improved
appeals process.
In February, we hosted the first
compliance networking session of the
year. This session brought together
credit unions from all three states and
provided them with an opportunity to
discuss current compliance issues and
solutions with their credit union peers
and Association staff.
Photo: The Association hosted a roundtable
discussion with Mark McWatters, NCUA’s
most recently appointed board member.
McWatters meeting caps Regulatory Affairs update

Credit Union House
Hall of Leaders Induction
Credit Union House on Capitol Hill,
which is owned by all 40 Leagues
including Mountain West Credit Union
Association, logged nearly 700 credit
union visitors in five days during the
GAC, including Sen. Lisa Murkowski of
Alaska.
Credit Union House also inducted 12
credit union leaders and volunteers
into the Hall of Leaders. Members
of the Hall of Leaders have shown
commitment inspiring others in the
credit union movement.
Their names are a permanent
reminder of the strong credit union
movement, and the values and
mission on which credit unions were
founded. If your credit union would
like to recognize the outstanding
contribution of a CEO, staff or
volunteer, learn more about the
Hall of Leaders, or to nominate an
exceptional credit union leader, visit
www.cuhouse.com/hall-of-leaders.php
Compliance
Corner
CUNA’s compliance team continues
to make your job easier in 2015,
and here’s an update:
• CompBlog has seen a steady
stream of information, and
already has over 150 blog posts.
• The team hosted a compliance
networking session at GAC,
bringing together compliance
professionals from across the
country to discuss current
compliance challenges and
concerns.
• Anatomy of a Regulation: How
to Read and Understand a
Federal Regulation, which goes
through several components
of a regulation to assist in
commenting on proposals and
complying with final rules, was
recorded and is available through
CPDOnline. Learn more here.
• Three new CompNOTES were
issued. They describe the
compliance requirements for
the new integrated mortgage
disclosures going into effect
Aug. 1, 2015, covering the Loan
Estimate, The Closing Disclosure,
and the Escrow Closing
Disclosure. Read here.
At the MWCUA Annual Meeting and
Convention, awards for Volunteer and
Professional of the Year were presented
at a special luncheon.
Robert D. Ramirez, president and
CEO of Vantage West Credit Union in
Tucson, Arizona, was named the 2014
Credit Union Professional of the Year.
Mr. Ramirez was tirelessly dedicated
to serving as chairman of the MWCUA
board of directors and remains on the
board even after his tenure as chairman
ended.
His service includes work within the
credit union community and his local
community, giving time and energy to
matters that are vitally important to the
community’s well-being.
Dick Adamson, retired board member
for White Crown Federal Credit Union,
was named the 2014 Volunteer of the
Year.
Mr. Adamson served the credit union
movement for over 38 years. He began
his tenure as a board member in 1995.
In November 2014, the White Crown
Federal Credit Union Board of Directors
honored him with Emeritus Board
Member status for his service.
A 21-year veteran of the U.S. Navy, he
is a firm believer in the credit union
principle of “People Helping People.”
It has been embodied in his life and
career. When asked about hobbies – he
said “His work was his hobby, and his
hobby was his work.”
CU Professional, Volunteer Awards

Annual Meeting Recap
From the highly successful Foundation
Golf Tournament (p. 3), to the vendor
hall, to great speakers and breakout
sessions, to awards and honors, there
was much to experience and learn
at the Mountain West Credit Union
Association’s Annual Meeting and
Convention at the Biltmore Hotel in
Phoenix, Arizona last month.
More than 500 conference attendees
representing 53 credit unions from
across the Association’s tri-state trade
area participated in the three-day
event.
This year’s meeting and convention
offered breakout sessions highlighting
the latest industry trends including
technology, cyber-security, big data,
advocacy, and more. The keynote
speakers were Todd Henry and John
Lauck. Henry presented on the topic of
“Passion, Collaboration and Impact.”
He helped the audience understand
practices and systems that lead to
everyday brilliance. Lauck, President
and CEO of Children’s Miracle Network
Hospitals, closed the conference by
delivering the keynote at the annual
CU4Kids Breakfast, highlighting the
partnership between credit unions and
Children’s Miracle Network Hospitals.
MWCUA, Landings CU
win PR Award
At last month’s Blockbuster Awards,
presented by CUNA, Patti Hazlett,
MWCUA’s director of corporate
communications, received one of the
industry’s top awards for her public
relations work on behalf of a member
credit union.
Hazlett’s work with Landings Credit
Union, publicizing the credit union’s
very successful micro loan program,
earned highly desirable trade media
placement for the credit union. The
project was recognized as the Best
Public Relations Campaign.
Global Women’s Leadership highlights
The Mountain West Credit Union Association welcomed the World Council
of Credit Union’s Global Women’s Leadership Network at the Association’s
annual meeting. There was incredible turnout with women leaders from across
Colorado, Arizona and Wyoming.
Brandi Stankovic, Senior Partner at Mitchell Stankovic and Associates was
the keynote for the session. She led the group in interactive dialogue and
discussion regarding people, the MOST VALUABLE PEOPLE, specifically how
to be an MVP and how to inspire the MVPs in your life. In business, we refer
to MVPs as our top performers; male and female leaders who have that magic
stuff or mojo that drives them to achieve success; the ones who impact the
bottom line or who can turn around a low-performing team and help them
achieve their goals and exceed their targets.
During the session, Brandi shared the efforts of the World Council of Credit
Union’s, Global Women’s Leadership Network that strives to provide women
with the opportunity and resources to make measurable differences in each
other’s lives, as well as in the lives of credit union members, and in their
communities.
Photo HIGHLIGHTS from
MWCUA Annual Meeting
www.LeagueWebsite.org
Clockwise: 1) We celebrated another successful Foundation Golf Tournament; 2 3) confer-
ence attendees spent quality time in the vendor hall; and 4) we honored award winners.

@work
membership
For more information on CUNA-League
Membership, please contact Jaquetta
Ward, jward@mwcua.com or Jeff
Carpenter, CUNA VP of Membership
Development at jcarpenter@cuna.coop
www.mwcua.com
Uchida named chair of
Association Board
The MWCUA elected its 2015-2016
board of directors officers at the Annual
Meeting and Convention in Phoenix.
“The MWCUA is dedicated to strong
advocacy efforts, providing resources,
and delivering support and training to
our members,” said Scott Earl, MWCUA
CEO. “The dedication and leadership of
our board helps us achieve those goals
and help our member credit unions
succeed.”
John Uchida, President of Space
Age Federal Credit Union in Aurora,
Colorado will serve as the board
chairman. Jim Yates, President of
First Education Federal Credit Union
in Cheyenne, Wyoming, will serve as
vice-chairman; Walt Marx, President
and CEO of Northern Colorado Credit
Union in Greeley, Colorado, will serve as
secretary; and Colleen Curtis, President
and CEO of Southwest Healthcare
Credit Union in Phoenix, Arizona, will
serve as treasurer.
ACPE Federal Credit Union,
Laramie Plains Community Federal
Credit Union, and UniWyo Federal
Credit Union joined together to
make sure the 2015 Unite for
Good Food Drive was a success.
Community donations make a
significant contribution to this
program that serves almost 100
students every week. This year’s
food drive allows enough to fill
over 750 backpacks for in-need
Albany County students.
.
Of Interest
• To help credit unions make their fee decisions easier, CUNA’s 2015 Fees Report
- reflecting input from more than 1,300 credit unions on their fee structure for
various products and services - is now available.
• CUNA has tracked 1,100 bills moving through state legislatures across the country
to monitor their impact on credit unions. CUNA and the Mountain West Credit
Union Association work together on state legislative advocacy to avert tax threats,
improve state credit union acts, and ensure that new laws on data security, patent
regulation and other issues support credit unions’ operating environment.
• 12,674 credit union staff and volunteers completed nearly 118,000 CUNA learning
activities on CPD Online.
• 861 individuals registered for the members-only free Risk Based Capital webinar.
Of that number, 661 attended live and the remainder will take advantage of the
archived webinar.
• FiCEP is off to a strong start: with 1,585 modules sold as credit union staff prepare
to participate in early year programs. These programs will allow approximately
150 students to become Certified CU Financial Counselors through the Real
Solutions program.
BusinessNoninterest-bearingInterest-bearing
$1,000+500-1,000200-500100-20050-10020-5010-20$0-10
58%
81%
68% 70%
82%
65%
61%
83%
61% 59%
83%
57%
67%
94%
47% 48%
80%
33% 33%
87%
38%
56%
92%
40%
Asset size
($ millions)
L-R: Kelly Newcomer, UniWyo FCU;
Tyler Valentine, Laramie Plains FCU;
Julie Schmidt, Laramie Plains FCU; Katie
Gooch, UniWyo FCU; Marcia Dent,
ACPE FCU; Chris Bretones, ACPE FCU.
Wyoming CUs Unite for
Good

MWCUA M@W Q1 2015

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