Annual Report - Hawaii Credit Union League

Table of Contents
Chairman’s & President’s Report....................2-3
Board of Directors & Committees.................4
Staff................................................................................5
2015 Statewide Ranking......................................6-7
Growth Statistics......................................................8-9
Pakela Awards...........................................................10-11
“5 In 5” Fundraising Initiative.........................12-13
HCUS Business Partners.....................................14-15
System Related Organizations.........................16
1
Chairman’s and President’s Message
The economy of Hawaii and the nation continued to
improve gradually in 2015, six-and-a-half years after
the global financial crisis. In light of the economic
improvement, financial performance for many of
Hawaii’s credit unions was notably better than earlier
years of the post-crisis period.
number of Hawaii credit unions since the start of the
Great Recession in 2007. In 2015, Pacific Island Energy
FCU merged into Hawaii Central FCU, Prince Kuhio
FCU merged into Hawaii FCU, North Hawaii Community
FCU merged into HFS FCU, Independent Employers
Group FCU merged into HawaiiUSA FCU, and NAVFAC
FCU merged into Pentagon FCU (headquartered in
The Economic Backdrop
Alexandria, Virginia). Two days before the end of 2015,
Most economic indicators signaled a generally better First Hawaiian Homes FCU was liquidated by the
business environment in 2015. One such indicator, the
National Credit Union Administration (NCUA) due to
seasonally-adjusted unemployment rate, dropped to 3.3
insolvency.
percent for Hawaii as of December 2015, from 4.1 percent
Combined shares in Hawaii credit unions rose 3.0
a year earlier. Hawaii’s rates were significantly better than percent in 2015 to $9.0 billion, primarily because of
seasonally-adjusted unemployment rates for the entire
increases in core deposits. During the year, balances in
country, which were 5.0 percent in December 2015, down share drafts at Hawaii credit unions jumped 12.2 percent
from 5.6 percent in December 2014. Unemployment in
to $1.2 billion, while regular share balances increased
2015 declined for the sixth consecutive year for Hawaii
5.4 percent to $4.0 billion. On the other hand, balances
and the nation.
in share certificates fell 7.9 percent to $1.4 billion, while
Inflation was also kept in check, with Honolulu
money market shares grew 3.1 percent to $1.7 billion, and
consumer price index for urban consumers (CPI-U)
balances in IRA and Keogh accounts shrank 2.8 percent
rising just 1.3 percent in 2015. That inflation rate was
to $0.5 billion.
lower than the Honolulu CPI-U of 1.8 percent in 2014,
Combined loan volume at Hawaii credit unions
due in large part to lower cost of fuel.
increased 8.9 percent to $4.4 billion in 2015. This was
The combination of lower unemployment rates and
the third consecutive year of loan growth, reversing the
lower inflation rates caused the Federal Open Market
trend of declining loans in 2012, 2011, and 2010. The
Committee (FOMC) to finally raise its federal funds
rise in loan volume in 2015 was primarily attributable
target range in December 2015. This marked the first
to new vehicle loans, which rose an impressive 20.9
rate change since late 2008, when the FOMC established
percent to $360 million; used vehicle loans, which grew
a near-zero target range for the short-term federal funds
18.1 percent to $341 million; unsecured loans and lines
rate.
of credit, which increased 13.0 percent to $596 million;
In announcing the change, the FOMC stated, “The
outstanding balances in first mortgage real estate loans
Committee expects that economic conditions will evolve and lines of credit, which rose 7.7 percent to $1.8 billion;
in a manner that will warrant only gradual increases in
and outstanding balances in junior lien real estate loans
the federal funds rate; the federal funds rate is likely to
and lines of credit, which grew 3.5 percent to $854
remain, for some time, below levels that are expected to
million. Meanwhile, outstanding balances in unsecured
prevail in the longer run. However, the actual path of the credit cards decreased 0.6 percent to $199 million;
federal funds rate will depend on the economic outlook
balances of other unsecured loans and lines of credit
as informed by incoming data.”
increased 13.0 percent to $674 million; and balances in
For the fourth straight year, Hawaii’s tourism
non-federally guaranteed student loans rose 14.1 percent
industry set new records with the totals of visitor arrivals to $21 million.
and visitor expenditures generated for the state in 2015,
Combined membership in Hawaii credit unions
according to preliminary year-end statistics released by
decreased 0.4 percent in 2015 to 806,212 – due in part
the Hawaii Tourism Authority. Altogether, a record total
to the merger of NAVFAC FCU (2,052 members as of
of 8,649,357 visitors were welcomed to Hawaii in 2015, a
September 30, 2015) with out-of-state Pentagon FCU,
4.1 percent increase over 2014, producing a record total
and the liquidation of First Hawaiian Homes FCU (1,379
of $15.2 billion in visitor expenditures, an increase of 2.3 members as of September 30, 2015). Had it not been
percent year-over-year.
for those two credit unions, the combined membership
of Hawaii credit unions would have been virtually
unchanged from year-end 2014 to year-end 2015.
Hawaii Credit Union Highlights
Hawaii credit unions did relatively well in growth
and financial performance during 2015. Combined assets Major League Initiatives
Legislative and regulatory advocacy were again
of Hawaii credit unions at the end of 2015 was 3.1 percent
high priorities for your League. Among other issues,
higher than a year earlier, growing to $10.2 billion. This
preserving the nonprofit tax status of credit unions at
was despite the number of credit unions continuing to
the federal, state, and county levels remained job one.
shrink.
During 2015, your League worked together with its Kauai
During the year, six credit unions merged or
liquidated – tying the record for highest reduction in the Chapter to reinstate the real property tax exemption for
credit unions in Kauai County, which was reduced two
2
years earlier. In addition, your League worked together
with its Oahu Aloha Chapter to get real property tax
compromise legislation passed for credit unions in the
City and County of Honolulu.
As to regulatory advocacy, a major emphasis was
on a risk-based capital (RBC) rule, which was initially
proposed by NCUA in 2014. Your League held free
informational sessions on four islands to review the
complexities of the RBC proposal. Similar sessions
conducted by the Credit Union National Association
(CUNA) and leagues across the country helped to
generate more than 2,000 comment letters submitted to
NCUA, the vast majority of which opposed or suggested
substantive changes to the proposed RBC rule. NCUA
issued its final rule on RBC in mid-October 2015, which
represented a significant improvement over the original
proposal. Best of all, the effective date of the new RBC
rule was pushed back to January 1, 2019, which allows
credit unions more than three years to restructure
their balance sheets in order to meet or exceed the new
capital adequacy standards.
Late in December 2015, your League also conducted
free informational sessions on four islands to discuss
NCUA’s proposed rule on field of membership. This
controversial proposal generated approximately 10,500
comment letters to NCUA, setting a new record.
Your League also focused on assisting Hawaii
credit unions in regulatory compliance in 2015. Besides
responding to regulatory questions from credit unions
in Hawaii via phone or email, League staff promoted
other regulatory compliance initiatives such as free
access to web-based League InfoSight and CU PolicyPro,
weekly InfoSight Compliance eNewsletters, Ask A
Lawyer, compliance round table sessions, monthly
“Questions & Answers” and “Legally Speaking” columns
in League News, and numerous educational offerings.
Additionally, your League introduced ComplySight,
an online product that helps credit unions effectively
manage the increasingly heavy burden of regulatory
compliance.
Just as credit unions need to collaborate to survive
and thrive, so must your League. Economic realities
such as credit union mergers, shrinking revenues, and
increasing operational costs dictate the need for change.
With that in mind, your League became a member of
Plexcity in 2015. Plexcity started as collaboration of four
state credit union leagues – California Credit Union
League, Nevada Credit Union League, New Jersey
Credit Union League, and the Maryland and DC Credit
Union Association – to share back-office services such as
human resource management, information technology,
finance, and accounting. Through Plexcity, participating
leagues increase member value through a greater focus
on core business offerings – while improving efficiency,
reducing redundancies, eventually lowing overall
costs, incorporating best practices, as well as sharing
talent and expertise across organizations. In addition
to Hawaii Credit Union League, Plexcity now provides
back-office service for Ohio Credit Union League, the
National Association of Credit Union Supervisors, and is
in the process of adding even more credit union-related
associations.
Changes in League Staff
Your League regretfully bid aloha to two staff
members in 2015. Former Education and Meeting
Coordination Officer Elizabeth “Liz” Ott resigned to
relocate back to the mainland. Former Legislative
Officer Stefanie Sakamoto resigned to start her own
lobbying firm, Sakamoto Consulting LLC.
As a result of those two departures and membership
in Plexcity, your League used attrition and collaboration
as opportunities to downsize and realign staff. Former
Finance Manager Reed Kano was appointed to a newly
created position of Business Services Manager, and
former Office Manager Tracy Aiwohi was appointed
to a newly created position of Engagement Manager.
Concurrently, former Member Relations Manager
Kathy Morris was appointed to a newly created
position of Business Development Director, former
Legislative and Regulatory Affairs Manager Paula
Sumimoto-Matsushima was appointed to a newly
created position of Governmental Affairs Director,
former Association Services Manager Wendy Kishida
was appointed to a newly created position of Education
and Training Director, and former Bookkeeper Annette
Wedemeyer was appointed to a newly created position
of Office Support Assistant. In addition, some of the
responsibilities of former Legislative Officer Stefanie
Sakamoto were outsourced to Sakamoto Consulting
LLC.
Membership Optionality
In December 2015, the Board of Directors of CUNA
adopted the concept of membership optionality, under
which credit unions have the choice of joining CUNA
without being a member of a league, joining a league
without being a member of CUNA, or joining both
associations. Existing bylaws of CUNA and your League
state that credit unions cannot be a member of CUNA
without being a member of its state league and vice
versa, so those bylaws must be amended to allow for
membership optionality.
Your League respectfully recommends a “yes” vote for
proposed amendments to the CUNA and HCUL bylaws.
In any event, even if membership optionality becomes
a reality, Hawaii credit unions are urged to remain
members of CUNA as well as your League. Simply put,
we are stronger together.
Respectfully submitted,
Clayton Fuchigami Dennis Tanimoto
Chairman of the Board President
3
Board of Directors
Staff
Administration
Dennis Tanimoto
President
Tracy Aiwohi
Engagement Manager
Reed Kano
Business Services Manager
Business Services Team
Seated L-R: Chairman Clayton Fuchigami, Vice Chairman Cheryl Weaver, Treasurer Scot Tsuchiyama.
Standing L-R: Director Melvin Chiba, Director Andrew Rosen, Secretary Alan Arai. Not pictured: Director
Gordon Sam.
Committees
Audit
Chairman:
Gerard Auyong, Hickam FCU
Members:
Rene Matsuura, Hawaii Law Enforcement FCU
Sharon Sakamoto, University of Hawaii FCU
Michele Villegas, Pearl Hawaii FCU
Bylaws
Chairman:
Harlan Kimura, HawaiiUSA FCU
HCUL Board Liaison:
Gordon Sam
Members:
Kelly Gibo, Hamakua Coast Community FCU
Michele Kawahara, West Maui Community FCU
Tess Shimabukuro, Kauai Community FCU
Edward Yuen, University of Hawaii FCU
4
Kathy Morris
Business Development
Director
Family Involvement
Chairman/HCUL Board Liaison:
Cheryl Weaver
Members:
Craig Kinoshita, Wailuku FCU
Tom Metcalf, Oahu FCU
Lisa Murphy, Kauai Government
Employees FCU
Takashi Sasaki, CU Hawaii FCU
Finance
Chairman/HCUL Board Liaison:
Scot Tsuchiyama
Members:
James Fuji, McBryde FCU
Norman Okimoto, Hawaiian Tel FCU
James Takamine, CU Hawaii FCU
Neal Takase, Pearl Hawaii FCU
Trevor Tokishi, Valley Isle Community FCU
Becky Jandoc
Member Relations Officer
Government Affairs
Nomination & Election
Chairman:
Mark Taylor, West Oahu Community FCU
Members:
Cindy Geiling, Hawaii FCU
Jeanine Morse, University of Hawaii FCU
Edwina Suzuki, The Queen’s FCU
Maile Makekau
Administrative Assistant
Annette Wedemeyer
Office Support Assistant
Member Engagement Team
Chairman:
Gary Fukuroku, Maui County FCU
HCUL Board Liaison:
Melvin Chiba
Members:
Tricia Buskirk, Hawaii Community FCU
Robin Kim, Hawaii Schools FCU
Corinne King, Kauai Government
Employees FCU
Jacob Ng, NAVFAC FCU
Kenji Sumida, University of Hawaii FCU
Grant Tanimoto, Hawaii State FCU
Dianne-Midori Lee
Member Relations Officer
Paula SumimotoMatsushima
Governmental Affairs
Director
Wendy Kishida
Education and Training
Director
Dorie Fitchett
Regulatory Officer
Laurie Okawa Moore
Communications Officer
5
2015 Statewide Ranking
STATE
RANK
6
CREDIT UNION ASSETS
SHARES
LOANS
MEMBERS
STATE
RANK
CREDIT UNION ASSETS
SHARES
LOANS
MEMBERS
1
HawaiiUSA FCU
1,507,473,274
1,322,782,139
575,713,275
123,512
34
HELCO FCU
40,027,115
32,801,689
17,235,690
1,738
2
Hawaii State FCU
1,406,453,824
1,235,064,990
662,970,728
90,096
35
Kamehameha FCU
37,376,950
32,532,055
10,813,644
4,678
3
Aloha Pacific FCU
753,817,668
664,477,610
318,616,880
43,004
36
West Oahu Community FCU
36,439,271
30,749,302
7,308,333
4,973
4
University of Hawaii FCU
570,412,193
504,347,023
175,923,313
28,535
37
Hawaii First FCU
35,741,338
31,214,803
25,626,784
7,634
5
Hawaiian Tel FCU
559,284,041
487,551,657
263,388,704
54,828
38
Hawaiian Electric Employees FCU
35,463,508
29,921,009
10,548,561
2,032
6
Hickam FCU
543,764,113
488,494,932
239,312,520
45,925
39
West Maui Community FCU
35,457,139
27,163,946
4,709,884
2,800
7
HFS FCU
502,867,058
451,538,840
190,095,245
48,642
40
Schofield FCU
34,283,915
28,699,841
14,126,958
2,186
8
Hawaii Community FCU
444,833,990
400,700,342
240,376,030
40,479
41
Maui Teachers FCU
34,047,002
29,946,812
5,917,131
1,729
9
Kauai Community FCU
421,327,771
378,449,240
219,521,096
32,693
42
Hotel and Travel Industry FCU
32,719,050
29,090,022
15,032,892
5,240
10
Pearl Hawaii FCU
337,788,514
304,517,646
141,655,365
24,477
43
Kauai Teachers FCU
28,993,645
26,382,642
7,097,321
2,443
11
Maui County FCU
257,283,444
221,286,218
134,887,437
14,685
44
Lanai FCU
25,897,664
22,777,755
974,911
1,821
12
CU Hawaii FCU
256,876,428
222,920,364
110,960,528
26,358
45
Honea FCU
25,445,720
22,927,121
8,099,098
960
13
Honolulu FCU
246,111,828
217,126,293
129,181,052
15,195
46
Molokai Community FCU
24,401,658
22,123,976
9,998,531
5,206
14
Hawaii Central FCU
206,786,080
188,036,836
139,441,988
15,506
47
Kekaha FCU
19,641,223
15,079,320
11,909,122
1,876
15
Hawaii Law Enforcement FCU
154,807,263
138,330,071
78,039,019
13,825
48
Hawaiian Airlines FCU
19,485,365
17,880,187
4,938,772
3,294
16
Valley Isle Community FCU
113,117,166
100,869,973
44,263,670
13,235
49
Hawaii National Guard FCU
19,307,231
17,171,930
4,942,646
2,081
17
Kauai Government Employees FCU
110,206,927
99,499,750
82,543,196
7,196
50
Onomea FCU
16,426,730
13,432,151
5,556,770
1,854
18
Maui FCU
96,657,546
81,585,158
27,679,417
7,187
51
Board of Water Supply FCU
15,446,552
12,333,281
5,010,974
1,114
19
Windward Community FCU
90,806,528
83,299,580
40,042,786
9,339
52
Hamakua Coast Community FCU
15,114,359
12,541,306
5,006,382
1,844
20
Garden Island FCU
90,559,398
77,170,241
22,273,310
8,115
53
Local Union 1186 IBEW FCU
14,424,764
12,553,237
1,767,302
1,155
21
Big Island FCU
88,396,803
80,218,468
42,648,802
9,119
54
OTS Employees FCU
13,843,189
11,314,786
11,402,570
2,193
22
McBryde FCU
86,819,664
65,907,478
9,964,219
3,518
55
Ewa FCU
13,256,203
10,246,909
3,562,303
1,815
23
Hawaii County Employees FCU
84,387,913
70,280,681
28,490,387
6,111
56
St. Francis Medical Center FCU
9,468,569
8,211,980
6,622,759
1,183
24
Hawaii FCU
79,504,223
69,167,417
54,463,576
14,038
57
Times FCU
7,775,731
7,195,108
2,392,460
1,299
25
HMSA Employees FCU
68,267,253
60,651,986
12,173,070
3,478
58
McCabe Hamilton & Renny FCU
6,152,801
5,281,783
2,592,580
602
26
Hawaii Schools FCU
66,446,501
56,451,846
23,291,447
5,123
59
Kahuku FCU
5,638,616
5,034,154
4,787,751
1,530
27
Honolulu Fire Department FCU
65,667,584
57,869,301
18,010,187
5,102
60
Glover FCU
4,537,897
3,911,054
178,984
273
28
Kahului FCU
55,408,398
46,412,523
22,616,327
4,805
61
Plumbers & Fitters Local 675 FCU
2,506,431
2,219,399
512,205
706
29
The Queen’s FCU
54,495,194
48,855,963
11,968,167
4,931
62
ORAL FCU
2,449,898
2,094,343
793,343
307
30
Oahu FCU
50,351,635
44,049,282
16,944,809
4,195
63
Leahi FCU
1,863,265
1,630,997
1,693,120
502
31
Waialua FCU
48,515,067
42,277,298
11,062,205
3,132
32
Wailuku FCU
47,630,128
40,184,256
27,904,526
4,215
10,124,353,802
8,913,113,513
4,333,560,220
800,228
33
Kuakini Medical and Dental FCU
43,595,586
38,275,213
5,977,158
2,561
STATEWIDE TOTAL
7
Growth Statistics
Year
2011
2012
2013
2014
2015
CUs
83
78
75
69
63
Assets
$ 9,285,044,502
$ 9,524,330,056
$ 9,635,698,424
$ 9,820,152,276
$10,124,353,802
Big Island Chapter
Shares
$ 8,227,197,584
$ 8,412,547,322
$ 8,529,540,790
$ 8,652,771,681
$ 8,913,113,513
Loans
$ 3,975,405,068
$ 3,824,604,521
$ 3,841,565,441
$ 3,980,369,381
$ 4,333,560,220
Members
810,675
801,036
802,041
803,701
800,228
Year
2011
2012
2013
2014
2015
CUs
12
11
11
11
9
Assets
$ 1,308,728,100
$ 1,334,107,116
$ 1,378,415,459
$ 1,431,958,472
$ 1,484,671,734
President
Shares
$ 1,160,495,742
$ 1,181,416,161
$ 1,221,638,044
$ 1,266,311,332
$ 1,315,648,644
Vice President
Cheryl Weaver
CU Hawaii FCU
Loans
$ 621,149,934
$ 585,874,788
$ 585,163,732
$ 606,562,417
$ 665,996,618
Secretary
Mary Ann Otake
Hawaii First FCU
Rosemarie SakaneElarco
CU Hawaii FCU
$12
Members
144,165
144,569
146,084
145,306
143,779
Treasurer
Peter Tomich
HFS FCU
$10
$8
Valley Isle Chapter
Year
2011
2012
2013
2014
2015
Billions $6
$4
$2
$0
2011
2012
Assets
2013
2014
Shares
CUs
9
9
9
8
8
$
$
$
$
$
President
2015
Assets
618,601,181
627,973,006
642,917,023
646,006,386
665,498,487
Vice President
Clayton Fuchigami
Maui FCU
CUs
2011
2012
2013
2014
2015
54
51
49
44
40
President
Andrew Rosen
Hawaii State FCU
8
Assets
$ 6,732,048,607
$ 6,913,429,772
$ 6,930,998,462
$ 7,034,153,290
$ 7,216,634,953
Vice President
Gordon Sam
Pearl Hawaii FCU
Loans
$ 296,510,187
$ 279,576,972
$ 255,366,186
$ 253,733,531
$ 268,953,303
Members
50,682
50,508
49,856
49,914
50,477
Treasurer
Secretary
Gary Fukuroku
Maui County FCU
Trevor Tokishi
Valley Isle
Community FCU
Guy Muraoka
Kahului FCU
Loans
Oahu Aloha Chapter
Year
$
$
$
$
$
Shares
535,131,457
543,050,152
555,038,294
555,302,874
570,226,641
Kauai Chapter
Shares
Loans
$ 5,983,999,956
$ 6,122,198,687
$ 6,156,148,715
$ 6,214,050,105
$ 6,364,749,557
Secretary
Members
$ 2,782,302,581
$ 2,675,953,171
$ 2,693,818,098
$ 2,798,645,682
$ 3,045,302,035
Robin Kim
Hawaii Schools FCU
561,039
550,917
551,240
553,056
550,131
Treasurer
Cheryl Nakai
Hotel & Travel
Industry FCU
Year
2011
2012
2013
2014
2015
CUs
8
7
6
6
6
President
Melvin Chiba
Kauai Community
FCU
$
$
$
$
$
Assets
625,666,614
648,820,162
683,367,480
708,034,128
757,548,628
Vice President
Corrine King
Kauai Government
Employees FCU
$
$
$
$
$
Shares
547,570,429
565,882,322
596,715,737
617,107,370
662,488,671
Secretary
Loans
$ 275,442,366
$ 283,199,590
$ 307,217,425
$ 321,427,751
$ 353,308,264
Charlene Garcia
Garden Island FCU
Members
54,789
55,042
54,861
55,425
55,841
Treasurer
Jacie Emoto
McBryde FCU
9
T
he Päkela Awards honor credit union professionals and volunteers for their commitment to
continuing education. Individuals qualify for the Päkela Award by attending 25 educational
credit hours of League workshops, schools, seminars, and conferences beginning July 1 each
year and ending June 30 the following year. It also recognizes individuals who receive certification
and/or designation in the following CUNA programs during the same period:
• Bank Secrecy Act Compliance Specialist (BSACS)
• Certified Credit Union Financial Counselor (CCUFC)
• Certified Credit Union Volunteer (CCUV)
• Credit Union Business Lending Professional (CUBLP)
• Credit Union Compliance Expert (CUCE)
• Credit Union Certified Marketing Executive (CUCME)
• Credit Union Enterprise Risk Management Expert (CUERME)
• Credit Union Security & Fraud Expert (CUSFE)
• Western CUNA Management School (graduated)
Outstanding Professionals
2015
Kekaha FCU
HELCO FCU
Small Asset Size Credit Unions
Medium Asset Size Credit Unions
Barbara Shozuya
Scot Tsuchiyama
CU Hawaii FCU
James Takamine
Large Asset Size Credit Unions
Hawaii Credit Union League Educational Credits
Aloha Pacific FCU
HMSA EFCU
Big Island FCU
Kamehameha FCU
CU Hawaii FCU
Kauai Community FCU
Paris Scott
Nicole Aguinaldo
Bank Secrecy Act
Compliance Specialist
Coast360 FCU
Danny White
Jessie Yanger
Norma Camacho
Kauai Community FCU
Tess Shimabukuro
Daniel Terada
Certified CU Financial Counselor
Margie Diaz
Janice Ignacio
Elsie Quenga
Certified CU Volunteer – Board
HawaiiUSA FCU
Jean Miyahira
CU Compliance Expert
Hawaii Central FCU
Phyllis Takemoto
Hawaii Credit Union League
Dorie Fitchett
Pearl Hawaii FCU
Connlie Barnes
Darlene Blas
Angelyn Delfin
Aloha Pacific FCU
Howard Okamoto
Community First Guam FCU
Coast360 FCU
Certified CU Volunteer –
Supervisory
HFS FCU
VictorVierra
CU Enterprise Risk
Management Expert
Coast360 FCU
Jessica Atalig
Western CUNA
Management School
2015 Graduates
CU Hawaii FCU
Josh Takayesu
HFS FCU
Jennifer Yogi
Darren Nishioka
James Takamine
Hamakua Coast Community FCU
Rhonda Carreira
Hawaii FCU
Steve Goo
Hawaii Community FCU
Jason Ayers
Tricia Buskirk
Kelly Gorloff
Melvin Ventura
Hawaii Credit Union League
Dorie Fitchett
Paula Sumimoto-Matsushima
Hawaiian Electric EFCU
Jae-Kila Oshiro
Pamela Sumimoto
HawaiiUSA FCU
Mark Komatsu
Valerie Ozaki
Tuyet Berhannan
Charmian Hoopai
Michael Garcia
Kekaha FCU
Scot Tsuchiyama
Maui FCU
Maile Gushiken
Maui County FCU
Gary Fukuroku Pearl Hawaii FCU
Antonio Mau
Schofield FCU
Ron Aoki
Valley Isle Commnity FCU
Greg Pick
Wailuku FCU
Layne Oishi
West Oahu Community FCU
Susanne Naweli
HELCO FCU
Barbara Shozuya
Amanda Teruya
HFS FCU
Timothy Ashcraft
10
11
2015
Fundraising
Highlights
5
9
1
6
2
3
12
In 2013, Hawaii’s credit unions embarked on its “5 In 5”
program to raise $500,000 in five years for a new building in the
Kapiolani Medical Center for Women and Children facility. Since 1998,
Hawaii’s credit unions have raised over $787,000 for Kapiolani Children’s
Miracle Network. The “5 In 5” pledge marks a new record for Hawaii
credit unions.
“Hawaii Credit Union League and the credit unions of Hawaii have
embraced Children’s Miracle Network Hospitals and its Credit Unions
for Kids program as a major fund-raising initiative,” noted Hawaii Credit
Union League President Dennis Tanimoto. “Funds raised stay in Hawaii
to benefit pediatric programs at Kapiolani Medical Center for Women &
Children—which has performed miracles for the people of Hawaii and
the Pacific Basin for decades.”
1. Golf, golf, and more golf! In April, HCUL/CUNA Mutual Group “5 In 5” charity golf tournament
7
4
FIVE YEAR GOAL
$500,000
8
raised $30,000. (L-R) Alan Arai, Amanda Price, Raelene Balidoy, Stan Hollen.
2. The Credit Unions of Maui second annual charity golf tournament in August raised $30,000.
3. Kauai Community FCU 16th Annual Charity Golf Tournament in September raised a record
$50,000.
4. Kahului FCU raised $1,197 by selling World’s Finest Chocolates (Seated L-R) Anya Rowa,
Gene Rivera & Ruby Ramos. (Standing) Guy Muraoka, Susan Emura, Stacey Nikaido, Jana
Hema, Leilani Kaopuiki, Wendy Kina, Sally Hernandez, Cynthia Sakamoto, Quincy Leong,
and Debbie Ajifu.
5. Hawaii Credit Union League CU Ohana Bowl-O-Rama in February was a striking success!
Team winner Hickam FCU’s Carrie Kato, Alva Kamiyama, John Souza, Delton Ho, Brian
Sawai.
6. Hotel and Travel Industry FCU’s sweet and savory bake sale in October was all kinds of
awesome.
7. Pearl Hawaii FCU participated in Miracle Jeans Day and raised over $500! (L-R) Call Center
staff Nadine N. Liko Glushenko, Shannon Garza-Cuales, Chelsey Distajo, and Marisa Cabo.
8. Aloha Pacific FCU’s Jo Ann Tatsuyama, Adam Bright, and Merlyn Fernandez work the bake
sale fundraiser.
9. Coinciding with the plastic bag ban on Oahu in July, a dedicated group of credit unions sold
reusable shopping bags to raise funds. Mahalo Garden Island FCU, Hawaii FCU, Hawaii
First FCU, Hawaiian Tel FCU, HawaiiUSA FCU, HFS FCU, Hickam FCU, HONEA FCU,
Maui FCU, NAVFAC FCU, OTS Employees FCU, Times FCU, Waialua FCU, and Windward
Community FCU.
(2015)
$135,728
(2014)
$137,909
___
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$0
13
H
HCUS Business Partners
CU Services Corporation (HCUS) performs
the procurement process for products and
services and manages business partner
relationships. Through “cooperative purchasing,”
HCUS harnesses the buying power of credit unions
to establish a single dominant presence in the market
place.
HCUS conducts research based on the collective
needs of credit unions, identifies the best service
providers, negotiates favorable terms and conditions,
awards contracts, markets programs to credit unions,
and administers programs.
Strategic business partners are selected on their
ability to provide turnkey solutions, exceptional
service, and competitive pricing.
Prior to signing a marketing agreement, HCUS
investigates the company’s viability, innovation, use
of technology, and alignment with the credit union
philosophy of “People Helping People.”
Advertising Specialties
Collections
Proforma Favorable Impressions provides advertising
specialty products to increase membership, stimulate
loan activity, promote savings, and celebrate
International Credit Union Week. www.pfihawaii.com
Auditing Services
CU Pacific Audit Solutions, LLC provides
professional auditing services, including fraud audits
and bond claims assistance, accounting, and related
services exclusively to credit unions at competitive
prices. www.cupacific.com
Automobile Dealer Lending
CU Direct Corporation offers a diverse, extensive
library of products and services designed to help
credit unions advance lending programs and achieve
overall portfolio success. www.cudirect.com
CUDL AutoSMART utilizes an online, co-branded,
state-of-the-art, auto-buying research and shopping
tool for credit unions and their members.
www.cudirect.com
Card Programs
FIS offers complete, turnkey credit card processing
services inclusive of card issuing, risk management,
plastics, and marketing services that take credit
programs from setup and launch to market retention
and support. www.fisglobal.com
LSC a division of ICUL Service Corporation offers
cost effective debit card program and a suite of
prepaid card programs, including Visa Gift
Cards, Visa Travel Money Cards, and
CUMONEY Everyday Spend Card.
www.lsc.net
14
TekCollect specializes in recovering negative shares,
credit card balances, auto loans, and all types of
pre and post charge-off accounts. Provides custom
accounts receivable management solutions for
financial institutions. www.tekcollect.com
Contract Renegotiating Services
Financial Services Solutions
Harland Clarke provides payment, marketing, and
financial services solutions including checks and
accessories; ATM, credit/debit card manufacturing
and personalization; mystery shopping; consumer
education; and youth marketing.
www.harlandclarke.com
Insurance Products
CUNA Mutual Group offers a wide variety of
insurance products, from bond coverage to credit
disability, and term life. Lending expertise also helps
credit unions increase loan portfolios.
www.cunamutual.com
Farmers Insurance Hawaii offers special group
discount vehicle and other insurance programs,
including homeowners, renters, cancer, long-term
care, and personal umbrella coverages. Credit unions
can also earn additional income.
www.farmershawaii.com
Mass Communication System
JMFA Contract Optimizer provides a free expert
analysis of your service contracts to discover areas
of savings and improved service. By managing the
process, JMFA saves your staff time and provides
unbiased recommendations. www.jmfa.com
Everbridge offers a comprehensive notification
system that keeps everyone informed before, during,
and after emergency or non-emergency events.
Enables users to send notifications to individuals or
groups using lists, locations, and visual intelligence.
www.everbridge.com
Document Destruction and Storage
Membership Enhancement
Access Information Management offers destruction
facilities and services on Oahu and the neighbor
islands and are AAA Certified by the National
Association for Information Destruction for
paper, electronic media, and computer hard drive
destruction. www.accesscorp.com
Electronic Lien & Title Service
DealerTrack Collateral Management Services
provides expertise in securing vehicle collateral
between the borrower and lienholder and is the
largest vehicle collateral management company in
the United States. Affiliation with all 50 states gives
FDI insight to the changing legislation and titling
process. www.fdielt.com
Financial Management Programs
CUNA Mutual Group Members Financial Services
helps credit union members reach their financial
goals through comprehensive personal financial
management programs.
www.cunamutual.com
AutoLine Marketing Group, LLC provides a member
reward certificate to reduce the risk of having your
member loan “flipped” at the dealer. Depending on
the dealer visit outcome, your member receives a free
$20 gas or $50 Visa gift card. AutoCash program is
free for your credit union. www.myautoline.com
Love My Credit Union Rewards offers exclusive
incentives from U.S.-based companies, including
Sprint, TurboTax, and others. Increase membership
and satisfaction while providing an economic
stimulus and reinvesting in community services.
Receive free marketing kits and more when your
credit union signs up. www.lovemycreditunion.org
Mobile Solutions
LSC a division of ICUL Service Corporation provides
cutting edge mobile solutions to attract and retain
members and help credit unions compete.
www.lsc.net
Office Supplies
Hopaco OfficeMax offers discount pricing for credit
unions on a full line of office solutions—from
supplies to equipment to furniture. Online ordering
and free delivery. www.officemaxworkplace.com/
Overdraft Privilege Program
John M. Floyd & Associates provides a valuable,
fully compliant service to members. Your credit
union receives recommendations for disclosures,
notifications, member education materials, and
procedural changes reviewed by state and federal
examiners without criticism or negative remarks.
www.jmfa.com
Private Student Lending Network
LendKey powers the cuStudentLoans private student
loan program, which has common underwriting and
pricing as well as loan participation to enhance risk
mitigation. www.custudentloans.com
Vendor Management/Business Continuity/
Disaster Recovery/Information Security
Advanced Fraud Solutions helps credit unions
fight fraud at all deposit locations, through card
transactions, via online banking accounts, and checks.
Advanced Fraud Solutions’ products proactively
identify fraudulent activity before credit unions are
exposed to potential threats.
www.advancedfraudsolutions.com
Buckley Technology Group provides credit unions
with the expertise, products, and services to protect
information assets, secure technology systems and
manage data productively, vendor risk management,
business continuity, information security,
ecommerce, and web site compliance.
www.buckleytechgroup.com
Sprint Wireless Services makes membership even
more valuable by offering exclusive discounts
for consumer and business accounts. Marketing
incentives make it profitable and free marketing
materials make it simple. Credit unions receive
revenue sharing opportunities.
www.SprintCUcorp.com
15
System Related Organizations
CUNA & Affiliates
Jim Nussle, President/CEO
Phone: (608) 231.4000
(800) 356.9655
www.cuna.org
CUNA Washington, D.C.
Big Island Credit Union Managers’
Association
Nicole Aquinaldo, President
Phone: (808) 930.0232
Kauai Credit Union Managers’ Association
Phone: (202) 638.5777
Keith Uyeno, President
Phone: (808) 977.8760
CUNA Mutual Group
Maui Credit Union Managers’ Association
Robert Trunzo, President/CEO
Phone: (608) 238.5851
(800) 937.2644
www.cunamutual.com
CUNA Mutual Group, Western Marketing
Division
Troy Mooney, Vice President Sales
Phone: (800) 356.2644
www.cunamutual.com
Defense Credit Union Council
Roland Arteaga, President/CEO
Phone: (202) 638.3950
www.dcuc.org
Filene Research Institute
Mark Meyer, Executive Director/CEO
Phone: (608) 231.8550
www.filene.org
National Credit Union Foundation
Gigi Hyland, Executive Director
Phone: (608) 232.8198
(800) 356.9655 ext. 5743
www.ncuf.coop
National Federation of Community
Development Credit Unions
Cathie Mahon, President/CEO
Phone: (212) 809.1850
(800) 437.8711
www.cdcu.coop
Kelly Tobita, President
Phone: (808) 242.2997
Credit Union Executives Society (CUES)
John Pembroke, President/CEO
Phone: (608) 271.2664
(800) 252.2664
www.cues.org
Hawaii Rainbow Council, CUES
Norman Okimoto, President
Phone: (808) 832.8700
National Credit Union Administration
(NCUA)
Deborah Matz, Chairman
Mark Treichel, Executive Director
Phone: (703) 518.6300
Consumer Assistance: (800) 775.1030
Investments Hotline: (800) 755.5999
Fraud Hotline: (800) 827.9650
www.ncua.gov
NCUA Region V Office, Tempe, Arizona
Elizabeth Whitehead, Regional Director
Phone: (602) 302.6000
NCUA, Hawaii
Jeff Oswalt, Supervisory Examiner
Phone: (800) 827.6282 ext. 3569
Disabilities have financial consequences for
credit union members, but your credit union
may feel the impact, too.
And that, in turn, helps to reduce your credit
union’s risk of bearing a defaulted loan, while
increasing non-interest income.
That’s why CUNA Mutual Group’s Lending Suite
includes Debt Protection, MEMBER’S CHOICE®
Credit Life and Credit Disability Insurance.
These products help create a safety net for
members by offering loan payment relief when
the unexpected happens.
Each product in our Lending Suite is effective by
itself. But they’re designed to be used together.
Credit unions that offer multiple products
from the Lending Suite have a higher return on
assets than those that don’t1. To learn more, call
800.356.2644 or visit cunamutual.com.
CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and
affiliates. MEMBER’S CHOICE® Credit Life and Credit Disability Insurance are underwritten by CMFG Life Insurance Company.
World Council of Credit Unions
Brian Branch, President/CEO
Phone: (608) 395.2000
www.woccu.org
16
CUNA Mutual Group, Internal Reports, 2014
CD, CDCL, CL, DP-1048981.2-1014-1116 © CUNA Mutual Group, 2014 All Rights Reserved.
1
Common Purpose. Uncommon Commitment.
17
TrueChecks®
The Best Way to Fight Fraud
is to Prevent It
Call us to learn more about our
Fraud Prevention tools
(866) 663-4709
www.advancedfraudsolutions.com
Credit Union membership has
its benefits ...
Join the "Neighborhood Watch"
approach to fighting fraud:
• Real-time responses that prevent losses due to
Counterfeit, NSF, and Closed Account fraud.
• Reg CC recommended actions and associated risk.
• Accessible via our web-based portal, or integrated
directly with teller, branch and item processing
platforms.
• Collaborate with financial institutions in your area
and nationwide to fight fraud.
Here’s why your members should switch to
Farmers Hawaii for their auto insurance needs:
• Special rates for credit union members
• Special dedicated line just for credit union members
Your Credit Union members could save an average
of $378* a year on auto insurance!
Oahu: 543-3609
Neighbor Islands: 1-800-597-5994
Farmers Insurance Hawaii, Inc.
500 Ala Moana Blvd., Six Waterfront Plaza, Third Floor, Honolulu, HI 96813
*Average savings from information provided to us by new policyholders from 6/01/15 to 10/07/15 which showed that they saved
by switching to Farmers Hawaii. Underwritten by 21st Century Centennial Insurance Company.
18
19
When your Credit Union partners
with CU Direct, you gain the solutions
you need to HELE on down the road
quickly with a lot more ALOHA!
Situation:
WE NEED TO OFFER MORE TO OUR MEMBERS
BUT ALSO INCREASE OUR REVENUE.
Hassle-free,
one-click account switching
Consumers think switching banks is a real hassle.1
Inactive accounts are a hassle for you. ClickSWITCH changes
that. A turnkey, fully automated account switching solution,
ClickSWITCH simplifies activation for you and your new
account holders with the click of a mouse. In just 10 minutes,
they can initiate secure transfers of recurring transactions,
deposits and online bill pay from former financial institutions
to yours. Easy for them. Increases activation rates for you.
It just clicks.
harlandclarke.com/ClickSWITCH
For lending and sales solutions,
go to the Direct source.
Since 1994, CU Direct has been the leading advocate for the
Solution:
JMFA
1
Consumersunion.org, Trapped at the Bank, September 2013
© 2015 Harland Clarke Corp. ClickSWITCH is a trademark of the Fusion Network. All rights reserved.
HC-ClickSWITCH-Ad-3.5x5-bw_text.indd 1
9/29/15 1:29 PM
credit union movement. We are credit union- owned. Credit
union-focused. And CUSO driven. Through exceptional
products and services, at surprisingly affordable prices, we
create exponential value for all credit unions.
Our broad range of innovative lending solutions help
make you more successful:
Marketing Ideas To
Help Your Credit
Union Grow!
• Analytics – Lending Insights
• Lending – CUDL, OnSpot Financing, Lender’s Protection
At JMFA we know you’re faced with challenges to meet your members’
needs, reduce expenses and enhance income all while staying compliant
in today’s fluctuating regulatory environment. For over 35 years we’ve
helped thousands do just that. Whether it’s recovering lost revenue,
serving members better, improving processes, implementing a solid
recruiting strategy or delivering a 100% compliant overdraft program, we
can customize a solution to help you not only meet, but exceed your
goals. Call us today.
• Application Technology – CUDL, Lending 360
• Marketing – AutoSMART, Mobile App
• Non-Interest Income – GAP, Vero’s Identity Theft
Protection & Recovery
Achieve greater sales efficiencies. Reach higher profits.
And provide superior service.
Find out how CU Direct can provide a better experience for
your credit union members, call Andrea Hussey-Leong at
808.782.4960 or visit our website at www.cudirect.com.
• Increase Membership
• Stimulate Loan Activity
• Promote Share Savings
• Create Credit Union Loyalty
• Celebrate Credit Union Week
• Provide Annual Meeting Gifts
• Staff Recognition
• Volunteer Recognition
www.pfihawaii.com • [email protected]
Milt Yamada • (808) 271-1517
20
JMFA OVERDRAFT PRIVILEGE® • RECRUITMENT SERVICES
JMFA CONTRACT OPTIMIZER • PROCESS IMPROVEMENT
REVENUE ENHANCEMENT & EXPENSE MANAGEMENT
BUSINESS STRATEGIES & PLANNING
www.JMFA.com | 800-809-2307
Key to Your CU’s Success
HCUS Business Partners
© 2016 John M. Floyd & Associates, Inc. J|M|F|A® and JMFA Overdraft Privilege® are registered trademarks of John M. Floyd & Associates, Inc.
21
ACCESS IS A PROUD
SUPPORTER OF THE
HAWAII CREDIT
UNION LEAGUE.
Your Single Source
For credit, debit, ATM, mobile solutions and pre-paid services
Let LSC be your one-stop shop and see how easy your payment services can be, even in today’s complex environment. We offer
multiple plastic platforms to guarantee full integration to any core processor, with flexible and comprehensive Reward options to
help grow your programs. Our experienced Portfolio Development Team assists with managing and developing your marketing
promotions, as well as provides tracking and benchmarking tools to monitor your success. We help you attract and retain valuable
members by offering all the major ATM network relationships including surcharge-free options, together with a highly advanced
Mobile Solution with Remote Deposit Capabilities — making you more competitive in today’s marketplace. We handle all customer
service and implementations in-house for higher quality and controlled costs for your credit union. For a customized program,
partnering with LSC could be your single best decision.
Access is the nation’s largest privately held records
and information management company with a mission
entirely focused on your satisfaction: to lead the
industry by providing our clients the very best service.
To get started with your credit, debit, ATM, mobile solutions or pre-paid card programs, call LSC at 800-942-7124 and
ask for LSC Administration
800.942.7124
With Access, you will find a unique commitment to
providing a world-class RIM service that couples
innovative solutions with unsurpassed customer
service. It is an unwavering focus on continually
improving our relationship that strengthens our
ongoing engagement with every client.
WWW.LSC.net
A Partnership In Service …. Helping Credit Unions Compete
LSC is a division of ICUL Service Corporation
Looking for quality ROI (Release of Information)
or microfiliming services, but can’t find a reliable
provider? Call us today at 808.673.3200 to find out
more about these specialized services that we can
provide you.
®
HAWAII
808.673.3200
22
InformationProtected.com
23
24
25
TIME TO SIMPLIFY LIFE?
25%
Title Policy
DISCOUNT
This rate available upon
request to members
of Hawaii Credit Union
League affiliates. It
applies to a standard
coverage Owner’s policy.
The Hawaii Credit Union
Rate is computed at 75%
of the applicable Basic
Charge for Owners and
Lenders Insurance set
forth in our rate
schedule. Minimum
charges apply.
888.608.NEXT
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27
Responsive + Resourceful + Respectful
Ashford & Wriston is proud
to provide legal services to the
Hawaii Credit Union League and
Credit Unions throughout Hawaii.
Michael Vieira
Kevin Herring
Francis Hogan
John Lockwood
Jill Hasegawa
Connie Chow
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Clara Park
Benjamin Creps
Sara Simmons
Compliance & Consumer
Protection; Notices,
Agreements
& Disclosures;
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Protection + MemberLitigation;
Agreements
Disclosures &
+
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Bankruptcies; Garnishments,
convenience
Subpoena & Liens; Governance;
Loan Documentation, Notes
& Mortgages; Trusts, Fiduciary
Accounts, POAs & Probate;
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Transactions & Leasing; Business
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999 Bishop Street, Suite 1400
Honolulu, Hawaii 96813
808-539-0400
www.ashfordwriston.com
scalability
TAKE CONTROL OF
TOMORROW. . .TODAY™
EMPLOYEE BENEFITS
PRE-FUNDING
Employee Benefits Pre-Funding is a strategy
that can help you offset eligible long-term
employee benefit expenses as:
Health Care Expenses
401(k) Match
Executive Benefits Solutions
specializes in the development
of investment strategies to help
credit unions control employee
benefit expenses and retain the
key executives who implement
and manage those strategies.
Pension Contributions
Long Term Disability Premiums
1603 Carmody Ct., Ste. 300
Sewickley, Pennsylvania 15143
Toll Free 877.720.6886 Ext. 501
[email protected]
3516 NW Logan Ct.
Camas, WA 98607
Phone 503.801.1054
[email protected]
innovation
accessibility
revenue
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- Paul Peterson
Group Life, AD&D Insurance
Dental & Vision Premiums
Long Term Care Insurance Premiums
CFO, Ocean Communities
Federal Credit Union
Post Retirement Health Care
Avoid decreasing your employee benefits
coverage, increasing deductibles and raising
co-pays by considering an Employee Benefits
Pre-Funding Program for your credit union.
Securi�es offered through LPL Financial, member FINRA/SIPC. Investment advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor. Stratos Wealth
Partners, Ltd.. and Execu�ve Benets Solu�ons are separate en��es from LPL Financial.
It is not our posi�on to offer legal or tax advice. The investments products sold through LPL Financial are not insured credit union deposits and are not NCUA insured. These
products are not obliga�ons of a credit union and are not endorsed, recommended or guaranteed by any credit union or any government agency. The value of the investment
may uctuate, the return on the investment is not guaranteed, and loss of principal is possible. Copyright © 2016, ExecuƟve Benets SoluƟons. All rights reserved.
ATM
Card Payments
Health Savings Account Contributions
www.EBSToday.com
28
SIMPLE
Short Term Disability Premiums
457(f) Plans
For More Information Contact:
EXECUTIVE BENEFITS SOLUTIONS
(Two Locations)
It’s been a huge
game changer for us.
This is a must-have
relationship.
MAKING
security
Connect
Want to drive
profit and growth?
NOW YOU CAN
CO-OP Member Center
Greater convenience. Enhanced security. The latest technology.
One partner empowers you to deliver it seamlessly. Shaped by an
unmatched level of consumer insights, every CO-OP solution lets you
deliver relevant, timely products and services, many conveniently linked
through CO-OP Connect—the only credit union owned, real-time
good funds network. Simplicity starts here—CO-OPfs.org/solutions
Engagement
Security Innovations
© 2015 CO-OP Financial Services
CF15156_Brand_HawaiiCU_75x10_r0.indd 1
29
12/23/15 12:03 PM
Covina, CA
Westminster, CO
Warrenville, IL
Southfield, MI
Albany, NY
Serving
Credit Unions of Hawaii
and over
800 more nationwide
Risk Management/Consulting
-
Broker/Dealer*
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Investment Advisory
Please stop by our booth and say “Aloha” to David Scott and Danny McIntyre.
EXECUTIVE COMPENSATION
AND BENEFITS CONSULTING
Your security depends upon our dependability. Gain peace-of-mind and innovative
solutions to meet your strategic goals through BFB Gallagher’s proven focus on:
www.balancesheetsolutions.org
(888) 796-6389
*Broker/Dealer Services through ISI, Member FINRA/SIPC.
•
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•
Administration
•
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BFB GALLAGHER provides Credit Unions with exceptional solutions for recruiting,
rewarding, and retaining talented executives. Our solutions are custom-designed to
meet your specific needs, from board education and design to implementation and
administration. We lead the industry in federal and state regulatory compliance, always
ensuring your plans meet the latest compliance requirements.
CUtopia
A division of Worldwide Interactive Services, LLC
The Joy of Communication
We Print...and more!
OFFSET PRINTING • DIGITAL & PERSONALIZED VARIABLE PRINTING
DIRECT MAIL SERVICES • PROMOTIONAL SPECIALTIES • CREATIVE SERVICES
PREMIER JAPANESE LANGUAGE SERVICES • FULFILLMENT SERVICES
1052 WAIMANU STREET, HONOLULU, HI 96814
PHONE: 808 591 6286 (OBUN) // FAX: 808 591 9479
WWW.OBUNHAWAII.COM
EMAIL: [email protected] //
30
Christopher M. Pfeiffer
Account Manager
6900 S. Orange Blossom Trail, Suite 200
Orlando, FL 32809
Phone: 407-791-9791
Email: [email protected]
Web: www.cutopiasolutions.com
CUtopia, a division of Worldwide Interactive Services, LLC has been
serving credit unions for the past 20 years. Offering a complete line of
mission critical applications’ including core data processing, internet
access, mobile access, audio response, investment tracking and ATM
reconciliation, CUtopia is your single source vendor. Designed for the
demands of today’s credit union, OASys, CUtopia’s core data
processing solution, is offered in both an on-prem and cloud based
Application-as-a-Service models. With realtime interfaces for ATM,
online account access and loan applications, cash recyclers, and more,
OASys can support the most basic to demanding environments.
iTeller, mTeller and vTeller are the foundation of our eSuite platform.
Integrated to over 35 different core data processing solutions, including
OASys, iTeller, mTeller, and vTeller can be installed together, alone or
any combination to support your electronic member service needs.
Saving time and money, our ATM reconciliation and investment tracking
tools are used by credit unions across the country.
Executive Benefits
Benefit Liability Management
Institutional Asset Management
877-332-2265
BFBbenefit.com
Contact: Tom Telford
Securities and Investment Advisory Service offered through NFP Advisor Service, LLC, Member
FINRA/SIPC. NFP Advisor Service, LLC is not affiliated with Burns-Fazzi, Brock (BFB), Arthur J.
Gallagher & Co. or Gallagher Benefit Service, Inc.
[email protected]
PREMIER
SUPPLIER
MEMBER
31
I want solutions
that aren’t so
one-size-fits-all.
Try this on
for size.
WHAT DOES IT TAKE TO CREATE FULLY INTEGRATED
AND TRANSFORMATIVE BANKING EXPERIENCES?
FIND OUT AT DIEBOLD.COM/FITbanking.
Say aloha to
free access by
saying aloha to
surcharge fees.
All Hawaiian credit unions processed by Vantiv get
free access to American Savings Bank ATMs.
Vantiv provides industry leading debit and credit card
portfolio growth and a fraud engine unlike any other
processor in the United States.
© Copyright 2016 Diebold, Incorporated.
All rights reserved.
Discover the advantage of Vantiv with our
local relationship manager — we are kama’aina.
eplinc.com
CORE SOFTWARE & TECHNOLOGY SOLUTIONS
Stop by our booth for giveaways
and attend “Attracting and
Engaging the Young Adult Market,”
presented by George Hofheimer
of Filene Research Institute on
Saturday, April 23,
from 9:15-10a.m.
FULLY CUSTOMIZED, NEVER STANDARD
Get Connected and Experience the i-POWER® Difference
EPL’s i-POWER® and i-KNOW™ Connection Suites provide core software and technology solutions that help reduce
costs, streamline front and back-end technologies, and transform member relationships. Our customized, “total
resource” solutions will help you drive revenue by attracting and retaining loyal members.
Are you ready to Get Connected? Find out how at eplinc.com.
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©2016, Vantiv, LLC. All rights reserved
33
[email protected] • 1-800-301-1347
HOW WE CAN HELP:
• Tracking your mail
• eNotice – paperless billing and statements
• Full Service IMb – the least expensive postage
• Certified Mail – receipt of signatures via PDF!
• Overall print and mail cost reductions
• Customer service that exceeds your expectations!
The Master’s Touch Print & Mail has a SOC 1 Type II Audit performed annually.
Acquire New Accounts
Manage Overdrafts
Generate Fee Income
Increase Transactions
Drive Member Loyalty
Stay Compliant
www.MyVelocity.com
NO-COST BENEFIT
FOR YOUR MEMBERS
Health Services Discount Card
This valuable benefit is available
to your Credit Union members at
no cost for one year. The discount
program provides up to 60%
discounts on prescriptions, vision,
hearing, and chiropractic services.
Discounts are provided at point of
service on covered health services
for the member and immediate
family members residing in their
household. This is NOT insurance,
and there are no forms to file.
Please contact us to have an AIL
representative visit your Credit
Union to discuss the Health Services
Discount program and other benefits
AIL can offer your members.
www.ailife.com
Dion Dizon
Protecting Working Families
AMERICAN INCOME LIFE
Public Relations
808.291.2626
1.866.797.6455
VISIT OUR BOOTH AT THE
HAWAII CREDIT UNION LEAGUE
78TH ANNUAL CONVENTION
insurance company
34
35
WHY BYTESPEED?
Your Leading Custom Hardware Provider
Actionable data insights at your fingertips
•
•
•
Make sure to
stop by the
ByteSpeed booth
& sign up to
Speed to quickly analyze consumer credit data
Ease of greater access to and use of unprecedented
volumes of data
Flexibility to unleash insights without the need for
other resources
transunion.com/prama
In-House Tech Support
There are no hassles and you can speak to the same
technician every time you call!
cuso
Free Custom Imaging Services
Your master image can easily be duplicated on multiple
systems, saving you time and money deploying several
machines, as well as reducing deskside setup time.
Free Shipping
We offer free shipping and handling on purchases, and
we also pay freight both ways on parts covered under
warranty.
WIN A GRAND
PRIZE!
Industry Leading Warranties
Desktops, servers, & thin clients/zero clients have a 5 yr
warranty. Laptops have a 3 yr warranty (+ 1-yr battery).
Netbooks have a 1-yr or 2-yr warranty depending on the
model (+ 1-yr battery).
“A community joined
together for a
common purpose.”
FREE 30 DAY EVALUATION
We know it’s a difficult decision to buy from a new company.
That’s why we offer a risk-free evaluation to test our products and experience our outstanding service and support
first hand. We promise to exceed your expectations. Give
me a call or email today!
WWW.BYTESPEED.COM
Toll Free: 877.533.0777 ex. 492 | Email: [email protected]
pscu.com
844.367.7728
Enterprise Content Management and
Document Imaging Solutions
financial services
the speed of life
SM
Core Integration
and Capture
Automated Document Processing
Business Process Management
and Workflow
04 : 47 : 00 PM
I keep forgetting to pay my credit card bill.
04 : 48 : 00 PM
I paid my credit card bill.
Archive and Web Access
Just Add Content
www.mviusa.com
www.mviusa.com
888-684-6684
36
Think it. Do it.
Money movement at
the point of thought.
fiserv.com /speed
© 2016 Fiserv, Inc. or its affiliates. All rights reserved.
37
Employees enter.
Leaders emerge.
F
or more than half a
century, Western CUNA
Management School
(WCMS) has helped up-andcoming staff members become
highly productive leaders at
their credit unions.
The school’s challenging
curriculum gives your staff
the depth of knowledge and
breadth of experience they
need to drive your organization
to greater success.
WCMS graduates will return
with a full understanding of
your entire operation—and the
motivation and commitment to
contribute perhaps even more
than you thought they could.
July 10–22, 2016
Pomona College—Claremont, California
Western CUNA Management School
Building the Future Through Credit Union Education
+ Curriculum covers Strategic Planning, Operations, Finance, Marketing,
Lending, Human Resources, Technology, Business Development,
Economics, Business Law, Communications, Leadership, and
much more
+ Highly concentrated academic training over three yearly
two-week terms
+ The American Council on Education’s College
Recommendation Service (ACE Credit) has
evaluated and recommended college credit for
Western CUNA Management School courses
+ Located at Pomona College, perennially ranked as
one of the nation’s premier colleges
For more information, visit www.wcmspomona.org or call 800.472.1702, ext. 6059
+1 (888) 840-0089
38
nymbus.com
39
40
Hawaii Credit Union League
1654 South King Street
Honolulu, Hawaii 96826-2097
www.hcul.org