The latest from John Dearing

Feb 23, 2022 - by John Dearing, Capstone Strategic

Is acquisition really an effective growth strategy?

Growth within the credit union industry in recent years has been extraordinary. At the end of 2021, combined credit union assets were estimated at just under $2 trillion.  Along with ...

Nov 19, 2021 - by John Dearing, Capstone Strategic

Credit unions: Valuation and M&A transactions

Whether it is the increasing number of credit union mergers, growing interest in acquisitions of community banks and branches, or even investments in fintechs by credit unions and CUSOs, understanding ...

Mar 17, 2021 - by John Dearing, Capstone Strategic

4 ways to take your credit union to the next level

In today’s dynamic economic environment, credit unions continue to face regulatory challenges and competition from challengers as well as big banks with big pocketbooks. The industry actually experienced a ...

Nov 17, 2020 - by John Dearing, Capstone Strategic

4 reasons credit unions partner with CUSOs

In this financial marketplace dominated by goliath banks, credit unions stand apart due to their collaborative nature and commitment to service. Credit Union Service Organizations (CUSOs) have the same spirit ...

Aug 20, 2020 - by John Dearing, Capstone Strategic

4 things credit unions need to know about strategic mergers & acquisitions

As the world adjusts to the new normal, some organizations are struggling to adapt whereas others are thriving. Credit unions are no different. COVID-19 has caused disruption to the normal ...

Dec 17, 2019 - by John Dearing, Capstone Strategic

4 things credit unions should focus on to attract Gen Z

“Generation Z” is the generation following Millennials. Pew Research has defined Gen Z as anyone who was born after 1996. They grew up with technology, supposedly tend to maintain shorter ...

Sep 13, 2019 - by John Dearing, Capstone Strategic

5 reasons millennials should join a credit union

Millennials are the largest living generation in the United States. Based on current  projections, millennials are expected to overtake Baby Boomers in population as their numbers swell to 73 million ...

Mar 18, 2019 - by John Dearing, Capstone Strategic

Credit union membership growth reaches record high –3 ways to build on this success

Credit unions continue adding members at a record pace. Membership grew by a record-high 4.5% as of end-2018 (up from 4.1% in 2017), fueled by strong U.S. ...