The latest from Michael Cochrum

- by Michael Cochrum, CU Direct

Moving beyond out-of-the-box models

I’ve been working in and with credit unions for over fifteen years and in financial services for over twenty five. Based upon my experience, I believe that there is ...

- by Michael Cochrum, CU Direct

Demystifying static pool analysis

As I work with and educate credit unions across the country on loan portfolio analytics, Static Pool Analysis seems to be one of the most confusing and difficult to understand ...

- by Michael Cochrum, CU Direct

Why fact-based decisions are better than intuition

Over the past several years, credit union leadership has been challenged by regulators to document processes that heretofore had been credited to experience.  It is understandable that leaders with successful ...