The Members Group CEO Makes Predictions for 2012

Kelly Moore Consulting (for TMG – The Members Group)

(Des Moines, Iowa – November 9, 2011) – In a newly released white paper, Shazia Manus, CEO of The Members Group (TMG), names the four areas on which she believes community financial institutions (FIs) will focus in 2012. 

A former credit union CEO, Manus predicts that leadership at community FIs will push their teams to develop competencies in: 1) profitability, 2) efficiency, 3) product/service mix and 4) deeper customer relationships.

“On the surface things may appear calm, but underneath currents are swirling and business fundamentals and structures are being transformed rapidly,” Manus writes in the paper. “CEOs and their executive teams, boards and staff must begin the strategic visioning process by asking a tough question: Does our business model still work?”

Manus goes on to explore each of the four areas of focus, sharing what tactics she believes will be popular among FI CEOs. In the category of profitability, these tactics include evaluating new streams of revenue. In efficiency, Manus discusses elements like branching and the technologies capable of lowering expenses. The product and service mix, she believes, will evolve to include more “lifestyle bundles” and deeper customer relationships, Manus writes, will stem from a larger commitment to cross-selling. 

The white paper, “The Road Ahead: Four Very Important Competencies for Community FIs in 2012” can be downloaded at

About TMG 

TMG is a wholly-owned subsidiary of the Affiliates Management Company, which is owned by Iowa credit unions and their members. As a financial and credit union service organization (CUSO), TMG is dedicated to providing innovative and flexible card processing and payment solutions to credit unions and financial institutions across North America. TMG’s core products include credit, debit, ATM and a variety of prepaid solutions, as well as online reporting, item processing, ACH and ALM services. TMG’s prepaid card products are branded ATIRA. For more information, visit



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