Writing
Working notes on operations, leadership, and AI in credit unions. Some are ideas I am still testing. The build notes describe tools we made at Illinois State and what they do.
August 8, 2026
ProjectMap - Seeing a Conversion in One Place
We are in the middle of two conversions right now. Between them there are numerous vendors and systems that connect in.
July 30, 2026
CU Bench: Peer Benchmarking on Public NCUA Data
Every credit union files a call report with the NCUA each quarter, and all of it is public.
April 25, 2026
The Co-Evolution Imperative
This white paper examines branch transformation in community credit unions, proposing that successful change requires both institutional adaptation and shifts in member behavior.
April 18, 2026
Motivation That Actually Works
Most systems are still built on carrots and sticks, and that's exactly why they keep failing on the work that matters most.
April 9, 2026
Start From Scratch
If you could rebuild your credit union today, what would it look like, and what are you willing to change to make it happen?
March 19, 2026
How you make people feel is the best product a credit union can offer.
What truly sets a credit union apart is how it serves its members every day.
March 19, 2026
Structure Doesn't Replace Authenticity
The power of conflicting values.
January 17, 2026
The Myth of the Rate-Driven Consumer
In a world where convenience and time often come before money in everyday decision-making, does rate really still matter?
January 10, 2026
AI for Pattern Recognition - A Use Case for Lending
A practical, easy plug and play use case for AI is pattern recognition.
January 10, 2026
AI Underwriting - Income Focused Underwriting Tool
An underwriting tool built using AI (Claude), trained on historical loan performance and loss analysis.