NCOFCU-26

BSA/AML Updates and certification.
Examiners are looking for this training…volunteers need to be familiar with BSA requirements. Attendees will walk through an overview and historical background of BSA and learn the specifics every board must actively keep up with, such as BSA policy, risk assessment, ongoing training, and Suspicious Activity Report filings.

CEO Meet and Greet
CEOs of credit unions serving first responders come together in this peer-to-peer setting and speak openly. Successes, challenges, strategy, implementation. It’s all about leveraging the knowledge of fellow leaders who’ve been-there-done-that. It’s a great connection point for forward-thinking CEOs to network, gather insights and walk away with some new ideas, fresh approaches, and renewed enthusiasm.  

As a credit union director, it is crucial to understand your credit union's financial statement because it provides a comprehensive overview of the organization's financial health. The financial statement contains important information about the credit union's assets, liabilities, income, and expenses, which can help you make informed decisions about the organization's future.

By understanding your credit union's financial statement, you can identify areas of strength and weakness, and make strategic decisions to improve the credit union's financial performance. For example, if you notice that the credit union's expenses are increasing faster than its income, you may need to adjust the budget or look for ways to increase revenue. Similarly, if you see that the credit union's loan portfolio is growing rapidly, you may need to ensure that the credit union has adequate reserves to cover potential losses.

Furthermore, understanding the financial statement can help you fulfill your fiduciary responsibilities as a credit union director. You have a duty to act in the best interests of the credit union and its members, and understanding the financial statement is essential to fulfilling this duty. By monitoring the credit union's financial performance and making informed decisions, you can help ensure the long-term success of the credit union and its ability to serve its members.

In summary, understanding your credit union's financial statement is critical to making informed decisions, identifying areas of strength and weakness, fulfilling your fiduciary responsibilities, and ensuring the long-term success of the credit union.

We are so excited to have you all here and to share with you the amazing things we have planned. We have a great lineup of speakers, workshops, and activities that will help us all learn more about the topics that matter most to us.

We hope that this conference will be a place where we can come together to share ideas, learn from each other, and build relationships. We also hope that it will be a place where we can find inspiration and motivation to take action in our own lives.

So let's get started! Let's make this an amazing event and create something special together.

Fire Dept. Honor Guard

Each exhibitor will have a few minutes to tell you about themselves and invite you to their booth.

Strategic Scenario Planning in Uncertain Times: Because Nostradamus Retired EarlyIf you’re serving on a credit union board, congratulations. You’re a volunteer who willingly signed up to guide an institution in a world that looks like a badly written dystopian novel. Pandemics, inflation, talent shortages, tech disruption, AI deciding it wants your job—these are the plot twists. And, spoiler alert, you don’t get to close the book and walk away.

That’s why “strategic scenario planning” has become the new hot buzzword in board governance circles. Don’t worry: this isn’t another corporate fad, like “synergizing our holistic mindfulness KPIs.” Scenario planning is simply what happens when you admit you don’t actually know what the future holds (and yes, your strategic plan still pretends otherwise). It’s about creating structured “what ifs” so that when life happens—and it will—you’re not left blinking into the boardroom’s fluorescent lights saying, “Well, nobody could’ve seen this coming.”

TIM Transform Inspire Motivate
Tim Harrington, CPA RET
President, Timothy P. Harrington, Inc. dba TEAM Resources
[email protected], [email protected]
Office: 520-290-5721 Fax: 520-290-8378 Cell: 520-906-7501

A comprehensive economic update as we approach 2027, and what looks like massive political shifts. This session will explore the latest economic trends, regulatory developments, and market dynamics that could impact the financial landscape this year and beyond. Gain valuable insights to guide your strategic planning, manage risk, and seize opportunities in a rapidly changing environment as Curt addresses:  

• The Economic Outlook
• Interest Rate Forecast
• Credit Union Industry Trends
• Data Driven Advocacy

Steven Rick
Chief Economist
TruStage
Insurance | Investments | Technology
 Named by Forbes as one of America’s Best Insurance Companies 2024.
O 608.665.5454 | M 608.692.2083
[email protected]

Scott F. Simpson 
Scott Simpson is the president/CEO of America’s Credit Unions, a national trade organization representing the unified voice of the credit union movement and the 144 million members it serves.

Scott has served for more than 22 years in the credit union movement, including leading Utah’s Credit Unions, California’s Credit Unions, and Nevada’s Credit Unions. He is inspired by the power of credit unions to change people’s financial lives and holds a lifelong belief in the power of not-for-profit financial cooperatives.

His mission at America’s Credit Unions is to energize and amplify the life-changing impact credit unions create every day, while also enhancing credit unions’ bipartisan appeal among elected officials and policymakers in Washington, D.C.

Scott has served on the boards of America’s Credit Unions (and legacy organization CUNA) and the American Association of Credit Union Leagues. He also chaired the Credit Union Legislative Action Council (CULAC), and the National Advocacy Fund.

Prior to joining the credit union movement, Scott worked on the staff of Sen. Orrin Hatch, and led the Utah Republican Party. A Utah native, Scott holds a bachelor’s degree in public relations and Japanese from Weber State University and is an instrument-rated private pilot.

Scam attempts often increase exponentially during the holiday season. Fortunately, it is possible to defeat a scam attempt by familiarizing yourself with the warning signs before you get scammed. FBI Special Agent Rebecca Keithley lists what to be aware of with common scam types.

Based on the 2026 CEO Pre-Event Questionnaire, several consistent themes emerged:

• Membership growth and digital transformation were the most frequently cited strategic priorities.
• CEOs identified cybersecurity, competitive pressure, talent development, liquidity, and regulatory risk as their top concerns.
• Most CEOs feel their boards are highly aligned but need improvement in technology awareness, strategic discussions, financial understanding, and succession planning.
• CEOs want discussion around growth strategies, governance, risk management, succession planning, financial performance, and long-term sustainability.
• Several CEOs indicated a desire for clearer thinking around mergers, partnerships, risk appetite, and future viability.

Subject: Join the Conversation: Board Director Roundtable at the Tucson Conference
Dear Board Member,
One of the most valuable aspects of serving on a board is the opportunity to learn from fellow directors who are facing many of the same challenges and opportunities. At this year's Tucson Conference, we invite you to take part in a dynamic Board Director Roundtable Discussion designed specifically for directors, by directors.
Why We Are Holding This Discussion
Prior to the conference, directors from across our network completed a questionnaire identifying the issues that matter most to them. Your responses revealed several common themes, including:

• Maintaining relevance in a rapidly changing financial services environment
• Membership and growth strategies
• Technology, cybersecurity, and artificial intelligence
• Governance effectiveness and board readiness
• Leadership succession and talent development
• Economic and regulatory challenges
• Strategic partnerships and long-term sustainability

The Roundtable Discussion is an opportunity to explore these topics in a collaborative setting and learn from the experiences of your peers.

In today’s rapidly changing environment, effective credit union leadership requires more than operational excellence—it demands strategic foresight. Understanding how economic cycles influence member behavior, liquidity, lending, and institutional risk is essential for building long-term stability.
History shows that economic disruption is not an exception but a recurring reality. Since 1900, nearly one-quarter of U.S. economic performance has occurred during periods of recession, financial panic, or major market correction. Across the last century, the nation has faced more than 10 significant economic downturns, each contributing to widespread institutional failures and billions in losses.
For credit unions, the ability to engage in IRR/ALM strategies to anticipate these challenges and respond with confidence is a defining advantage.
In this session, we will simulate the key economic pressures that directly affect credit union performance, from deposit migration and loan demand to liquidity stress and credit risk. We’ll walk through how to build scenarios tailored to your credit union's balance sheet and discuss practical, tested strategies to increase resilience and ensure member service continuity in any environment.

An exciting panel discussion on issues & opportunities today & tomorrow!

• Interest rates and issues
• fraud, cyber, phishing training and risks.
• Fin Tech competition
• Non-Interest Income
• Staffing issues
• Digital Currency, the Fed talked about setting up a digital exchange.

NCOFCU, where we are today and looking into the future. As we come together in San Antonio, let's unite and do what credit union people do best: work together. Now more than ever before, unity is the foundation of success not only in business strategies but also in building lasting relationships that will enable us to forge ahead.

This session will provide a high-level overview of the evolving credit card landscape and key industry trends shaping the market. David will touch on strategic considerations for credit unions, including risk-based pricing and data-driven portfolio management, while exploring ways to strengthen programs, enhance member value, and remain competitive in a rapidly changing environment.

David Martinez
President | Core Credit Advisors, LLC
E: [email protected]
P: 312.965.8349
W: CoreCreditAdvisors.com

Credit unions are increasingly integrating cryptocurrency services, driven by member demand and the need to remain competitive. A recent survey indicates that 11% of credit unions are currently offering or piloting cryptocurrency transaction capabilities, with plans to expand in the near future.

This shift is supported by federal guidance allowing credit unions to partner with third-party providers to offer digital asset services, enabling members to buy, sell, and hold cryptocurrencies through their existing financial accounts.

Becky Reed, COO BankSocial shares what she sees as the most critical trends that every credit union leader needs to understand as the future of payments quickly evolves.

• Stablecoin and Tokenized Deposit Rails Become Normalized:
  With the regulatory clarity provided by GENIUS Act and parallel moves by traditional networks, stablecoin and tokenized deposit payments will no longer be a “pilot” concept—they’ll be embedded into mainstream payment infrastructure for faster settlement and lower costs.
• Interchange Compression Drives Fee Model Shifts:
  Traditional interchange will continue to erode as more merchants adopt direct-settlement rails and embedded wallets. Financial institutions will pivot toward new network participation fees, liquidity pool revenue, and value-add service layers instead of relying on swipe fees.
• Programmable, Instant, and Global by Default:
  Payments will increasingly be embedded into apps, contracts, and platforms—not initiated by cards or ACH files. Programmable money, instant settlement, and cross-border capabilities will be baseline expectations, not premium services.

Contact Becky Becky Reed [email protected]

NCUA Deputy Chief of Staff.
Nate Kreoger serves as the NCUA Deputy Chief of Staff. He joined the agency in April 2025, bringing more than 16 years of experience in federal operations, business strategy, and organizational leadership.
Before joining the NCUA, Mr. Kreoger was the Chief Operating Officer of RP, an 8(a) SDVOSB specializing in enterprise information technology and financial and disaster recovery support services. He led the company’s transformation by modernizing systems, scaling operations, and aligning executive leadership to improve performance and build enterprise value.