Mission: “We must remember what we started out to do and then find ways to do it with the modern techniques available,” said Louise Herring, one of the pioneers of credit unions. It would be silly to think we could go back to what we did decades ago and expect success. Credit unions were started to serve people with modest means. Today, that doesn’t just mean impoverished people. Who could use a break from the big banks? College students sure could use a financial institution, which had their best interest in mind. Small business owners could use a financial institution that would work hard for their $100,000 loan unlike a large bank that doesn’t have much time for such a “small” transaction. Chances are, your quarterly newsletter and statement stuffers aren’t going to reach those people. Find the “modern techniques” that Ms. Herring referenced and craft a relevant consumer centered message that solves their problem.“I didn’t see it then, but it turned out that getting fired from Apple was the best thing that could have ever happened to me. The heaviness of being successful was replaced by the lightness of being a beginner again, less sure about everything. It freed me to enter one of the most creative periods of my life,” said Steve Jobs in his 2005 Stanford commencement address. In the case of many credit unions, you’re a beginner again. You have work to do and decisions to make. Your much larger competitors can outspend you in the marketing race, but as we always tell our clients, there’s no way in hell they can outwork you. You’re smaller, more nimble, and, if you choose to do so, can sneak up on them and reinvent the game. 21SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Bo McDonald Bo McDonald is president of Your Marketing Co. A marketing firm that started serving credit unions nearly a decade ago, offering a wide range of services including web design, branding, … Web: yourmarketing.co Details In one 10-year time frame, Apple went from death’s door to the dominant player in mobile devices. Better yet, when Apple reached the top of their market, their competitors imploded one at a time. Research In Motion (RIMM), Motorola, Sony, and HTC all slowly lost ground.What can you learn from Apple about success in your credit union? Most companies with an overwhelming market share would have taken their foot off the gas and enjoyed success. The C-Suite and senior managers would have accepted offers to pose for Fortune magazine covers, served on several different corporate boards (each to further raise their profile), and cashed in on their hard earned accomplishments. When the world is worshipping you, you bask. You coast. You rest easy for a little while — especially after 10 hard fought years of rebuilding a company. Apple did none of that.Credit Unions did. Through the heyday of credit unions, when visions were clear and missions were noble, success came without much work. HR Departments sent new employees to you to open an account. Companies supported their credit unions because the credit unions provided a crucial service for their employees who needed it the most.So what happened? Times changed. Visions were lost. We took our foot off the gas. Community charters muddied the waters and greed overtook some credit unions. But that’s not the end of the story, if you don’t want it to be.Apple made a comeback after near extinction— so can your credit union. How?Vision: Apple didn’t play the computer “game” the way everyone said they needed to. They went from being 3 months away from shutting down to introducing the iPhone within 10 years. During that time frame, Napster was introduced and made music pretty much free. Apple produced the next “Walkman” with the iPod, which forced users to pay for music. Dell lead in PC sales during that time, selling boring looking computers with no middle man to keep the costs down. Apple created a bunch of Apple stores and sales skyrocketed. In 2007, all the leading smart phones, such the BlackBerry, Palm Treo, and the first versions of Google’s Android, had physical keyboards. Apple came up with something utterly different. So why is your credit union playing the “game” the way everyone else is? Don’t just dream about beating the competition. Think differently and create a new game.
Captain Andy Waterworth put last season’s Danske Bank Premiership runners-up ahead in the 57th minute and Guy Bates added a second in the 73rd minute to leave Linfield in a healthy position heading to the Faroe Islands. It is not looking so good for two of Northern Ireland’s other representatives though, with Glentoran and Glenavon both suffering home defeats. Cup-winners Glentoran were beaten 4-1 by MSK Zilina of Slovakia, for whom Matej Jelic (13), Jakub Paur (20), Lukas Cmelik (59) and Ernest Mabouka (81) struck the goals. Conor McMenamin got Glentoran on the scoresheet, but they face a huge task to get through. Glenavon also have work to do, but not as much as Glentoran, as they were beaten 2-1 by Belarus side Shakhtyor Soligorsk. It looked set to be a bad night for the hosts at Mourneview Park when Mikhail Afanasiev and Dmitri Komarovski put the visitors 2-0 up inside 30 minutes, but Mark Patton’s 86th-minute strike has given Glenavon a lifeline. In-form SSE Airtricity League Premier Division side St Patrick’s were unable to extend their five-match domestic winning streak as they lost 2-1 at Skonto Riga. Saints took a 21st-minute lead through Aaron Greene’s fine volley but the visitors failed to make the most of their chances and ended up paying the price as Skonto snatched victory with goals from Arturs Karasausks (38) and Vladislavs Gutkovskis (65). Cork City were held 1-1 at home by Icelandic side KR Reykjavik, captain Alan Bennett’s 19th-minute strike being cancelled out by Oskar Orn Hauksson nine minutes later, but University College Dublin did manage to claim a victory. UCD, who play in the Airtricity League first division after being relegated from the Premier Division at the end of the 2014 season, were handed a place in the competition when the Republic of Ireland was granted an extra berth for its third place in UEFA’s Fair Play League. And they got off to a winning start as Ryan Swan’s goal on the stroke of half-time earned them a 1-0 home triumph over Luxembourg club Dudelange. There were mixed results for the three Welsh clubs in action, with Newtown picking up a win but Airbus UK and Bala both losing. Bala were beaten 3-1 away by Differdange, although it could have been even worse for the Welsh Premier runners-up as they found themselves trailing 3-0 inside 26 minutes through goals from Omar Er Rafik, Gauthier Caron and Dejvid Sinani before Ian Sheridan pulled a goal back before the break . Broughton also suffered a 3-1 loss. They took a 28th-minute lead at home to Lokomotiva Zagreb through Wayne Riley but then conceded goals to Damir Sovsic (48), Mirko Maric (61) and substitute Marko Kolar (68) and only prevented a fourth thanks to goalkeeper James Coates, who saved a late penalty from Sovsic. It was a better night for Newtown, for whom Jason Oswell scored a stoppage-time winner to give them a 2-1 lead to take to Maltese side Valletta. Luke Boundford’s 40th-minute opener was cancelled out by Jhonnattann midway through the second half but Valletta lost captain Ian Azzopardi to a red card with five minutes to go, and Newtown capitalised through Oswell. Linfield struck twice in the second half to earn a 2-0 win over NSI Runavik in the first leg of their Europa League first qualifying round tie. Press Association
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Due to damage from the derecho, a community-wide power outage and no supply of gasoline due to the power outage, the City of Marshalltown remains under a civil emergency. Marshalltown Mayor Joel Greer says there is just so much damage.“Drive past the fire station and you’ll notice all of the doors are damaged to get the fire trucks in and out — on both sides. We know homeowners are experiencing the same thing,” Greer says. “There’s ‘Iowa Nice,’ but there’s also looting in places so this is an emergency. It looks like a war zone again.” Greer says as in other areas of the state, it may take a while to determine what the final damage estimate may be. For many businesses, those expenses will be on top of the repair bills for damage from the July 19, 2007 EF-3 tornado that roared down Main Street. At the Iowa Veterans Home in Marshalltown, the good news is that no residents and staff were injured, but the early estimate of damage on the grounds is in the four-to-five MILLION dollar range. Commandant Timon Oujiri says many of the buildings were damaged.“Malloy, Schuller, Dack, Whitehill, our medical clinic roofing all had sustained damage; holes were punched into them,” Oujiri says. “…Heinz Hall sustained the most major damage of the buildings on the Iowa Veteran’s grounds.” Heinz Hall, which is 120 years old, has space for 115 residents. Qujiri says roughly 100 trees on campus were also damaged by the derecho.