League Liaison Conference Call

2010 A Partnership between NCUF &

REAL Solutions State Leagues

New REAL Solutions® Leagues

• WELCOME Maine– Jon Paradise

REAL Solutions CU Fact Sheet

• 770 Credit Unions (9.73%)• $216 Billion in Assets (19%)

– RS cus twice the National Average Size• 600 > $100 Million• 75 $20 to $100 Million• 94 < $20 Million

• $113 Billion in Loans (19.6%)• $143 Billion in Savings (19.4%)• 3,469 Branch Locations

18 Million Members (20%)18 Million Members (20%)Data from March 09 5300 Call ReportsData from March 09 5300 Call Reports

829 Credit Unions as of 12/10/09829 Credit Unions as of 12/10/09

REAL Solutions CU Growth Rates

• % of cus with increasing assets – 85.2%• Assets 9.8% versus 9.1%• Loans 8.5% versus 7.3%• Savings 10.5% versus 9.5%

Average shares $7945 versus $8123Average loans $12,007 versus $12,689Delinquency 1.35% versus 1.44%Charge Off 1.07% versus 1.11%

Data from March 2009 5300 call Reports

Products and Services

0 20 40 60

Cr Builder

Micro

SS Credit C

Micro Bus

PDL

RS

National

0 20 40 60 80

Ck Cashing

Int Wire

Free Cking

VITA

Low $ CD

RS

National

Information gathered from the March 09 5300 Call ReportsInformation gathered from the March 09 5300 Call Reports

20102010

League Partnerships•Grow State Partnerships to 41•Increase Credit Union Participation by 26%

•1000 Credit Unions

Go DeepGo Deep

Move to Project FocusLeagues will submit two page project proposals to complete a specific project, product roll out, educational activity or attract an emerging market niche.

Proposals Must-Be REAL Solutions Mission Related – must directly support access to financial products and services to low wealth working families either through league or credit union programs-Must, in collaboration with NCUF, promote outcomes to local and national trade press-Should present opportunities for replication by other leagues

• Proposal Ideas

– State wide outreach conferences and or webinar series– Product Roll out such as prepaid cards, nonprime used auto

loans or payday loan programs– Vita Programs or Tax Preparation Services– Educational programs such as Reality Fairs, College Alumni

Education Programs, In-house financial counseling Officers– State wide savings challenges– Enhanced credit score programs– REAL Solutions Awareness building – as in building a state

wide REAL Solutions branding awareness– Impact Measurement – Diversity or Sensitivity Training for Staff

1. In one sentence, please explain your project and how it exemplifies the REAL Solutions Mission.

2.  Is your project an enhancement of an ongoing project or a new innovation/idea?

3.  How will your project enhance opportunities for the league or your credit unions to offer real financial and educational solutions?

4.  Will you be partnering with other organizations in your project? If so, how? 

5. Do you intend to seek assistance of a REAL Solutions Field Coach in your project? If so, work with them to arrange number of days requested. Be sure to include as a budget item.

5.  Do you plan to leverage additional funds for your project? Doing so is encouraged.

6.  Please concisely outline your success measurements.  Can your project be replicated in other leagues?

7.  Please outline your project budget.8. What is your media plan to release results?

Proposal Questions

What we will NOT fund:

• Proposals from leagues not a current RS Partner• Administrative expenses• League staff time • Guaranty funds• Prize money• Programs already operating – must have major enhancements• Research

Grant AwardsFrom $1,000 to $20,000

Leagues…

• Leagues can submit up to three proposals but project approvals will not exceed $25,000 per league

• Leagues must be willing to jointly promote outcomes – successes or lessens learned

• Leagues must be willing to entertain joint fund raising ideas and activities

• Leagues must submit a one page mid project report and a one page conclusion report outlining successes and lessons learned

• League Liaisons must have the written support from their league presidents who will be required to sign the grant contract

Other RS League Resources• Two League Liaison Field Coach Meetings and one joint

meeting with SCUF (January, May and September)• 8 Conference Calls highlighting League Projects• 12 or more new tool kits and white papers• New Webinar series

– Prepaid Cards, Nonprime Auto Loans and CU Tomorrow

• Expansion of the REAL Member Stories Video Contest• Credit Union consulting as needed and requested• Enhanced Impact Center

Build National Awareness

• Prepaid Cards• Nonprime Auto Loans• VITA and Tax Preparation Services• Serving the Young Adult Market Segment• Capturing and Increasing Member

Savings

Improve Impact Center

• Improve Usability• League Blog• RE-Design home page• Increase video content• Increase the blog• Improve the solutions section• Increase capacity to share• Continued work on Impact Measurement

Grow REAL Solutions Visibility

Form or Strengthen Partnerships• FRI• CUNA and CMG• Living Cities• Annie E. Casey Foundation and Aspen Institute• National Disabilities Institute• Urban Institute• AARP and

America’s Charities (smile)

Remember to use the League Highlights

REAL Solutions League Liaison Meeting• January 20 and 21, 2010 @ at the Rosen Centre * 9840 International Drive - $139 per night – 800.204.7234 or

register online

Highlights• League working day• Greetings from the Southeastern League of

Credit Unions• Brent Dixon and Young and Free• Bob Hoel • Matt Davis• Steve Delfin and Rui Domingos• Professor Dean Karlan• Tom Watson – Cause Wired• Our group outing on Wednesday evening to see

the Blue Men Group @ Universal Studios – Tickets are $75.00