“Digging in the Dirt” is a podcast and radio show featured on WPKN (wpkn.org) with climate change experts and activists, promoting organic and regenerative farming techniques, showing the way to grow healthier food in a way that respects the planet’s health. In addition to nationally known movers and shakers in this niche, Kevin loves to feature food authors, local farmers and gardeners pushing the envelope by encouraging us to take personal responsibility, as consumers and gardeners, toward ...
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Evironmental Podcasts

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Credit Union Exam Solutions Presents With Flying Colors
Mark Treichel's Credit Union Exam Solutions
Tips for Credit Unions Success on the NCUA Examination. Brought to you by Mark Treichel's Credit Union Exam Solutions.
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Looking For👀✨ Cover art photo provided by ORNELLA BINNI on Unsplash: https://unsplash.com/@ornellabinni
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CAMELS Treading Water: What the Insurance Fund Numbers Reveal
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13:27www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this episode of With Flying Colors, Mark Treichel breaks down the latest NCUA Board Meeting held on September 25, 2025. With only one agenda item—the NCUA Insurance Fund briefing—the discussion still revealed several key insights that credit union leaders need to know. From CAMELS c…
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Defending Credit Unions in DC: A Conversation with Jason Stverak of DCUC
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24:56
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24:56www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this episode of With Flying Colors, Mark Treichel sits down with Jason Stverak, Chief Advocacy Officer of the Defense Credit Union Council (DCUC), to discuss the pressing issues shaping the credit union movement. Key topics covered: 🇺🇸 Veteran Business Lending Cap: Why credit unions…
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Emily Sanders the senior reporter for ExxonKnews, Allison Rugila Associate Soundkeeper Save the Sound, Linley Dixon Co-Director of the Real Organic Project.
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55:01First up this episode is Emily Sanders the senior reporter for ExxonKnews, a project of the Center for Climate Integrity covering fossil fuel industry practices……disinformation, lobbying, and dark money spending -- as well as efforts to hold major oil and gas companies accountable. ExxonKnews is a partner of the Covering Climate Now journalism coll…
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Credit Unions vs. Banks: What Q2 Data Reveals
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42:08www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Credit Unions vs. Banks: What Q2 Data Reveals In this episode of With Flying Colors, Mark Treichel is joined by Steve Farrar, Todd Miller, and Dennis Bauer to break down the latest Q2 reports from NCUA and FDIC. Together, they unpack what the numbers really mean for credit unions, bank…
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Rating Commercial Credit Risk - What NCUA Expects
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32:02www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA's Commercial Loan Rule requires a rating system. I discuss what it requires with Vin Vieten, author of the rule.By Mark Treichel's Credit Union Exam Solutions
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Beyond Fraud Detection: Making AI a Strategic Partner in Credit Unions with Ray Ragan
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37:09www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Former NCUA Executive Director Mark Treichel talks with Ray Ragan, CIO of Securityplus Federal Credit Union, about taking AI beyond fraud detection and call center scripts. Ray shares how credit unions can use the NIST AI Risk Management Framework to build board-approved policies, leve…
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Commercial Member Business Loan Risks vs Banks 2025
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10:32www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ COMMERCIAL CREDIT RISKS Rising commercial credit risks - Why regulators are worried Work-from-home impact on commercial real estate Rate shock reality: 3-4% loans resetting to 6-7% Minneapolis downtown real estate down 25% CECL forecasting challenges and provision expenses NCUA's hyper…
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From NCUA to America’s Credit Unions: A Roundtable with John McKechnie & Geoff Bacino
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39:14www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Episode Summary In this episode of With Flying Colors, I’m joined by two longtime friends and former NCUA colleagues — John McKechnie and Geoff Bacino — for a candid roundtable on the latest twists at the agency and across the credit union movement. From the legal limbo over NCUA board…
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Operational Risks in Credit Unions - What We See in 2025
7:46
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7:46www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ OPERATIONAL RISKS Cyber incident response planning essentials Communication strategies for cyber incidents Legacy system conversion nightmares NCUA's helpful approach to cybersecurity findings Core system conversion best practicesBy Mark Treichel's Credit Union Exam Solutions
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Eric Sepenoski Long Island Farmer, Teacher, Southold Town Trustee & Author Melissa Stewart
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55:15My guests on my next Digging the dirt start with Eric Sepenoski. Eric is a fourth-generation farmer at Seps Farm in East Marion, NY, on Long Island's North Fork. He’s also is an elementary school teacher and serves as an elected Trustee for the Town of Southold—where he focuses on stewarding wetlands and protecting coastal features. Then regular co…
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NCUA Issues Tips on Starting an Exam Efficiently - What You Need to Know
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52:09www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA recently posted new guidance on how to start an exam efficiently — and for many credit unions, it couldn’t come at a better time. In this episode of With Flying Colors, Mark Treichel is joined by Todd Miller, Steve Farrar, and Dennis Bauer to break down what’s in the guidance, why…
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IRR, the Interest Rate Evironment Credit Union Risk
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11:25www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ INTEREST RATE ENVIRONMENT Fed policy uncertainty and tariff impacts Yield curve normalization: -35 to +50 basis points CD composition shift: 13% to 28% of deposits Credit unions adapting to "new normal" Investment portfolios still 6-7% underwater Examiner demands for enhanced stress te…
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Retail Credit Performance: Risks for Credit Unions
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8:15www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ ETAIL CREDIT PERFORMANCE Student loan payment resumption impact Mixed economic signals across states 24 vs 26 states: unemployment trends Generational differences in borrowing behavior Venmo revolution: 85% of users under 40, $342B in Q1 transfers…
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You Can Appeal Anything to the Regional Director - Not Just What the Regulations Says
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29:23www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA's regulation define what can be appealed. But you can appeal ANYTHING to the region. We discuss how whey and when you might want to do it.By Mark Treichel's Credit Union Exam Solutions
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www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ FRAUD SCHEMES [00:41:00] Timeshare resale fraud targeting elderly [00:44:00] ATM "jackpotting" - new threat explained [00:45:00] Skimming device sophistication [00:46:00] Universal key vulnerabilitiesBy Mark Treichel's Credit Union Exam Solutions
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Home Mortgage Disclosure Act (HMDA) Basics
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28:37www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Home Mortgage Disclosure Act (HMDA) BasicsBy Mark Treichel's Credit Union Exam Solutions
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NCUA in Limbo: What the Board Shakeup Means for Credit Unions
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15:35www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA in Limbo: What the Board Shakeup Means for Credit Unions Episode Date: July 28, 2025 Host: Mark Treichel Episode Summary The NCUA board is in complete chaos following President Trump's firing of board members Todd Harper and Tanya Otsuka, their court-ordered reinstatement, and sub…
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Jeff Masters of Yale Climate Connections and Connecticut Fire Chief and emergency management Director James Blanchfield
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55:03Jeff Masters meteorologist of the Yale climate connections talks about the heartbreaking tragedy of the recent Texas floods. It's A deeper look at how this happens and what is in store in the future . Then I rebroadcast an interview with Wilton, Connecticut fire chief and emergency management Director James Blanchfield on what to do if you encounte…
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MBL Loans: Financial Analysis Credit Proposals & Global Cash Flow
37:48
37:48
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37:48www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Global Cash Flow. What is it and why does NCUA care?By Mark Treichel's Credit Union Exam Solutions
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ALCO In Practice: Essential Reports Analysis & Risk Management
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35:30www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ ALCO committees are of paramount importance. We take a deep dive into the nuances of this important committee and discuss Essential Reports Analysis and Risk ManagementBy Mark Treichel's Credit Union Exam Solutions
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The OCC's Risk Report and What It Reveals for Credit Union Exams
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57:11www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Credit Union Roundtable: Mid-Year Risk Reports - Our Take on What it Means for CUs Episode Description In this inaugural Credit Union Roundtable episode, host Mark Treichel is joined by three industry veterans to break down the OCC's Spring 2025 risk report and what it means for credit…
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ALCO GOVERNANCE ESSENTIALS: BUILDING AN EFFECTIVE COMMITTEE STRUCTURE
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13:04www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Is your ALCO Committee structured optimally? We can help you figure that out with this episode.By Mark Treichel's Credit Union Exam Solutions
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Sticky Deposits & Storm Clouds: What’s Ahead for Credit Unions?
30:59
30:59
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30:59www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Episode Summary: In this episode of With Flying Colors, host Mark Treichel sits down with Thomas Griswold, Managing Director at ALM First, to explore the financial forces shaping credit unions in 2025 and beyond. From balance sheet risk to liquidity pressures and loan participation str…
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The NCUA Central Liquidity Facility and What You Need to Know
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31:01www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Steve Farrar served as the VP of the CLF while at NCUA. Nobody understands the CLF better than Steve. In this archive episode, we deeply dive into this often misunderstood government entity.By Mark Treichel's Credit Union Exam Solutions
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Rita Valley Local Gardener and Greg Lowenthal President of the Long Island Native Plant Initiative
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55:03
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55:03Rita Valley is an artist and gardener living in Southbury Connecticut. Her passion for gardening started at an early age, nurtured by her Polish grandmother who tended an impressive vegetable garden. Valley’s love of gardening has persisted and blossomed into a penchant for writing about her gardening exploits as well. Rita seems to have the same a…
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What Should Be In Your Board Monthly Package According to NCUA
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33:54www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ There is what is required to be in a board package, what you want in your board package, what your board wants, and of course what NCUA wants. We discuss how to satisfy NCUA.By Mark Treichel's Credit Union Exam Solutions
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Elizabeth Warren Demands Answers from NCUA Board Chairman Kyle Hauptman on Actions Since Trump Firings
28:45
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28:45www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Did the Trump Firings Cause a Regulatory Crisis at the NCUA? Warren & Waters Demand Answers Episode Overview Mark Treichel breaks down the congressional response to President Trump's firing of NCUA Board members Todd Harper and Tanya Otsuka, examining letters from Senators Elizabeth Wa…
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Emergency Podcast: NCUA Conserves and Removes the Board of Aldersgate Federal Credit Union - Why its a Bold Move
14:09
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14:09www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ The National Credit Union Administration today placed Aldersgate Federal Credit Union in Marion, Illinois, into conservatorship. Member services will continue while the NCUA works to resolve issues affecting the credit union’s operations. Member deposits at Aldersgate Federal Credit Un…
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Risk Appetite and Risk Management Framework
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43:43
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43:43www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA often asks what a credit union's Risk Appetite is, but doesn't provide much if any, guidance on the topic. We do.By Mark Treichel's Credit Union Exam Solutions
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NCUA's Examiners Guide & NSPM What You Need to Know
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34:09www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA staff rely heavily on the examiner guide and the National Supervision Policy Manual. We discuss these documents and what they really mean for credit unions.By Mark Treichel's Credit Union Exam Solutions
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From Pit Bulls to NCUA Press Releases: A Week in the Life
8:42
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8:42www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this short and slightly offbeat solo episode, Mark shares a personal tale of dog sitting gone sideways—with two lovable pit bulls, a well-intentioned checklist, and a humbling C-minus execution grade. But the real story is what the NCUA didn't do last week. The agency quietly cancel…
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Who Reviews Your NCUA Exam Before You See It?
28:58
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28:58www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA requires some level of management review every exam before you see it. We explain why and how that impacts you.By Mark Treichel's Credit Union Exam Solutions
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NCUA’s Next Moves: Downsizing, Decentralizing, and Disrupting
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28:44
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28:44www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Episode Summary: In this episode, I dive into what NCUA might look like after its May 22nd downsizing — a 25% reduction in staff driven by Trump-era mandates for smaller government. Using clues from the agency’s own language, historical precedent, and my firsthand experience with past …
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Peter Linderoth - Save the Sound & Sandra Wilson CT. Master Gardener Program
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47:50First up Peter Linderoth, the director of healthy waters and lands for Save the Sound comes to “Digging in the Dirt” with the publication of Save The Sounds 2025 LONG ISLAND SOUND BEACH REPORT. How does your local beach in CT. or Long Island rate? Then Sandy Wilson joins me. Sandi is employed with the University of Connecticut Cooperative Extension…
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Peter Linderoth, the director of healthy waters and lands for Save the Sound Comes to “Digging in the Dirt” with the publication of Save The Sounds 2025 LONG ISLAND SOUND BEACH REPORT. How does your local beach in CT. or Long Island rate?By Kevin Gallagher
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Why Your CAMEL Code Is Even More Important Now
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17:48www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ 📝 Episode Summary: In this post-Memorial Day episode, Mark dives into NCUA’s latest insurance fund update with a sharp focus on CAMEL codes—and why they matter more than ever in today's regulatory landscape. With NCUA facing staffing cuts, hiring freezes, and leadership questions, your…
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Sandra Wilson CT. Master Gardener Program
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21:11My guest is Sandy Wilson. Sandi is employed with the University of Connecticut Cooperative Extension System. She is the Fairfield County Master Gardener Program Coordinator based out of the Extension office in Bethel. She has been involved with the Master Gardener program for 25 years.By Kevin Gallagher
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Credit Union Vs Banks: What You Need to Know About the Insurance Funds
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43:43www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ The NCUSIF and the DIF are similar but different. Today we do a deep dive on that and more.By Mark Treichel's Credit Union Exam Solutions
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Trump’s Workforce Cuts Hit NCUA: What’s Changing - What’s Next -Special Edition
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16:50www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Trump’s Workforce Cuts Hit NCUA: What’s Changing, What’s Next Show Notes In this episode of With Flying Colors, Mark Treichel breaks down the biggest NCUA update in years — a Trump-era Executive Order has triggered a 20% voluntary staff reduction at the agency. This May 22 board briefi…
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Documents of Resolutions & Project Management - What You Need to Know
24:20
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24:20www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Document of Resolutions can be complex or simple. Regardless, they usually have many steps that NCUA doesn't realize, but you need to track. We discuss the ins and outs of DOR project management in this archive episode.By Mark Treichel's Credit Union Exam Solutions
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Inside FHLB: Ryan Donovan Talks Liquidity, Housing, and Credit Union Opportunities
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20:06www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this episode of With Flying Colors, host Mark Treichel reconnects with Ryan Donovan, President and CEO of the Council of Federal Home Loan Banks (FHLB). Ryan returns to discuss the evolving role of the FHLB system, its relationship with credit unions, and how liquidity is much like …
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NCUA's Hyper Focus On Corporate Governance in DORs
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45:33www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA is hitting corporate governance hard. In this episode we discuss why and what to do if it happens to you.By Mark Treichel's Credit Union Exam Solutions
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Loan Participations Are Big Business with Bill Paton of Alloya Corporate Credit Union
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17:22www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ This post on LinkedIn led to this podcast: Growing this program from an idea, to an incredible technological platform is far and away the most rewarding venture of my career. The platform has allowed our company to think and dream of bigger ideas. It’s functionally changed the lives of…
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Vincent Dion -Newtown CT. Gardener & Craig Floyd Regenerative Farmer
54:57
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54:57Vincent Dion is a life-long Artist, Gardener, Connecticut resident and Do-it Yourself enthusiast. He maintains a 1,500 square foot backyard garden in Newtown, CT. I have it on good authority that Vincent is quite the gardener and we're here to talk about does his garden grow. My other guest is Craig Floyd. Craig is a tenth generation Farmer who has…
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Organizational Review - What It Means If NCUA Asks For It
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26:09www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ The dreaded organizational review Document of Resolution or worse yet LUA. What it means and what you should do.By Mark Treichel's Credit Union Exam Solutions
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NCUA's Succession Planning Regulation to Change? With JT Blau
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27:26www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA has reopened the Succession Planning Rule for public comment. In this episode JT Blau and I discuss the rule and its requirements.By Mark Treichel's Credit Union Exam Solutions
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Professor Naomi Oreskes - Remembering Pope Francis & Barry Kresch President of the EV Club of CT.
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55:52We pay our respects to the passing of Pope Francis, who followed in the footsteps of his name sake St. Francis of Assisi, honoring the planet earth and all its creatures. In 2015 he wrote it in encyclical about this and the introduction was by none other than my guest Professor Naomi Oreskes. Professor Naomi Oreskes is a Professor of the History of…
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Professor Naomi Oreskes - Remembering Pope Francis
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17:47
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17:47Professor Naomi Oreskes is a Professor of the History of Science and Affiliated Professor of Earth and Planetary Sciences at Harvard University. Naomi who along with her colleague Erik Conway are bestselling authors of the book Merchants of Doubt…about the machinations of the fossil fuel industry and the book “The Big Myth about the myth" of the fr…
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Emergency PODCAST: President Trump Sued by Harper & Otsuka over Firings
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35:37www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Presidential Power and Independent Agency Autonomy: The 2025 NCUA Board Removal Case I. Legal and Constitutional Framework A Constitutional Showdown Begins From "At Pleasure" to Independence: The 1978 Restructuring The Humphrey's Executor Precedent: Protecting Independent Agencies Unit…
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Barry Kresch President of the EV Club ( Electric vehicle Cub) of CT.
28:33
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28:33Barry Kresch has long been involved in environmental activism. He has been a club member and EV owner since 2012. His participation in the club includes doing analytics, including the Interactive EV Dashboard tracking EV adoption in CT.By Kevin Gallagher
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