John Dearing

Salisbury

News Director at WRDE-TV (Lewes, DE)

News Director WBOC TV16

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Articles

The CUSO evolution continues

1 month ago | cuinsight.com | John Dearing

Over my past 20 years of supporting credit union growth, it has become increasingly clear that Credit Union Service Organizations (CUSOs) are the most effective vehicles for strategic expansion. In that time, we’ve witnessed the evolution of CUSOs unfold in three distinct chapters—each building on the last, each redefining how credit unions collaborate and compete. The earliest CUSOs emerged from collaboration.
Blueprints for smarter credit unions

Feb 24, 2025 | cuinsight.com | Max Young |Paul Gentile |John Dearing |Matt Carpenter

There's a beautiful world where your business processes flow seamlessly, your teams are aligned, and your members experience faster, more accurate services. In this world, credit unions harness the power of clarity and consistency, leaving behind the confusion of "tribal knowledge"—that informal, unwritten understanding passed around like folklore.
Top 4 credit union challenges in 2025 & how CUSOs can help - CUInsight

Feb 19, 2025 | cuinsight.com | John Dearing

Credit unions across the country face increasing pressure from evolving technological shifts, heightened security threats, competitive disruptions, regulatory complexities, and workforce challenges. To remain competitive while maintaining their member-first philosophy,…
The clock is ticking: Most credit union leaders will wait until it’s too late

Dec 9, 2024 | cuinsight.com | Randy Ralston |Lou Grilli |John Dearing

The financial world is undergoing a profound transformation, and credit unions, long valued for their community focus and member-centric approach, must adapt to remain relevant. As the integration of decentralized finance (DeFi) into the broader financial ecosystem accelerates, the need for credit unions to offer cryptocurrency custody solutions has never been clearer.
Getting your credit union’s board onboard with CUSOs

Aug 20, 2024 | cuinsight.com | John Dearing

As volunteers, credit union board members willingly give of their time, talent, and support. Their selflessness and dedication are living examples of the “people helping people” mantra of the credit union industry. Of course, anytime you bring a group of individuals together for a shared purpose, you will have different backgrounds, life experiences, and in many cases, comfort levels when it comes to considering new ideas, investments, services, and technologies.
Make room at the adult table for CUSOs

May 22, 2024 | cuinsight.com | John Dearing

It’s an old, but often true, phrase that some things get better with age. From wines and cheeses to flannel shirts and blue jeans, maturity is often associated with a high comfort level and feelings of security. CUSOs have undergone a maturation process as well, advancing with the times and with technologies. And now they are perfectly positioned to assist credit unions in some of their more “mature” spaces often associated with the back office.
Digital communities – The future of FOM - CUInsight

Feb 22, 2024 | cuinsight.com | Becky Reed |Randall Smith |Seth Brickman |John Dearing

Today, there are three types of federal credit union field of membership (FOM) charters: Single common bond with one occupational or associational group, multiple common bond, or community. Every credit union must adhere to these three requirements.
Credit unions and public banks

Feb 21, 2024 | cuinsight.com | Chip Filson |Seth Brickman |John Dearing |Randall Smith

On September 18, 2023 an organizing group called Friends of the Public Bank of the East Bay (PBEB) announced the hiring of its start-up CEO Scott Waite. This is a brief announcement by Waite on YouTube. Waite is a credit union veteran having served over 20 years as Patelco Credit Union’s CEO. More recently he had turned around Central State Credit Union which had been operating for four years under regulatory constraints. PBEB has raised $1 million and is undertaking further fund raising.
THINK 24 speaker spotlight: Nikkia Reveillac, Netflix

Feb 21, 2024 | cuinsight.com | Seth Brickman |John Dearing |Randall Smith

Get ready for insights and inspiration from a trailblazer in business strategy and consumer insights: Nikkia Reveillac. She’ll be appearing on the mainstage at THINK 24, the growth strategy conference just for credit unions, taking place May 7-10 in Nashville, Tenn. Nikkia is a leader and a visionary with a career that spans roles like Director of Insights for Colgate-Palmolive and Head of Research for Twitter.
Bankers: Agencies are ignoring laws in issuing guidance

Feb 21, 2024 | cuinsight.com | David Baumann |Seth Brickman |John Dearing |Randall Smith

Federal regulators are disguising regulations as guidance and are short-circuiting the formal rulemaking process, the American Bankers Association charged this month. In a letter to banking regulators, ABA President/CEO Rob Nichols charged that regulators are managing to evade the legal requirement that substantial policy changes be opened to public comment before the changes are adopted.