WEEKLY UPDATE FROM MONTANA'S CREDIT UNIONS | October 30, 2026

Happy Friday! Tomorrow is Halloween, so we thought we would share six jokes you can share at your credit union, with your families, and on your trick-or-treating journey tomorrow evening. Be safe out there and have fun!

👻

What do ghosts use to manage their money?

A boo-dget.

🎃

Why did the pumpkin open a savings account?

To carve out an emergency fund.

âš¡

Why did Frankenstein's monster get pre-approved?

He had shockingly good credit.

🤑

What did one ghost tell another at the credit union?

"This rate is un-boo-lievable!"

🦴

Why don't skeletons spend too much money?

They have no stomach for debt.

🧙

Why did the witch join a credit union?

For the hex-cellent rates.

Want a little extra fun? Download and share this credit union Halloween coloring page.

FOR YOUR DUES

From Awareness to Action — Key Takeaways from Be Aware: Be Aware brought credit union professionals together to explore the evolving world of fraud and discover practical ways to better protect their organizations and members. Through expert presentations and peer discussions, participants gained insights into emerging scams, card and tokenization fraud, the psychology of fraud, cyber and AI-related threats, and the importance of intelligence, risk management, and advocacy. Attendees left with new strategies to strengthen fraud prevention efforts, build more effective fraud programs, respond to emerging threats, and protect the trust their members place in their credit unions.

 

Thank you to our sponsors for making this timely and valuable experience possible — your support is truly appreciated!

 

Mark your calendars for next year’s Be the Difference, October 26–28 in Missoula.

HYPE Workshop Highlights — Learning, Leading and Connecting: The HYPE Workshop brought Montana’s young credit union professionals together for a day of learning, connection, and professional growth. Participants explored ways to strengthen their leadership skills, build meaningful relationships with peers, and discover new opportunities to grow their careers within the credit union movement. Attendees left with fresh perspectives, valuable connections, and renewed motivation to make a difference in their credit unions and communities. Learn more about HYPE!

This Week's Blog


Personal Finance Blog: For the conclusion of our series on fraud-fighting tips for Cybersecurity Month, we brought in the experts for a podcast. Haley DaVee and Kip Poe with Millennium Corporate CU shared their tips to keep consumers safe year-round and how credit unions are the first line of defense against fraud and scams.


Listen to the podcast and read the blog.


A Direct Line: Recently, the fraud community hosted two NCUA examiners for an insightful discussion on internal fraud and whistleblower policies. This week's blog shares key insights from the discussion pertinent to board members, like handling complaints, protecting whistleblowers, and strengthening oversight through your supervisory committee. In the blog, you'll learn practical steps your credit union can take to safeguard members, assets, and trust.

Save the Dates for Future Important Events


We've compiled a list of events that are happening next week so you don't have to. You know the drill: Montana's Credit Unions events are in blue, and all events are Mountain Time unless noted otherwise.

Tuesday, November 3

Personify Leadership Training (Day 1 of 2)

An MCU event in Butte

8:00 a.m.–5:00 p.m.

Analytics 101: From Definition to Process (Part 1 of 2)

A Tristate Collaborative webinar

10:00–11:00 a.m.


Wednesday, November 4

Personify Leadership Training (Day 2 of 2)

An MCU event in Butte

8:00 a.m.–5:00 p.m.

Moving to the New ScreenSteps

A ScreenSteps new platform demo

11:00–11:30 a.m.

Built To Be Found: A Guide to Search Visibility for Credit Unions

CUInsight webinar presented by Progress Sitefinity

11:00 a.m.

Thursday, November 5

Designing Digital Experiences That Work: Why Data Is the Foundation for Reliable AI

A Filene webinar

10:00 a.m.

Looking Beyond the Contract: The Blind Spots in Your Payments Strategy

A CUNA Strategic Services and

ADVANTAGE webinar

1:00 p.m.

Montana's Credit Unions CEO Bi-Monthly Call

An MCU Zoom meeting

1:30–2:30 p.m.

Thursday, November 5

BGHH Monthly Networking Collab

A CU Pride webinar

2:00 p.m.

Looking (A Bit Farther) Ahead

Save the dates (MCU events are in blue)...


Blue or Maroon, Everyone Wins When We Give: Our staff may be split between blue and maroon this Brawl of the Wild season, but there’s one team everyone can get behind: Team Shodair. As this photo shows, we may not all agree on who should win the big game, but we’re united in supporting Montana youth and families through the annual Brawl of the Wild fundraiser.


If your credit union hasn't joined the effort yet, there's still time to participate. Every contribution helps make a difference, and together, Montana’s credit unions can show the true meaning of "people helping people." Visit this page to get started and help us make this year's fundraiser a winning season for Shodair.

FROM OUR PARTNERS

Online Learning: Training your staff doesn’t have to be costly or time-consuming! In addition to webinars, online learning options also include training series, courses, and programs your staff can access at your credit union’s convenience. Explore the variety of distance learning opportunities available through our partnerships with several industry providers and consider adding these options to your 2027 education budget.

Webinars for Everyone on your Team: Learn from the comfort of your own office from these webinar partners. Click on each to view a list of upcoming webinars.

OnCourse Learning logo
UMACHA logo

PARTING SHOT

Leadership Is Stewardship


With Be Aware now behind us and year-end planning at the forefront, this is a natural opportunity to connect the lessons learned this week with the broader responsibility of leadership.


As another Be conference ends, I find myself reflecting on a theme that was present in many of the conversations we shared this week, even when it wasn't spoken directly:


Leadership is stewardship.


Throughout the conference, fraud trends, cybersecurity threats, risk management, compliance challenges, and the changing landscape facing credit unions were all discussed. While the topics were varied, they all pointed to a common responsibility: protecting and strengthening the institutions entrusted to our care.


Stewardship is different from management. Management focuses on today's priorities. Stewardship asks a longer-term question: What are we leaving behind for those who come after us? We often get bogged down chasing the urgent (How soon will it matter?) while balancing the important (How much does it matter?). 


However, I think we need to ask a different strategic question, connecting stewardship to significance: How long will it matter?


Every decision we make, whether it's investing in technology, developing future leaders, enhancing governance, strengthening cybersecurity, or building deeper member relationships, shapes the future of our organizations. The goal isn't simply to navigate the next challenge. It's to ensure our credit unions are stronger, more resilient, and better positioned to serve members in the years ahead.


That is why gatherings like Be Aware matter so much. Beyond the presentations and discussions, they remind us that leadership is not just about responding to today's risks. It is about building organizations capable of meeting tomorrow's opportunities and challenges as well.


As boards and management teams turn their attention to budgets, strategic plans, and goals for 2027, I encourage all of us to view those conversations through the lens of stewardship. The most important question may not be whether we achieve every objective on next year's plan, but whether we are creating the kind of institutions that future leaders will be grateful to inherit.


We are all temporary custodians of something much larger than ourselves: a movement built on trust, cooperation, and service to others.


The measure of our leadership will ultimately be simple (or, to put accountability squarely on my shoulders as a leader, the measure of my leadership will be):

Did we (I) leave it better than we (I) found it?


If we can answer yes, we will have fulfilled our responsibility as stewards of the credit union movement.


Enjoy this fall weekend.


Cooperatively,

Gerry 

This is an internal publication of Montana's Credit Unions intended for our affiliated credit unions and their official family.


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