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first_imgGoverning changes during crisis. Boards need to stay out of operational decision-making, yet they need to be aware of what is happening in the credit union. Awareness—even of bad news—is extremely important.As the effects of COVID-19 ripple across the economy, the board and management need good, up-to-date information on key financial issues that may change rapidly. You don’t want any surprises during turmoil, such as what’s happening in the wake of the coronavirus. Surprises can destroy trust between the board and CEO.A key to awareness is to develop and monitor systems of early indicators of financial changes taking place. In addition, with so much uncertainty, it is important for management to create a variety of projections based on different scenarios: best case, likely case and worst-case scenarios.Manage the Balance Sheet: Capital and DepositsA key to survival, now and always, is preserving capital (net worth). In recessions, the capital-to-assets ratio tends to drop rapidly. Why? Financial losses cause the dollar balance of capital to decline. But at the same time, growth in deposits can be a big contributor. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »last_img read more

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first_imgReverend Lloyd Philip Weber, 85, died early Sunday morning. He was born to Clinton and Elnora (nee Belter) Weber on their farm near Batesville, Indiana on March 23, 1930. Following graduation from Mission House (now Lakeland) College and Seminary, he served churches in Wisconsin and southern Indiana before accepting a call to serve the Church of the Good Shepherd in Elk Grove Village in 1963. He is survived by his wife, Marjorie; daughter Cindy Stockmeier (and Bruce) of Elk Grove Village and their children Erik, Brett, and Annaliese; son David (and Debbie) of Elk Grove Village and their children Adam, Clinton, Kristina Schmidt, and Stacey; daughter Patricia (and Greg) Sullivan of Olney, MD, and their children Stephanie O’Neil, Kathryn, and Brian; daughter Judith (and Mark) Paris of Valparaiso, IN, and their children Alexis, Isabella, and David; granddaughters Brittaney and Mackenzie Weber of Atlanta, GA; and four great-grandchildren; Elijah Simonton, Hannah Schmidt, Scarlett O’Neil, and Emilia Perez. He was predeceased by his son Tom, granddaughter Lara Stockmeier, brother John, sister Janet Kelley, and parents. Visitation will be at Grove Memorial Chapel, 1199 S. Arlington Heights Road, Elk Grove Village, on Tuesday, March 15, from 5:00 to 9:00 pm and again on Wednesday, March 16, from 9:30 to 11:00 am. A memorial service celebrating his life will begin at 11:00 am. The family asks that well-wishers consider donating to the Northwestern University (Primary Progressive Aphasia) PPA Education and Research Fund or Heifer International .last_img read more

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