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More credit unions are expanding their business services to better support commercial members and drive new revenue opportunities. However, building and managing a treasury management program internally can be complex, requiring specialized expertise, dedicated staff, and sophisticated technology. That’s where Tru Treasury comes in. As the credit union industry’s only CUSO providing end-to-end treasury program solutions, Tru Treasury helps financial institutions compete more effectively in the business banking space while driving deposits and non-interest income. Recognized as the 2025 CUSO of the Year by the National Association of Credit Union Service Organizations, Tru Treasury proudly supports more than 120 financial institutions nationwide with scalable treasury management solutions designed specifically for credit unions. Backed by experienced, CTP-certified professionals with deep commercial banking expertise, Tru Treasury delivers the strategy, technology, training, and operational support credit unions need to attract and retain high-value business members. From market assessments and product selection to vendor management, sales, onboarding, and ongoing business member support, Tru Treasury equips institutions with the tools and expertise necessary to compete with larger financial institutions — while maintaining the personalized service credit unions are known for. Proprietary platforms include:
For credit unions looking to strengthen their business banking programs, Tru Treasury provides the infrastructure, expertise, and operational support needed to grow commercial relationships without adding unnecessary internal complexity. |
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Credit Union Loan Source (CULS) and Credit Union Audit Group, two key partners of LEVERAGE, provide specialized solutions that help credit unions strengthen operations, support growth, and better serve their members. Together, they deliver trusted lending and audit services designed specifically to meet the evolving needs of the credit union industry. CULS supports credit unions with lending solutions that generate income and support portfolio growth. Through its shared loan participation program, CULS gives credit unions access to prime auto loans that can enhance loan-to-share ratios while adding geographic and portfolio diversity. Backed by two decades of experience in auto lending, CULS has delivered more than $13 billion in assets to 170 credit unions across ten states. A few of CULS’ solutions include:
“Our relationship managers have set up a very thorough onboarding process for credit unions. We can walk them through the entire process, from getting regulatory approval to training their staff for everything from accounting to quality control checks and reviewing our reporting. We walk the credit union from start to finish.” — Kevin Usiatynski, Chief Revenue Officer of Credit Union Loan Source Credit Union Audit Group provides audit services tailored specifically for credit unions. With a growing national footprint, the firm now serves more than 250 credit unions across 20 states, helping institutions meet audit requirements, strengthen operations, and stay focused on member service. A few of Credit Union Audit Group’s solutions include:
“Every credit union needs an audit. The growth and the expansion are something that we are extremely proud of. We went from 100 credit unions to 238 credit unions in a couple of years. To me, that is making sure that we are providing exceptional service and continuing to expand our footprint nationwide.” — Karen Frazee, Senior Vice President of Business Development Together, Credit Union Loan Source and Credit Union Audit Group provide credit unions with trusted resources, industry expertise, and strategic solutions that support long-term success. From expanding lending opportunities to delivering essential audit services, both organizations remain committed to helping credit unions operate more efficiently, grow confidently, and better serve their members. LEARN MORE ABOUT CREDIT UNION LOAN SOURCE | LEARN MORE ABOUT CREDIT UNION AUDIT GROUP |
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With ENGAGE right around the corner, the countdown to one of the credit union industry’s biggest events of the year is officially on. Alongside educational sessions and networking opportunities, several special ticketed events happening throughout the week of ENGAGE give attendees the chance to connect with peers, hear from industry leaders, and support meaningful causes across the credit union community.
Don’t miss a special luncheon hosted by the Credit Union Impact Foundation! The Multiplier Effect: How Leading Together Strengthens Credit Unions and Communities will bring C-Suite executives, CEOs, senior leaders, and ENGAGE attendees into one room for a high-level conversation on the strategic collaboration shaping the future of credit unions and the communities they serve. At a time when regional needs are growing, and systems are shifting, credit unions remain trusted, stabilizing anchors. This program explores how alignment across the public, private and nonprofit sectors can expand that influence, strengthen institutional capacity, and create more resilient communities.
Don’t forget to add the Advocacy Luncheon to your ENGAGE experience. This separate ticketed event will feature a dynamic bipartisan pairing this year! Please join us to welcome Republican strategist Brian Robinson, President of Robinson Republic, and Democratic strategist Tharon Johnson, Founder and CEO of the Paramount Consulting Group. Both will bring their expertise to the stage, offering timely insights, engaging dialogue, and a touch of friendly debate in the midst of an active election season. Seats fill quickly each year, so you’ll want to secure your tickets now! |
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Support a meaningful cause and get a chance to win some of the most sought-after bourbons, straight from the trail. Credit Union Audit Group, the audit solutions arm of LEVERAGE and official audit partner of the Kentucky Credit Union League, is proud to serve as the Single Barrel Sponsor of the 2nd Annual Great Bourbon Raffle. Hosted annually by Kentucky’s Credit Unions in partnership with Credit Unions for Kids, the raffle benefits Norton Children’s Hospital and Golisano Children’s Hospital at UK through the Children’s Miracle Network Hospitals. For Credit Union Audit Group, sponsoring the event is another way to support the credit union movement and the communities credit unions serve every day. Participants have the chance to win rare bourbon packages and exclusive experiences, but the impact goes far beyond the prizes themselves. Every ticket purchased helps support children and families across Kentucky while reinforcing the “people helping people” philosophy that continues to define the credit union industry. The drawing will take place on August 13, with winners receiving a variety of premium bourbon prizes. Whether participants enter for the bourbon or simply to support the cause, every ticket purchased helps make a meaningful difference. |
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By Holly Speczenksi, Risk Consultant, Risk & Compliance Solutions, TruStage I spend a lot of time talking with credit unions about risk, and one issue keeps coming up: member-targeted fraud. It touches nearly every institution, regardless of size, geography or field of membership. Fraud no longer starts with systems or networks; it starts with people. That reality changes how leaders need to think about prevention. When I talk about member-targeted fraud, I mean scams that are aimed directly at individuals not credit unions. These schemes trick members into sending money, sharing sensitive information or giving criminals access to their accounts. Fraudsters often impersonate credit unions, government agencies, law enforcement or tech support. They rely on urgency and fear to push members into acting before they have time to think logically about what is happening. This type of fraud affects everyone. Many still assume scams primarily target older adults, but the reality is very different. I see victims across all age groups. Most adults have encountered some form of online scam, and the messages are no longer sloppy or obvious. Criminals now personalize their outreach using data pulled from breaches, social media, and public records, which makes the interaction feel legitimate and familiar. Over the last few years, fraudsters have adopted more sophisticated social engineering tactics and generative Artificial Intelligence (AI) has made their work even easier. Criminals can now create polished phishing emails, realistic text messages, and deep fake voice or video clips. Those tools remove many of the traditional warning signs—like bad grammar or peculiar sentence structure—credit unions once relied on when educating members about fraud. Types of scams Government impersonation scams also continue to grow. In these cases, fraudsters pose as representatives from well-known governmental agencies like the FBI, Secret Service, or IRS. They claim the victim’s credit union or account is under investigation and warn members their funds are at risk. The scammer then instructs the member to move money into a so-called “secure” or “holding account” via a wire transfer or a cash deposit into a cryptocurrency ATM. They stress urgency while demanding secrecy, which protects the criminal by isolating the victim. Employee impersonation scams hit especially close to home for credit unions. In these situations, criminals call members while posing as credit union employees. They reference the member by name and claim to see suspicious account activity. Once the member denies authorizing the transactions, the scammer asks for authentication details. With that information, criminals can gain access to accounts online and move funds quickly, often before anyone realizes what happened. Other scams continue to circulate as well, including lottery scams, fake investment opportunities, family emergency stories, and tech support schemes. Each one uses a different hook, but the mechanics stay consistent. Criminals create fear or excitement, introduce urgency, and insist on secrecy. They then walk victims’ step by step through the process of sending money. What credit unions can do to safeguard members Technology supports that effort. Credit unions need real-time fraud monitoring tools that rely on behavioral analytics, machine learning, and AI. These systems help identify activity that does not align with a member’s typical behavior, such as logging in from a new device and immediately initiating large transactions. Without these tools, institutions end up chasing fraud instead of preventing it. Member education also plays a critical role, but it needs consistency and repetition. Credit unions should share fraud messaging through every available channel, including online and mobile banking, email, branch interactions, and traditional direct mail. Members consume information differently, and repeating key messages on multiple channels increases the likelihood they remember them when it matters most. Simple guidance often works best. Members should know:
Trusted contact programs offer another layer of protection. These programs allow credit unions to reach out to a person the member has already designated when staff suspect financial exploitation or health concerns. The trusted contact does not gain account access. Instead, they provide perspective and support that can help interrupt a scam before money disappears. At the leadership level, this work requires a mindset shift. Fraud prevention should function as both loss prevention and member service. Protecting members from scams strengthens trust and reinforces the credit union’s role as a financial partner. When that philosophy becomes part of the culture, staff feel empowered to act, members feel supported and the organization becomes stronger against an ever-evolving threat. Staying ahead of the bad actors The views expressed here are those of the author(s) and do not necessarily represent the views of TruStage. TruStage® is the marketing name for TruStage Financial Group, Inc. its subsidiaries and affiliates. Corporate headquarters are located in Madison, Wis. © TruStage CUP-8896804.1-0426-0528 |
