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Know your competitors: They shape your future

first_img 3SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Robert McGarvey A blogger and speaker, Robert McGarvey is a longtime journalist who has covered credit unions extensively, notably for Credit Union Times as well as the New York Times and TheStreet, … Web: www.mcgarvey.net Details When Kirk Kordeleski, the one time Bethpage Federal Credit Union CEO, offered up his belief that the credit unions that will thrive are the ones that commit to doubling their asset size every five years, I asked him what credit unions he had been competing with on Long Island.None, said Kordeleski.  I prodded, was this just the usual credit union cant where nobody competes with other credit unions (and of course that is nonsense because 95% of the credit unions that compete with other financial institutions mainly compete with other credit unions)?Nope, insisted Kordeleski.  He went to sleep every night dreaming and scheming about how to take away market share from the big banks and he woke up every morning excited about “beating the #@@&^” out of those big banks which, he said, dominated the Long Island marketplace.Competing with other credit unions, he indicated, is tantamount to fighting over crumbs. To make a real difference for your institution go after the institutions that in effect have big slices of the pie.Even better, said Kordeleski, the $1 billion or so you win from a Chase probably won’t even be noticed by them.  You can dramatically increase your size by taking business from institutions that are so big they won’t even care.(Hear my podcast with Kordelesky here. He elaborates in step by step detail on his growth plan.)Don’t believe it?As I mulled Kordeleski’s formula, I remembered a recent conversation I had had with Gary Oakland, the longtime CEO of BECU who grew that institution from assets of a few hundred million to many billions.  His years were characterized by extraordinary growth. Did he get there by beating credit unions?No, said Oakland.  BECU’s big break came when Seattle bank Seafirst effectively went belly up in the early 1980s and Bank of America took over its remains.  But B of A was not especially interested in dominating the Washington State market and, for BECU, growing market share was a matter of executing on credit union principles, focusing on member service and opening the doors wide to welcome the flood of new business.(Hear the Gary Oakland podcast here. He recounts BECU’s growth strategy in detail.)Then another thought hit me. You are who you compete with.  Compete against a stumbling, failing small credit union and, guess what, you have set your standards very low indeed.Compete against the best and that is the standard to which you are holding yourself and your institution.  Which standard do you think prepares an institution for significant successes?Finally, I remembered an off the record conversation I had some years ago with the CEO of a large military focused credit union.  Who’s your competition? Who keeps you up at night? Pentagon Federal? I badgered him.Finally he interrupted and said, USAA.The San Antonio bank, he said, was the one institution that worried him. Other credit unions, not so much. Was that arrogance? Nope. It was brilliant.That is  because USAA is bigger than any credit union except Navy Federal and when its ancillary businesses (such as insurance) are added in it probably is bigger than all credit unions.It also – and this is key – is highly regarded by its customers and even its competitors.USAA is a world class competitor.  Measure yourself against it and you will perform at a very high level indeed.That is a crucial reality. We become our competitive set.  Try to beat the slowest runner in the next community 10K and you just may – but you’ll be the second slowest runner in your group.Measure yourself against the best runners – from Ethiopia and Kenya – and you are talking about 10K times in the 26 minute range.  You can’t do that? Probably not. But what if training against that standard cuts a minute, or five, off your time? What if??Running is one thing, financial services is another? You bet.  But know that in the case of banking (unlike world class 10K running) you very realistically can win. According to Kordeleski, you absolutely can beat the big banks. A credit union has significant advantages. It has tax exempt status.  Management is not tyrannized by the stock market. Member service is baked into the DNA. And so a credit union that wants to can consistently beat the money center banks on rates and fees and service.Kordeleski proved that at Bethpage.  Oakland proved it at BECU. Jim Blaine proved it at SECU (Blaine’s podcast is here).A credit union genuinely is a better deal for 99% of consumers who can get all their financial services needs met in most credit unions.You can win and it starts with picking the competition that forces you to be better.Do that and winning is the next step.last_img read more


#TheTracker: Top 10 Ghanaian players in the 2019/2020 season

first_imgJoseph Aidoo (RC Celta de Vigo) Kudus, who turns 20 next month completed his big move from FC Nordsjaelland to Ajax this summer after an incredible season in the Danish league.Ajax’s new number 20 shirted player joined the club for a transfer fee reported to be around nine million Euros.The 19-year-old scored 11 goals in 25 appearances for FC Nordsjaelland this season. Osman Bukari (AS Trencin) Samuel Tetteh is an RB Salzburg forward who was loaned to Austrian top tier side, LASK Linz.Samuel Tetteh, 23, started his career at WAFA SC in Ghana and joined FC Liefering in the summer of 2016. After a season, he joined RB Salzburg in 2017 before being loaned out to LASK Linz in January 2018 for two seasons.The Ghanaian international has enjoyed a stellar 2019/2020 season playing a total of 42 games including Champions League Qualifying (4), Europa League (6), domestic cup (3) and 29 Austrian Bundesliga games for LASK Linz.The forward scored 7 league goals and provided 5 assists in the process.His best attributes are his vision to create goals for his teammates, pace and trickery.He has been called up to the Black Stars in the past and will be hoping to get another chance in C.K Akonnor’s team. Mohammed Kudus (Ajax/ FC Nordsjaelland) The centre-back made a name for himself in the Spanish La Liga in the 2019/2020 season.Joseph Aidoo, 24, played 32 games in the La Liga and one Copa del Rey, signifying just how important he is to the manager, Oscar Garcia Junyent.The right-footed defender joined the Spanish La Liga from Genk after winning the Belgium league. He started his career at Inter Allies at Tema before leaving in 2016 to Hammarby in Sweden.Joseph Aidoo helped his side keep seven clean sheets in La Liga in the 2019/2020 and provided just an assist without scoring. He also got 6 yellow cards as well. The 2019/2020 season has been a fairytale.A mixture of goals, passion, hard work and then there is Coronavirus, a pandemic that threatened the total annulling of football until next season. Luckily, some leagues resumed with others like France and Holland totally cancelling their season.In the midst of it all, some Ghanaian footballers have excelled.Here is a Citi Sports desk report highlighting the top 10 players that have performed magnificently for their clubs across the world. Mohammed Salisu (Southampton/Real Valladolid) Latif Blessing (Los Angeles FC). Jordan Ayew, 28, finished as Crystal Palace’s top goalscorer with 9 goals in 37 games which puts him second on our list.A goal tally which made him the highest-scoring Ghanaian with 25 goals in the English Premier League, beating off Tony Yeboah (24).The Ghanaian international set that record after scoring a beautiful tap in as Crystal Palace recorded a 2-0 win over relegated Bournemouth in June.Jordan Ayew also provided two assists in the EPL in the 2019/2020 season to help Palace finish 14th in the league. Thomas Partey (Atletico Madrid) Baba Idrissu (RCD Mallorca) The 23-year-old is making big waves in Major League Soccer (MLS) with some brilliant individual displays.Starting his playing his career with Ghana Premier League side, Liberty Professionals, the attacking midfielder has had a surge in his career. Going on to be a star for Los Angeles FC.Since the MLS resumed, the Ghanaian international has played three games, provided 2 assists in the process.The prolific dribbler is yet to  earn a Black Stars call up. The central defensive midfielder has been phenomenal for Mallorca this season.Providing a lot of cover for the back line in the Spanish league. His best attributes are synonymous to Thomas Partey. A good passer of the ball who is also strong in the tackling department.The box-to-box midfielder played 38 games across all competitions for Mallorca. Scoring no goal or assisting. Mohammed Salisu in the past weeks has been in the headlines in Ghana not only for his impressive performances all season but also for his proposed transfer to Southampton in the English Premier League.The 21-year-old has made giant strides in the last 18 months and helped his club side, Valladolid to stay in La Liga by finishing the season 13th on the league log.Standing at 6’4 foot, the centre back played 31 La Liga games and one Copa del Rey match. He scored one goal and assisted in the 2019/2020 season league season as well. With no red cards, Salisu got four yellow cards.Mohammed Salisu is yet to make an appearance for the Black Stars of Ghana. Samuel Tetteh (LASK Linz/RB Salzburg). The AS Trencin’s forward is among the most productive Ghanaian players abroad in the 2019/2020 season.Bukari, 21, has been a revelation for the Slovakian club this season, helping them place 7th on the league log.The Ghanaian played 25 games. Scoring 10 and providing nine assists in the Slovakian Fortuna Liga.His best attributes are his pace, energy and his shot power. He is comfortable on both wings and is blessed with skill.The pacy winger played a bit part role in Ibrahim Tanko’s Black Meteors team that failed to qualify to the Olympic games. With the battle for qualification up for grabs, Ghana’s Andre Ayew is leading by example with goals.The Black Stars captain has been in superb form for the Swansea City in the 2019/2020 season after joining them from Turkish side, Fenerbahçe.Dede Ayew, 30, scored his 18th goal of the season with a half-volley to help give the Swans the upper hand as they seek qualification back to the English Premier League.The forward has not only scored, but he has also provided seven assists this season for Swansea City.With this, he is our best Ghanaian footballer plying his trade outside the country. Thomas Partey needs no introduction,as he has been consistently involved in transfer talk linking him with a move to the Premier League.The 27-year-old has been a key figure in Diego Simeone’s team this season.He has not enjoyed scoring a lot this season with 3 league goals and a goal in the UEFA Champions League. He has however executed various roles to perfection when it has been required of him.The defensive midfielder has received 13 yellow cards this season.The Ghanaian international has 26 national team appearances and has scored nine times for his country. Andre Dede Ayew (Swansea City) Jordan Ayew (Crystal Palace)last_img read more


Lampard steps into management at Derby

first_img0Shares0000Frank Lampard won the Premier League three times playing for Chelsea © AFP/File / Adrian DENNISLONDON, United Kingdom, May 31 – Former England midfielder Frank Lampard is taking his first step into management by taking the reins at Derby County, the Championship club announced on Thursday.The 39-year-old, who won three Premier League titles with Chelsea, has signed a three-year contract at the second-tier English outfit two years after retiring in 2016. Derby have been looking for a new manager since Gary Rowett was lured away by recently-relegated Stoke.Lampard told Derby’s official website: “This is my first job as a manager, but I’ve worked closely with some of the best coaches in the game and I’m confident in my own abilities and those of the team around me, including the board.“I know it won’t be easy — managing a football team never is — but I’m really looking forward to the challenge ahead.“I’ve always wanted to manage a club with a big tradition and history like Derby County, so this is a huge opportunity.”Rowett led Derby into the play-offs at the end of last season only for Fulham to overturn a first leg deficit in their semi-final clash before going on to beat Aston Villa at Wembley.Lampard said his aim was to take Derby back to the Premier League for the first time since 2008, when the club finished rock bottom.“We want to build on the club’s top six finish in the Championship last season, while at the same time bringing through some of the excellent youth and academy talent we have at Pride Park,” added Lampard.After starting his career at West Ham, Lampard joined Chelsea and had 13 successful years at Stamford Bridge.He remains the club’s leading goalscorer with 211 goals and, as well as his hat-trick of Premier League medals, also lifted four FA Cups, the Champions League and the Europa League during a trophy-laden stay.His career came to a close at New York City — but he did return to England briefly, scoring against Chelsea while on loan at Manchester City.0Shares0000(Visited 1 times, 1 visits today)last_img read more