Credit Unions in 2020 (or Will We Have Flying Cars?)

I read this article on CUNA’s web site a couple of days ago detailing how Dennis Dollar (how cool is that name) thinks the credit union landscape will look in the year 2020 (thanks to Deb Trautman for passing the article along). Now, I’ve never been one to put much faith in forecasts that stretch for a period more than 5 days (even the weatherman can’t get THAT period of time right) because things never look like you think they will. Heck, we were supposed to have flying cars 8 years ago according to many “forecasters”.

Distrust of long term outlooks aside, some of the predictions don’t quite jive with me.

• Credit union service organizations will exceed the number of credit unions;

My understanding of a CUSO (and please correct me if I’m wrong on this) is that they are cooperative organizations of credit unions designed to help them deal with regulatory issues and the like. They are like a credit union’s credit union. From Wikipedia:

A Credit Union Service Organization (CUSO) allows a credit union the ability to conduct business that they would otherwise be restricted from due to regulatory constraints. Most CUSOs are limited liability companies (LLC) which also provide a measure of protection to the credit union from the actions of their CUSO. CUSOs are usually wholly-owned subsidiaries of their corresponding credit union, and most if not all of the profits generated by a CUSO are returned to the credit union. CUSOs can also sell stock, usually to other credit unions, to help fund the creation and operation of the CUSO. In this situation, the profits are then converted to dividends and paid out to shareholders as specified by the CUSO's charter.

CUSO’s, like any other business, operate based on demand. I don’t see the demand for CUSO’s ever warranting more CUSO’s than actual credit unions. In fact; wouldn’t that be bad business?

• Credit unions will face greater regulatory pressures, and this will drive mergers;

Credit Unions may face an increase in regulatory pressures in the coming years. Some of it can be avoided by staying true to the credit union mission, and beyond that, showing people that we stay true to that mission.

Beyond the fact that some of this regulatory pressure might be avoided, the first bullet point about CUSO’s seems to be contrary to this one. If CUSO’s are there to help groups of credit unions stay in compliance with regulations, and there are more CUSO’s than credit unions, shouldn’t all the bases be covered?

It would be a shame to see so many unique, small credit unions disappear due to being unable to stay within regulatory guidelines. There is much to be said for a small credit union, dedicated to staying small, and dedicated to its membership. A prime example is Mt. Lehman Credit Union. They have, with the guidance of their General Manager, Gene Blishen, positioned themselves perfectly to serve their members. They know what those members want, and offer it to them. Things like their TextUs product cater to the people they serve. It isn’t a giant marketing campaign, but a product that connects the credit union with its members in a way many CU’s struggle with. As Morriss Partee would put it, they are a microbrew of a credit union; unique and incredibly awesome.

• Credit unions will market cooperatively nationwide

This is kind of a vague one. By “market cooperatively” does he mean a nationwide brand? If so, I think you already know my opinion. Credit Unions are a diverse animal. To brand something, it takes a common thread, product, or culture. By trying to put all credit unions under a single brand, it smothers so many cool, unique credit unions (like MT. Lehman) that have a brand that works for them and their field of membership.

Not only does it smother uniqueness, but branding credit unions under a single banner would be nearly impossible. There are so many different cultures, each credit union has it own way of doing things, and a brand requires a coherent culture throughout. When you walk into a Starbucks, you can pretty much tell what your experience will be. Credit unions are totally different. Walking into Boston Firefighters’ Credit Union is necessarily different than walking into Maine State Credit Union because the demographic served by each credit union requires a different approach.

In the first part of the article, Dollar is quoted stating that, “The megabanks will lead to a disconnect with local citizens.” If credit unions end up nationally branding/marketing how would we be able to connect with local citizens any better than a megabank? Our strength is in our diversity, not our size.

• Shared branching will be a key credit union differentiator, with nearly all credit unions participating nationwide, thus reinforcing a national branding campaign.

I’m sorry, but shared branching is not a differentiator. Shared branching is a way for credit unions to compete with the nationwide banks, but that’s as far as it goes. With BoA having branches on every street corner, the fact that you can do business at many credit unions nationwide does not make us different, it makes us the same. It is something we certainly need to educate our members about more often, but to say it differentiates credit unions from banks is nearly outrageous.

My take on credit unions in 2020?

Credit Unions, in my opinion, will be the main provider of community banking. Not based on national branding, not based on shared branching, not based on mergers, but based on diversity. Our strength has always been, and will always be, our ability to listen to our members and provide them with the things they want. Credit Unions will collaborate, rather than merge, to deal with regulatory pressures. They will collaborate to form marketing efforts if it applies to a shared demographic. They will collaborate to pass innovative new products and services from one credit union to another, allowing each credit union to tailor the innovation to their members’ needs. What we need is not a national brand, but to work as a team of unique, individual credit unions. That is where the strength, differentiation, and innovation lie.

Save-or-Sink: Financial Literacy as a Brand Message

I’ll start this off by saying; I think credit unions have a huge opportunity coming up. Where many see a problem, we should see the opportunity to stay true to the credit union mission and to differentiate ourselves from banks.

What is this opportunity you might ask? Financial literacy of course!

According to The Young Americans Center For Financial Education:

• Of the 6000 students that took the Jump$tart survey, 62% of them failed.
• In the 18-24 age bracket 30% of their average monthly income goes to debt repayment.
• 45% of teen know how to use a credit card while only 26% showed understanding of interest rates and fees.
• Only 1 in 3 teens know how to read a bank statement, Balance a checkbook, or pay bills.
• Barely 1 in 5 teens know how to invest.

Judging by these numbers, the young people of our nation (“my” generation) have very little understanding of how to manage their finances.

This is a tragedy in my opinion, and many people don’t see a solution. I see it as an opportunity for credit unions to fill a void that perfectly fits our mission of people helping people and promoting thrift.

Financial literacy is often breezed over, if covered at all, during the average high school career. Though it is unfortunate, it is easy to see why. Teachers have so much to worry about teaching that financial literacy often doesn’t seem like a priority.

This is where Credit Unions come in. We have the ability, resources, and hopefully, passion to bring financial literacy to classrooms across our fields of membership. We are perfectly positioned to take advantage of resources like NEFE to help bring knowledge of financial management to students in our local area.

If you don’t already know what NEFE is, it is a non-profit organization dedicated to bringing people a financial literacy curriculum with a focus on high schools. They provide materials that are free to schools, including a full set of lesson plans, case studies, and workbooks. It is an incredible resource with a great track record of partnering with credit unions to bring it to local schools.

If your credit union hasn’t already looked into some kind of financial literacy program, now is the time to do it. The economy is struggling, debt is rising, and nearly a million people found themselves unable to stay afloat last year. The timing couldn’t be better for credit unions to jump in and help break the cycle caused by people living beyond their means. Many are finding themselves in a save-or-sink situation.

It is true that people just saving doesn’t benefit a credit union’s bottom line. In fact, if the dividends going out to deposit accounts aren’t matched by interest coming in from lending products, the profit margin can get tight.

Don’t think of promoting saving as an expense though, it is an investment in your community. When you teach somebody to save, it builds loyalty to your credit union. When they have some savings, they feel more comfortable, and are more able, to get lending products. Because they identify the credit union as the place that helped them to be financially sound, they are more likely to look at your credit union when shopping for a loan or credit card.

Show your community that you are looking out for them, teach them to be financially sound, and they will look to you more often when other decisions are at stake. Financial literacy is an investment in the future of your community. Though they may just be saving money now, they WILL be looking for that auto/home/personal loan in the future. If you can position your credit union as an advocate, it will be the place those people will look first.

My Audition for the 2008 Partnership Symposium

Sorry it took me so long to get this out there. It's been a crazy few weeks.

The Loop Out & About Episode 2

This Saturday, Maine State Credit Union hosted our Third Annual Walk to Stop Hunger in Maine. The past couple years we held it at the University of Maine in August. This year we moved it to Capitol Park, right in front of the capitol building here in Augusta.

Here’s some information from our Leagues site (the total number of Maine households differs slightly depending on the site you are looking at, such as The Good Shepherd Food Bank site)

More than 40% of Maine kids under the age of 12 show some evidence of hunger
19,375 Maine children are hungry
An additional 64,087 children are at risk of hunger
New data shows that 12% of Maine households, representing 161,000 people, experience food insecurity
Hunger and the risk of hunger are widespread among Maine's low-income families with children
The likelihood of experiencing hunger or the risk of hunger is directly related to income
Children living in households which experienced hunger or the risk of hunger are more likely to experience health or school-related problems.
Several groups are found to be at greater risk of hunger in Maine; children, adults in low income families, disabled persons, persons with special needs, the elderly, those living in rural regions and the inner cities of Maine's largest urban places.
Several factors contribute to hunger in Maine; including income growth that is outpaced by cost of living; high level of underemployment; widening gap between rich and poor; illiteracy; and lack of consumer information on nutrition.

The event has grown every year. The first year had 180 walkers, year two had 196, and this year we had a big jump up to 225. Thanks to all those who attended, donated, sponsored, and walked for this awesome cause.

Since the Campaign for Ending Hunger was started by the league in 1990, credit unions state-wide have raised over 2.7 million dollars for the cause. In 2007 the campaign raised over $360,000 to help those in need in our state. This year we matched last years walk by raising over $17,000.

This year we expanded the event to include a band, bounce house, balloon animals, and a fun run for those under 10. It really was a blast. We all had a great time hanging out after the walk, enjoying some dogs and burgers and listening to some great tunes provided by the band “Good Friday”, my personal favorite was their cover of “Waiting on the World to Change” by John Mayer.

This year First Lady Baldacci, who graduated with a degree in food and nutrition, joined us for the third year running to speak at the opening of the event and also walked the trail with our CEO, Normand Dubreuil. During her opening remarks she cited some of the above stats on hunger in our state, praised credit unions and Maine State CU for their involvement in ending hunger. My favorite quote from her was “This is something that certainly with the economy we have now is facing all of us, this issue, and is certainly something that we as Americans can end.”

Thanks again to everybody who showed up on Saturday to donate their money, canned goods, time, and services to help Credit Unions put a dent in the hunger problem in our state.

A special thanks goes out to Mike Stewart who raised the most money of an individual (over $700). He’s a great guy with a great attitude and an incredible dedication to the cause.

Also, thanks to Anthony Geroux, collections Manager here at MSCU, who led Team Geroux to raise the most of any team (over $2400).

We all had a blast! I hope anyone who didn’t make it this year will join us next year for this awesome community event for a lot of fun for a good cause.

Edited With: Windows Movie Maker

Filmed With: Cannon Powershot

Music: You Know That (Is Nothing New) - Bill Mallonee

Softball, Irony, and The Joy of Office Sports

On Saturday after our Walk to Stop Hunger (which I’ll have a post on later in the afternoon), a few of us got together for a good old fashioned game of wiffle ball home run derby.

After a few rounds, Shaun (a teller here at MSCU) was up to bat. Hans (who has spearheaded our softball team) was pitching. Hans tossed Shaun a pitch and was promptly hit in the throat by a powerful line drive off Shaun’s bat leaving a sizable red welt on his neck. We all joked that he’d better not do that with a softball at practice!

Fast-forward to last night. Maine State Credit Union’s softball team met for our first practice. We started with a quick game of catch just to warm up, and then set up on the field for a bit of batting practice.

Not a half hour into practice, Shaun was up to bat. We even joked that Hans was safe because he was playing left field, what could possibly go wrong? Paul (our security officer) threw the pitch and Shaun ripped one out to left field. Hans moved in to make the play. The ball caught the top of Hans’s glove and hit him right in the eye. Talk about ironic!

He ended up requiring a trip to the ER, 5 stitches, and sustained a small fracture on his cheekbone. Hans, being “The Man”, still showed up today for work, though he is sporting a Captain Hook eye patch and a pretty good shiner on his right eye.

Despite the minor hospitalization, we had a blast, got to know each other outside work, and got a bit of fresh air. I'm really looking forward to the start of the season next Thursday.

Moral of the story? You never know when lightning might just strike twice.

P.S. It was Hans who wanted me to post the picture :-P

"Shouldn't You Know That?"

Last night, the girlfriend and I went on a small shopping excursion. We were looking to make some pizza to accompany our viewing of The Kite Runner. So on the way home we stopped at the closest grocery store to our apartment to pick up few things.

We scoured the isles looking for pre-made pizza crust (yeah, we were feeling lazy) and were unable to find it. So we went up to one of the deli workers and asked where we could find them. His answer was “uhhhh...that’s a good question, ask customer service, they’ll know.”

We couldn’t believe it. We went and waited at the customer service counter for a few minutes (which happened to be vacant at the time) until somebody came out of the back office to assist us. We were pointed in the right direction and were soon on our way home for a delicious meal.

It wasn’t until later that my frustration with this deli worker made me realize an important aspect of the member experience at a credit union.

It is so frustrating to be shuffled from one spot to another to find the answer to what you consider a simple question. How many times as a teller did I send people to member services to get an answer to something I probably should have known? It happened every day.

People don’t want to wait, even for a few moments, when they come into the credit union expecting an easy transaction. Those few moments can be the difference between service a member might tell a friend about and an annoying experience they complain about to that same friend.

Easy access to information should be a priority for credit unions. Consolidate all your information silos into an easily accessed and searchable system. Something that allows anybody in the institution to access the information needed to serve members in a single sitting instead of shuffling them to separate departments.

Financial institutions are not simple creatures. There is a lot to them, more than most people can memorize. It isn’t a matter of memorizing all the procedures, policies, and processes, but being able to recall them quickly. A streamlined internal network can allow your tellers to “recall” all that information in a timely fashion and keep the shuffling down to a minimum.

This can benefit your institution in several ways.

First, it keeps your members happy. If they can approach a teller with a question on their loan and get the answer without being sent to see a loan rep. it can make a significant impact in their morale while at the CU.

Second, it’s a great way to allow tellers to become familiar with all aspects of the credit union. It’s basically like on the job training if they ever make the choice to move up within the institution.

Third, it can minimize confusion between departments. I wont lie, sometimes wires get crossed and what one person tells a member is incorrect or in conflict with what they’ve been told at somebody else’s desk. Consolidating all that information in a single system can minimize the occurrence of crossed wires. It can allow you to give consistent information across all departments.

Creating a streamlined system for your information, files, and policies can enhance the member experience, familiarize your staff with the inner workings of the credit union, and create more consistency/fewer errors within your institution.

As a side note, just to toot my own horn, this marks my 50th post here on The Loop. Thanks to all those who have supported and enjoyed it so far!

The CU Loop: Out & About

This is a pilot episode for what I hope will become a regular video segment here on The Loop, Hope you enjoy it! Check it out again next week when I'll be hanging out at The 3rd Annual Walk to Stop Hunger in Capitol Park here in Augusta.



As anybody who works at a credit union knows, we get tons of calls for donations and sponsorships each year. This year we were able to help a really great group of kids explore a new avenue for learning by sponsoring a robotics club at Messalonski High School. The team, called Infinite Loop (I knew they were cool as soon as I saw "Loop" in their name!), Competed in the US First Robotics Competition in Manchester, NH.

Mary Dolan and I got the opportunity to go check out a demonstration before the robot was finished. We were very impressed, but seeing the finished product on April 2nd during an open house they held was awesome. This was their rookie year, and I have to say that I'm looking forward to some great advances in their design as the years go on.

They placed 23rd out of 48 teams, a great showing for their rookie year. The team was sent the basic computing parts, sensors, and gyros from the FIRST foundation but the rest was up to the team. They put together the frame, connected the computer, power, sensors, pneumatics, etc. They were responsible for all the design and programing.

Most of these students were starting from scratch when it comes to robotics. With the help of the math team and with several team members in Calculus class, the team programed all the input and even programed the bot to operate autonomously for 15 seconds at the beginning of each event.

I'm very happy that we were able to help out this group of bright people. They got to experience a possible career path, explore new aspects of math they were learning (how great is it to actually get a concrete answer for "when will we EVER use this?"), and get some great hands on learning with everything from engineering to making T-shirts. In my opinion, there is nothing better than some hands on learning to build real life experience and see what the mind can accomplish.

So, Congrats to Infinite Loop for doing such an awesome job during their rookie year. I'm really looking forward to checking it out again next year. I even got invited to help them put the next project together come January.

Music: 86 Degrees - Epilogue
Edited with: Windows Movie Maker
Filmed with: Cannon Powershot

BCBNE – The Tweets

On April 5^th, as most of you already know, I attended BarCampBank NE. While in the sessions I tried my best to do some live tweeting of my favorite quotes. I went back and read them and found that they contained some information that I missed in my original recap of the day. Taking a cue from Morriss Partee, Here are a few of them and what I took away from them.

During our first discussion session, David Inverarity posed the question, “shouldn’t we have a system so that our members get a say in where our donations go? It is their money after all.” This struck a chord (might I say an epic power chord) with me.

Where does all this donation money come from? Well, from the members of course. This money would usually be redistributed out to members in the form of dividends. Because we use it for donations, the members don’t technically get a return on it. It is money that would otherwise go back into their pockets, so why shouldn’t we consult them as to where we donate their money?

Later in the morning, Ron Shevlin offered some sage insight. It might even be my favorite quote from the whole day. As I mentioned previously in this post, Gene Blishen had just finished describing how Mt. Lehman Credit Union offers large tents to members for weddings or other gatherings. Ron chimed in saying, “Its not about the stories we tell members, its about the stories they tell themselves.”

What is it about your brand that keeps people coming back? What story do they tell themselves in their minds that makes them choose you over the bank down the street? Everybody has a reason for using the same brand over and over. We, as credit unions, talk about the importance of telling your brands story, but it is even more important to create stories that the members tell themselves.

Later in the evening, my final tweeted quote came from Morriss Partee during a great conversation concerning the merging of credit unions. He posed the question “will P2P lending move in to fill the void as the number of small credit unions and community banks decreases?”

There is a general push for credit unions (and banks too) to get larger and larger. Many credit unions are merging with smaller institutions and the small credit union seems to be somewhat of a dying breed.

There is a need for a feeling of community. It is the reason social networking has exploded the way it has. The same goes for P2P lending. People like to feel like they are part of a unique social circle and companies like Zopa and Prosper are catering to that through social lending.

As the number of small credit unions decreases due to mergers and other factors, P2P lenders may move in to pick up the people who seek a personal touch in their banking. How can a large credit union hold on to that personal service with so many members?

Where Has All The Creativity Gone? [Open Source CU]

Creativity, despite being one of the things that people cite as the reason they love their job, is one of the hardest things to accomplish in a typical financial institution. So many executives and marketing directors get so caught up in the ROI and the numbers that creativity gets lost in the background.

Now, this isn’t meant to fault those people. Tracking the effectiveness of a marketing campaign is essential to their position. What if you could get some help?

When I say “get some help” you might reply, “We don’t have the budget to hire on a bunch of new marketing people!” Let me offer an idea that might kill several birds with one stone.

Innovate Your Institution

The hierarchal structure of most financial institutions makes it very difficult for lower level employees (Tellers and MSR’s) to bring up ideas. Typically the proper channel of communication ends up smothering the idea as unusable, or it gets lost before it makes it to somebody who might care.

Front line staff, MSR’s, and Loan Reps are the people who have the most contact with your member base. Why shouldn’t their ideas be considered just as highly as anyone else’s…if not more? They may see an opportunity where nobody else does.

There is so much creative power located in your teller, member service, and loan departments that almost never sees the light of day. What might come out of this collective group if given the opportunity to throw out ideas in a community environment, bounce them around, and create something of value?

Give people the opportunity to be creative and you’ll find a fountain of unique, interesting, and valuable ideas for products or processes that might have never come to light.

Retain Your Valued Employees

If you are looking to retain employees (tellers especially) there needs to be a sense that their position offers something of value to the whole, especially when trying to retain younger, GenY employees. Giving people, regardless of position or “silo”, the sense that what they have to say makes a difference can be very powerful.

Create a wiki, or discussion board, anything that gives people the opportunity to discus new ideas or concepts in an environment that is free from the fear of rejection. So often people are afraid to share because they feel that their idea will be shot down from the get-go and the possibility of humiliation makes them shy away from unleashing their creativity.

Create an environment that is open, collaborative, and free from this fear and you might just end up with a great source for creativity within your institution.

Your next question might be, “Well how do we get these people to come up with ideas? Do they really care enough to contribute?”

Create Evangelists

Credit Unions have a built in advantage when it comes to encouraging this kind of participation. There is an underlying cause behind credit unions that goes way beyond gaining profit.

I recently made a trip to BarCampBank New England on April 5th. It was held at America’s Credit Union Museum and it has inspired me beyond words. Seeing how it all started has given me new direction, inspiration, and dedication to my work at Maine State Credit Union.

The best way to get people excited about working at a credit union is to tell them the story. Show them what a credit union really is, what it stands for, and why it started in the first place. People find it much easier to get behind a cause than just a company. Share with them the powerful message behind their job. Show them the meaning of the institution and the movement as a whole and they might just be inspired to help move it along. It happened to me, it can happen to anybody.

Create a place for collaborative brainstorming, get people motivated behind the cause, and allow them to express ideas in an open environment where their say counts and you’ll end up with credit union evangelists…who just so happen to work on your teller line.

I originally wrote this as a guest post on the awesome blog OpenSourceCU, Check 'em out!

An Incredible Weekend of Conversation

My brain is still reeling from information overload from BarCampBank New England. What a weekend. The wealth of knowledge that came out of this meeting of the minds was astounding.

America's Credit Union Museum

The day started with an tour of the Inspiring, educational, and moving Credit Union Museum. All I can say is wow. The way this movement started is incredible beyond words. As I sit inside a huge building, the understanding that credit unions started as a tin box where poor mill workers who could not get service from a bank deposited their earnings blows my mind. To see the actual house that served as St. Mary's Bank (the literal translation of La Caisse Populaire Ste.-Marie is “Bank of the People,” St. Mary’s) was awe inspiring.

My favorite quote from the tour was when Morriss Partee (EverythingCU.com) pointed out the fact that, as we stood next to a bench in a hallway, "this is the place". It gave me goose-bumps knowing that I was standing where, almost exactly 100 years ago, the first mill workers waited to deposit their first dollars into the first credit union in the USA. America's Credit Union Museum is a place that every single employee of a credit union, from Tellers to Presidents, should experience. It will literally change the way you see the movement.

Social Media Discussion

The first session, proposed by Ginny Brady of UFirst CU, was a great discussion regarding social media and its uses. My favorite quote from the session came from Ron Shevlin, "it isn't about the stories we tell people, but the stories they tell themselves. It is about creating experiences."

This quote came after Gene Blishen described a very unique offering that Mount Lehman Credit Union provides it's members. They have 2 large tents that they offer, free of charge, to their members for weddings, funerals, and any other large gathering they may be holding. What a great way to connect with members. When somebody associates your credit union with such an emotional event as a wedding, you can bet that it is a bond that will last.

If you can use social media to facilitate the spread of these kinds of stories it has the potential to be a powerful "word of mouth" message.

Current IT Priorities

Next up was a session started by Dave DelVecchio who brought up the major IT issues facing credit unions now. Needless to say, it was a lengthy list. As tech continues to advance it brings up many security issues, risks, and higher implementation costs.

Which segues nicely into the next topic of mergers.

Christian Mullins of CU Potential led a very detailed and interesting session on credit union mergers. He talked about many of the wrong reasons for credit unions to merge, including growth for growths sake. Huge credit unions gobbling up the small ones just to increase field of membership and assets. The ever insightful Ron Shevlin posed the question, "what are the right reasons to merge?"

According to Christian, when a credit union can no longer sustain itself on its own. To compete with the large banks credit unions have had to make the move to offer similarly diverse options such as online banking, account origination, etc. Many of these small credit unions simply don't have the assets to implement this kind of product and so they lose a competitive advantage and become unsustainable.

Gene Blishen pointed out that at this point a credit union could still try and stay a "boutique", but that is harder said than done.

Wiki's, YouTube, and Collaboration.

Next we moved on to the subject of wiki's, youtube, and collaboration. Despite being incredibly nervous and scattered, I managed to get some discussion going about fostering a community of credit unions. Ron Shevlin again jumped in with some great advice. He started off by asking, "what will you give me for my answer?" Apparently my offer of 75% of a bottle of coke was enough for him to continue. "Everybody will always ask, what's in it for me?" There has to be some value to the individual before there is a sense of community. It is never about the technology, but the purpose, value, and direction behind that tech. Just because you have a wiki or discussion board doesn't mean people see value in using that space.

Charlie Kroll (CEO of Andera) added that perhaps it is a matter of fostering that community and THEN implementing a technology solution to bring them closer together.

Finally, David "Man of a Thousand Tabs" Inverarity demonstrated some of the technology that his credit union is using in Canada. This included showing the group their Wiki site for employees as well as their great One Member One Vote campaign. It was incredible to see the new way they are letting the board candidates connect with the membership, share their message and vision, and encourage those that might not see a need to vote.

ROCK OUT!

We ended the day with a session of Rock Band. Ron Shevlin, Morriss Partee, and I rocked the house with a little Boston, Flyleaf, and Soundgarden. Then it was off to dinner at Richard's Bistro, which I would recommend to anybody looking for an incredible meal in Manchester. Plus the restaurant was surrounded by several credit unions...making that much cooler.

Thanks to everybody for making this such an awesome event. Thanks to Morriss Partee for organizing this BarCamp, and a very special thanks to Peggy Powell for letting us crash America's Credit Union Museum on a Saturday. She is the sole employee and does some incredible work. I'm hoping to go back to the Museum soon so I can absorb some of the things I may have missed the first time through.

Here's to many Barcamps in the future!