Your Credit Union Partner

Your Credit Union Partner Your Credit Union Partner was founded in 2010 to help mid-sized and smaller credit unions grow, become more efficient and increase profitability.

YCUP helps credit unions grow with purpose through strategic planning, CDFI grant writing, field-of-membership expansion, and community development—strengthening thriving credit unions and the communities they serve. Today, Your Credit Union Partner is the trusted advisor to more than 200 credit unions across the United States. We provide affordable access to the expertise and resources mid-sized

and smaller credit unions need most. Many of our clients consider us an extension of their management team. Many of our clients are widely considered best practices for profitable loan and membership growth and have earned prestigious national recognition for outstanding results. We understand the challenges credit unions face and have the expertise and commitment to find the best solutions. We understand credit unions inside and out. Our experience is hands-on, with more than 25 years of working in virtually every credit union position. Our advice is based on diverse internal and external experience - it’s not theoretical.

I had the opportunity to sit down with CUbroadcast at the ENGAGE 2026 conference to discuss what I’m hearing from credit...
06/17/2026

I had the opportunity to sit down with CUbroadcast at the ENGAGE 2026 conference to discuss what I’m hearing from credit union leaders across the country and the key themes from my Small Credit Union Roundtable session.

One message stood out: the challenges facing small credit unions are real, but so are the opportunities. Leaders are asking important questions about relevance, sustainable growth and how to remain indispensable to the communities they serve.

During my session I shared remarkable best practices of thriving small credit unions.
Thank you to the League for the opportunity and CUbroadcast for the conversation and to everyone who participated in the discussion at ENGAGE. I’d love to hear what themes you’re seeing in your credit union as well.

Link to the interview

Scott Butterfield discusses key insights, challenges, and opportunities highlighted during the Small Credit Union Roundtable at ENGAGE 2026.

Many credit unions say they want growth.But the real question is:Are we willing to intentionally serve the households th...
06/16/2026

Many credit unions say they want growth.
But the real question is:
Are we willing to intentionally serve the households that need us most?

At YCUP, we often encourage credit union leaders to “Go Ask ALICE.”

ALICE (Asset Limited, Income Constrained, Employed) households are working families who are employed, contributing to their communities, and often financially stressed despite doing everything right.

For many small and mid-sized credit unions, these households already exist within or adjacent to their current field of membership.

The opportunity may not require becoming something different.
It may require becoming more intentional.

That can include:
• Expanding into underserved communities
• Strengthening risk-based lending strategies
• Building community partnerships
• Offering products designed for real financial stress
• Aligning field of membership strategy with community need

We recently explored this in CUInsight:
“In Search of New Members? Go Ask ALICE”
Read here:
https://www.cuinsight.com/in-search-of-new-members-go-ask-alice/
Learn more about YCUP’s strategic planning and field of membership work: yourcupartner.org

Find out how ALICE can revolutionize member acquisition for credit unions in today's crowded financial landscape.

Today I have the privilege of joining Helen Mickel and the team at Tongass Federal Credit Union for a strategic planning...
06/15/2026

Today I have the privilege of joining Helen Mickel and the team at Tongass Federal Credit Union for a strategic planning session.

After more than four decades in the credit union movement, I still find it inspiring to spend time with leaders who never lose sight of why credit unions exist. Helen and her team are among those leaders. Tongass FCU has earned a reputation as one of the credit union movement's true community development champions, combining a deep commitment to serving people with a strong, healthy, and growing organization.

That combination is not easy to achieve. Many organizations focus primarily on growth, while others focus solely on mission. Tongass FCU continues to demonstrate that mission and margin can work together to create lasting impact for members and the community.

I am looking forward to the conversations ahead as we discuss opportunities, challenges, and the future vision for the credit union. More importantly, I am looking forward to learning from a team that has consistently demonstrated what it means to put cooperative principles into action.

Thank you, Helen, and the entire Tongass FCU team, for the opportunity to be part of the journey.

Love this!!!
06/09/2026

Love this!!!

When our community faces hardship, we come together. The five Cowlitz County credit unions, alongside the GoWest Credit Union Association, have donated $27,000 to the Cowlitz-Wahkiakum CLC Family Support Fund and continue to support this effort by accepting donations for impacted families. We are grateful for the incredible generosity shown by our community as we rally around those affected by the Nippon tragedy.

💙Lower Columbia Longshoremen's Federal Credit Union Mint Valley Federal Credit Union Red Canoe Credit Union PUD Federal Credit Union GoWest Credit Union Association

Thanks to Cuinsight.com for opportunities to share our thoughts and observations in your community format!
06/09/2026

Thanks to Cuinsight.com for opportunities to share our thoughts and observations in your community format!

Find out how credit unions can overcome stagnation and foster growth by focusing on their unique strengths and community needs.

Demography is destiny.The communities surrounding many credit unions today look very different than they did 20 years ag...
06/09/2026

Demography is destiny.

The communities surrounding many credit unions today look very different than they did 20 years ago. Population shifts, economic changes, immigration trends, and the growth of ALICE households are reshaping financial services demand across America.

Yet many credit unions are still operating within field of membership structures designed for a very different era.

Strategic field of membership expansion is not about abandoning your identity. In many cases, it is about preserving relevance and ensuring your mission can continue serving future generations.

Some of the fastest-growing communities in America are also among the most underserved.

That creates both responsibility and opportunity.

We explored this concept further in our CUInsight article:
“Credit Unions: Demography is Destiny”

Read here:
https://www.cuinsight.com/credit-unions-demography-is-destiny/

Learn more about how YCUP helps small and mid-sized credit
unions evaluate growth opportunities: yourcupartner.org

Credit unions need people—understand how demographic changes can shape the future of CUs and community engagement.

What if your next growth strategy could strengthen both mission and margin?Many credit unions are overlooking opportunit...
06/05/2026

What if your next growth strategy could strengthen both mission and margin?

Many credit unions are overlooking opportunities to deepen their impact, expand their reach, and position themselves for programs such as CDFI certification and Technical Assistance funding.

My latest CUInsight article explores why community development may be the hidden growth strategy small credit unions are missing.

Find out how credit unions can overcome stagnation and foster growth by focusing on their unique strengths and community needs.

Field of membership expansion is no longer just a regulatory exercise. For many small and mid-sized credit unions, it ha...
06/02/2026

Field of membership expansion is no longer just a regulatory exercise. For many small and mid-sized credit unions, it has become a strategic growth conversation.
Across the country, we continue to see credit unions facing:
• Aging sponsor groups
• Slowing membership growth
• Increasing competition for deposits and loans
• Changing community demographics

At YCUP, we believe the field of membership expansion can be one of the highest-leverage growth strategies available to mission-driven credit unions, especially those looking to grow organically while remaining true to their purpose.
The most successful expansions are not simply about adding geography. They are about aligning strategy, demographics, mission, and long-term sustainability.

We recently shared some of our thoughts on this topic in CUInsight:
“Field of Membership Expansion: A High-Leverage Growth Strategy for Small and Mid-Sized Credit Unions”

Read the article here:
https://www.cuinsight.com/field-of-membership-expansion-a-high%E2%80%90leverage-growth-strategy-for-small-and-mid-sized-credit-unions/

Learn more about YCUP’s strategic growth and field of membership services:
https://yourcupartner.org

YCUP helps small and mid-sized credit unions grow with purpose. We provide strategic planning, grant and CDFI support, community development, and field of membership expansion.

Happy Birthday Tom Sakash! Im grateful for you. You are a vital part of our team and its a joy to collaborate with you e...
05/29/2026

Happy Birthday Tom Sakash! Im grateful for you. You are a vital part of our team and its a joy to collaborate with you each day! You're are very best!

I'm really going to miss Kathy Chartier.Some people leave behind accomplishments.Some leave titles, awards, and professi...
05/23/2026

I'm really going to miss Kathy Chartier.

Some people leave behind accomplishments.
Some leave titles, awards, and professional success.
And then there are the rare people who leave behind something far more meaningful: beloved community.

That was Kathy Chartier.

What I will miss most about Kathy was not simply what she did, but who she was. Her humanity. Her deep care for others. Her unwavering belief that people mattered and that communities become stronger when we truly see, support, and stand up for one another.

Kathy built community everywhere she went. She built it at home with family and friends. She built it through her service in the local community. She built it within the credit union movement locally, nationally, and even globally. And she built it quietly, consistently, person by person, relationship by relationship.

She had a way of making people feel valued and heard. She believed in people, especially during moments when they struggled to believe in themselves. Kathy understood that leadership was never about position or recognition. It was about lifting others up, creating opportunity, and leaving people better than you found them.

Over the last ten years, I had the privilege of working closely with Kathy, and I can honestly say they were the best years of my 41-year credit union career. Not because the work was always easy, but because Kathy helped remind all of us why the work mattered.

I learned so much from her.

I learned perseverance during difficult times.
I learned hope and optimism when circumstances felt uncertain.
I learned the importance of standing up for others, especially those without a voice.
And I learned that real leaders never stop learning, growing, and challenging themselves to become better human beings.

Kathy carried herself with courage and grace, including through her battle with cancer. Even in difficult moments, her focus so often remained on others rather than herself. That was simply who she was.

The credit union movement talks often about “people helping people,” but Kathy truly lived it. Not as a slogan, but as a daily commitment.

I feel incredibly blessed that our paths crossed and that I had the opportunity to call Kathy my friend. Her influence on my life, and on so many others, will continue long after her passing.

The communities Kathy built will continue because of the seeds she planted in others. Her kindness, compassion, courage, and conviction live on in the people she inspired.

And for that, I will always be grateful.

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