Credit unions might be not-for-profit cooperatives, but the point of successful marketing is to increase your bottom line by growing your top line.That means paying attention to member engagement. Ultimately, your measure of successful member engagement is whether member activities are ever increasing their contribution to revenue. The key is to understand and measure member behaviors that are profitable, productive and will grow your revenue streams. Think of member engagement as the intersection of a member using your credit union, having an affinity for your credit union and feeling compelled to advocate for your credit union. Engaged members have real financial value that transcends their decision to do business with you beyond price or even convenience. If growth is your goal, focusing on member engagement is the path.Here are a few ideas to get you started:Identify your members’ why: You need to understand the primary reason your members choose to do business with you. This can be done simply with an annual member survey. Ask your members what is the most important reason they do business with you. If the answer doesn’t align with your core purpose and strategy, you need to re-tool your message. You may already have an idea why your target market does business with you, but you want to make sure your marketing messages are resonating. There is a lesson in statistics that correlation does not equal causation. In other words, just because two things are correlated, one might not be caused by the other. When it comes to the members’ why, you need to know the difference. Measure engagement: Member engagement can be hard to quantify if you don’t have the appropriate measures in place. You need to first ensure that what you are measuring is actually helping you make marketing decisions that can increase your response rate, determine perceived value and increase loyalty for reasons other than price and convenience. Set up metrics that measure results and then carefully research what messages are causing the desired responses from your target market. As you review the results, look for root causes for success or failure. It could be the messaging for one product area is falling flat. It could also be that the service delivery of a particular product is preventing success. Year over year, you will have a clear picture of where you are making progress and where you are not. Understand member behavior: We all know that members will respond to lower prices, but if this is your only strategy for growth, you are swimming in shark infested waters with competitors that have larger economies of scale and can beat you at the low-price game. To really grow long-term, you need to establish metrics that measure your members’ response and affinity beyond price. There’s a difference between having credit cards in your portfolio and understanding how members use them. Members choosing to pull your card out of their wallet to make purchases is the behavior that creates your top line growth.To truly measure your marketing’s effectiveness and the extent of your brand’s awareness, you need to measure your members’ engagement level. If you are not striving for this, you are leaving money on the table and missing the ability to grow both your top and bottom line. 11SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Bryn C. Conway Bryn C. Conway, offers more than 15 years of experience as a former credit union executive with extensive background in strategic planning, brand development, member experience, retail delivery and public … Web: https://www.bccstrategies.com Details
Sign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York An alleged gunman has been arrested for allegedly shooting a North Amityville man because the suspect believed that the victim’s grandson pulled the suspect’s daughters hair this week, Suffolk County police said.Anthony Franklin, 28, of Amityville, was charged Wednesday with assault.“Franklin was upset that his 6-year-old daughter had her hair pulled by another student on the bus ride to school,” police said in a news release. “Franklin went over to the residence of the boy he believed was involved on the bus.”Police said the suspect shot Wilson McWilliams twice after confronting the victim inside the victim’s Albany Avenue home and then fled the scene shortly before 4 p.m. Tuesday.McWilliams was airlifted to Stony Brook University Hospital, where he was in stable condition.Franklin will to be arraigned Thursday at First District Court in Central Islip.
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2. Avoid mass gatherings and crowds. 3. Wash your hands for at least 20 seconds using soap under running water as often as possible. 4. Do not touch your face before washing your hands. 5. Avoiding physical contact such as handshakes, cheek kissing, etc.6. Wear a face mask if you have a cough or are sneezing or sneeze and cough into your elbow. 7. Keep children inside. 8. Refrain from traveling outside the city. 9. Stay at home. Indonesia recorded a spike in COVID-19 deaths to 25 on Thursday afternoon, the highest in Southeast Asia, with 308 confirmed cases in 16 provinces, according to data from the Health Ministry. Jakarta has the most fatalities with 17 deaths.According to data provided by the Jakarta Health Agency on corona.jakarta.go.id, 976 people were being monitored and 480 others were under close observation as of Friday.To access further information regarding COVID-19, visit the government’s official website at corona.jakarta.go.id or phone the call center at 112 or 081388376955. Topics : Jakarta Governor Anies Baswedan has urged people in Jakarta to stay home and refrain from traveling outside the capital as a preventative measure against the COVID-19 pandemic. During an internal meeting with the Jakarta Police, the Indonesian Military (TNI), mayors as well as district and subdistrict heads across Jakarta, Anies stressed the importance of staying home and only going out when the situation deemed necessary.Anies also reminded the mayors and local administrative chiefs to introduce preventative measures against the spread of the lethal coronavirus to people in their respective areas of jurisdiction. “At least stay [in Jakarta] for three weeks. I’m delivering this information because we do not want Jakarta to experience the same thing that happened in other places,” Anies said in a written statement on Thursday.“Please do not leave Jakarta unless the situation is urgent,” he added. Anies instructed the mayors and regent of six administrative areas in Jakarta, as well as district and subdistrict heads, to convey the following preventive measures to the public:1. Avoid going outside unless in an emergency.
The €420m pension fund of cement manufacturer ENCI and affiliated companies has decided to liquidate itself and transfer existing pension rights to insurer Nationale Nederlanden (NN). In addition, it has concluded a defined contribution pension plan with NN for further pensions accrual for its active participants.The insurer has guaranteed the transferred pension rights and is likely to top them up with a “limited” one-off indexation, the pension fund added.At November-end, the pension fund’s coverage ratio was 104.7%. According to Arian Verhagen, the scheme’s chairman, NN had come up with the best proposition.“The insurer not only scored well on price but also on administration, communication and implementation,” he said. For the collective value transfer, the Stichting Pensioenfonds ENCI has been supported by consultant Towers Watson.The ENCI pension has 2,200 participants and pensioners.In other news, watchdog De Nederlandsche Bank (DNB) has issued the €669m pension fund for Alcatel Lucent with a €5,000 fine for twice submitting financial statements too late.In August, it missed a deadline for a quarterly statement by four days, after submitting another statement two weeks too late earlier in 2014.Although the basic fine for the violations is €500,000, DNB said it had taken the seriousness of the violation, the degree of culpability and the scheme’s financial position into account.At November-end, its coverage ratio was 99.7%.In its defence, the pension fund said its custodian had submitted the financial figures too late.In addition, it said its investment report had been delayed by an “insufficiently settled staff” and the holiday of an external party.However, in the opinion of DNB, the pensions provider remains responsible for outsourced activities.In recent months, the regulator has fined several pension funds for similar violations, after announcing that it would “get tough” on meeting deadlines.
The percentages of known email addresses range from 11% to 96%, mainly with the details of deferred participants missing. The healthcare scheme PFZW reported the highest score.BpfBouw, the pension fund for the building sector, is trying to obtain digital details through a large banner on its website. Currently, it has the email adresses of no more than 44% of its 155,000 active participants.Despite 3,000 of them having passed on their details since October, the percentage of email addresses on file has hardly improved, following an increase in the number of participants, the pension fund said.Metal schemes PMT and PME said they have the digital details of approximately one-third of their participants and pensioners.The remaining two-thirds still receive their uniform pension statements (UPO) and other correspondence by traditional paper mail.PMT and PME have 1.3 million and 615,000 workers, deferred members and pensioners, respectively.PMT said that it could save €2m annually if it could reach all participants and pensioners by email.The two schemes, whose joint pensions provider is MN, said they will send their participants an invitation to register on their online platforms.They said they expected to reach 80% of their participants through email in 2022.The metal funds noted they won’t opt for communication through the government-supported message box (Berichtenbox), as this charges pension funds for its services.Despite the costs – €0.14 for each time a participant logs in, and €0.40 for each letter placed in the box – civil service scheme ABP said it considered the message box as an alternative to email communication because of its lower costs and sustainability reasons.It said it had joined forces with the Pensions Federation to address the issue of costs charged by the government for its message box, explaining that care insurers can use the service for free.Of ABP’s 1.13 million active participants, 640,000 receive correspondence by email, while 100,000 are reached through the government’s Berichtenbox.The civil service scheme said it will send the remaining 400,000 a letter invitating members to visit its website and register. Several large Dutch sector schemes are actively trying to persuade their participants to pass on their email addresses in order to save on communication costs and for sustainability reasons.They are finding, however, that the process is laborious, and that they have a long way to go before they no longer need the postman and can save millions of euros through digital correspondence.Although most schemes already have an online platform and prefer digital communication, the main hurdle is that they lack the email addresses of many active participants, deferred members and pensioners.Participants must explicitly approve their pension fund’s request to switch to digital correspondence.
A place to escape the weather and enjoy the fruits of your labourAnd in Cardwell, you can harvest the fruit trees before escaping in to the cyclone shelter at 14 Roma St.Set a few streets back from the foreshore, this four bedroom home sits on a 1872sq m block, and also comes with its own bore water. Also on the market is 3 Mark Close at Pin Gin Hill, west of Innisfail.The four bedroom house is on the market for offers over $449,000 and has a cyclone shelter below one of the smaller bedrooms. It even has its own front door. This room doubles as a cyclone shelter/music room — and has been soundproofed to drown out gale-force winds and tone deaf musiciansOn the market for $510,000, the cyclone shelter at 42 Alstonia Drive has a solid brick core and is soundproofed and air-conditioned. This historic property comes with its own rustic cyclone shelter built in to the rock faceInside there is a simple table and chairs, and the bug out room comes with power, water, a generator box and a ventilation system. Inside the cyclone shelter carved in to a cliffAgent Kathlyn Johnson said the now vacant property, believed to be at least 100 years old, had stood the test of time — and the weather gods.“The current owners, their daughter and son-in-law lived there and he was a bit of a doomsday prepper so he built it,” Ms Johnson said.“He cut it in to the rock. It has been wired for generator power and has all the ventilation systems, its own water supply, a kitchenette and a bathroom.” MORE: What the coolest rentals will cost you This cyclone shelter was built by a “bit of a doomsday prepper” in IrvinebankA CYCLONE shelter carved in to the side of a rocky cliff is just one of the features that comes with a rustic post office in North Queensland. Located on the site of Irvinebank’s original post and telegraph office, entry to the bunker is via a solid door, with the internal rock walls exposed. The property is on the market for $200,000 and is just one of a number of properties currently on the market featuring a storm or cyclone shelter. Storm season has started with a bang in the southeast, and cyclone season officially starts on November 1.The Bureau of Meteorology released its cyclone outlook on Monday, predicting a below average number of cyclones for Australia due to weak El Nino conditions.“Although the tropical cyclone outlook indicates that there could be a below average number of tropical cyclones in the Eastern Region, past El Nino years have shown that severe tropical cyclones can make landfall about the Queensland east coast,” the outlook warned. More from newsParks and wildlife the new lust-haves post coronavirus16 hours agoNoosa’s best beachfront penthouse is about to hit the market16 hours ago“During the 2009-10 El Nino, severe tropical cyclone Ului crossed the central Queensland coast and showed that it only takes one landfalling cyclone to cause significant impacts on the local community. “Similarly, tropical cyclone Debbie was the only tropical cyclone for the Eastern Region in the 2016-17 season (a neutral ENSO year).” MORE: Regional Queensland towns striking property gold The bunker at 3 Mark Cl, Pin Gin Hill, is hidden below one of the bedroomsAlso in Pin Gin Hill is a four-bedroom house on almost three hectares at 430 Henderson Drive.This house comes with a partially inground cyclone shelter that would not look out of place in Tornado Alley.Agent Billie Hammett said the current owners, which include a former rural firie, had built the house and the storm shelter.“They thought it was better to be safe than sorry,” she said. In Weipa, the sturdy cyclone shelter at this house serves as a music room — drowning out gale-force winds and off-key singing.
Arminta was detained in the lockupcell of Police Station 1, facing charges for violation of Republic Act 9165, orthe Comprehensive Dangerous Drugs Act of 2002./PN Police officers served the warrantissued by Judge Domingo Casiple Jr. of the Regional Trial Court Branch 68 inDumangas, Iloilo dated July 16. Bacolod City – Police arrested a drug suspect in Barangay 12. The 43-year-old Charles Arminta ofTagaytay City was caught on the strength of an arrest warrant on Nov. 25, apolice report showed.
SPRING RUN, Pa. (March 26) – Andrew Hake ran an excellent race Saturday night, picking up the Pennsylvania Sprint Series season opener at Path Valley Speedway Park in a 10-year-old car with a motor his dad built.It was Hake’s career first IMCA EMI RaceSaver Sprint Car victory.Hake took the early lead and survived numerous caution flags, holding off some strong contenders. Mark Watkins, who has won numerous races at Path Valley, and Zach Newlin, the 2015 PASS champ were close behind.Watkins got a look under Hake on several occasions but Hake never faltered and Watkins was forced to settle for second.Dale Schweikart made it interesting with yet another good run at Path Valley closing in on the leaders in the final laps and pulling into contention in the final laps for third. Dave Brown came from deep in the field to finish fourth while Newlin held on for a fifth place finish.Twenty-one cars were on hand for the chilly season opener and the extensive work on the speedway over the winter paid off as the track was in excellent shape.The series moves on to Port Royal next week.Feature results – 1. Andrew Hake; 2. Mark Watkins; 3. Dale Schweikart;4. Dave Brown; 5. Zach Newlin; 6. Cale Reigle; 7. Kyle Lloyd; 8. Austin Burke; 9. Scott Lutz; 10. Kyle Ganoe; 11. Dave Grube; 12. Dave Guss Jr.; 13 Marcus Defreitas; 14. Brad Mellott; 15. Dave Graber; 16. Jeff Taylor; 17. Cody Hackenberry; 18. Jim Kennedy; 19. Ron Aurand; 20. Drew Ritchey; 21. Colt Lepley.
Liverpool host Tottenham on Sunday and now have the championship destiny in their own hands, with key clashes against City and Chelsea at Anfield still to come. City – who had named an unchanged XI following the rampant midweek 3-0 win at Manchester United – started brightly as full-back Pablo Zabaleta had some joy down the right before Jesus Navas curled a 20-yard effort just wide. Arsenal, with Lukas Podolski starting after his goal in the 2-2 draw with Swansea on Tuesday night, just could not sustain any sort of possession as the visitors closed down space quickly. However, the home supporters felt they should have been awarded a penalty on 12 minutes when Tomas Rosicky went down under a challenge from Zabaleta. There looked to be some contact, but referee Mike Dean pointed for a goal kick. The sense of injustice galvanised Arsenal, who started to ask more questions of the City rearguard. Man City, though, were lightning on the break and swept into the lead on 18 minutes. Podolski was dispossessed in midfield, as Silva carried the ball forwards and to the edge of the Arsenal penalty area before feeding Edin Dzeko on the left. His shot cannoned back off the near post, with the ball dropping at Silva’s feet and bouncing into the far corner. Arsenal – thrashed 6-0 at Chelsea to ruin manager Arsene Wenger’s 1,000th match last weekend – needed a response to make sure they were not overrun once again in a showdown with a top-four rival. The ball was in the City net after 21 minutes – but Arsenal midfielder Flamini had already been flagged offside from a deep left-wing cross before he looped his shot over Joe Hart. Yaya Toure, who had a trial at Arsenal as a raw youngster, was booked on 30 minutes for tugging back Rosicky on the break. City skipper Vincent Kompany then also saw a yellow card for body-checking Mikel Arteta. To their credit, Arsenal were still very much in the contest as half-time approached – with Rosicky the next man cautioned for another full-blooded challenge on former Gunners full-back Gael Clichy. Silva soon followed after he left a high boot in on Arteta as the Spaniard hacked a clearance away in the Arsenal box. City almost doubled their lead at the start of the second half when Navas’ low cross from the right was spilled by Wojciech Szczesny, and the ball deflected off Arsenal defender Per Mertesacker but just the wrong side of the post. Santi Cazorla’s drive stung the hands of England keeper Hart before Arsenal levelled on 53 minutes. Patient build-up by the home side was rewarded when the ball was worked out to the left for Podolski, and his low centre into the penalty area was swept into the far corner by Flamini as he arrived on cue 12 yards out. Arsenal suddenly found another gear, with Sagna’s cross from the right flying through the six-yard box. Hart then somehow deflected a fierce angled drive from Podolski behind. City boss Manuel Pellegrini made a change on 65 minutes as James Milner came on for Navas. Following their dominant spell, Arsenal started to come under more pressure, but showed great resilience – a trait so often missing this season. With 13 minutes left, Wenger sent on Alex Oxlade-Chamberlain for Podolski, before City substitute Javi Garcia replaced Nasri. Arsenal continued to push on but City, always dangerous on the counter, were not about to throw away what could just turn out to be a crucial point in their title quest. Following Chelsea’s shock 1-0 defeat at Crystal Palace earlier on Saturday afternoon, Manuel Pellegrini’s men, who still have matches in hand, would have gone ahead on goal difference with victory over the out-of-form Gunners. However, despite taking an early lead through David Silva, it was Arsenal who showed the greater desire as they recovered to turn in a strong second-half display and level through Mathieu Flamini. Press Association Manchester City missed the chance to usurp Chelsea at the top of the Barclays Premier League as Arsenal battled to a 1-1 draw at the Emirates Stadium.