SAN DIEGO-Credit Union Journal asked attendees of CUNA's recent America's Credit Union Conference what major initiatives their CUs would be launching in the second half of 2012.

Patrick Josephson, President and CEO
Horizon Community CU
Green Bay, Wis.
We are looking at having new core processing software installed in the next three months. We are looking at several different options and expect to make a decision soon. We need something that works better for the membership. Everything we do today is manual, which is not good enough. We want to be able to better identify members' needs, and we want the ability to cross-sell.

Maria Martinez, President and CEO
Border FCU
Del Rio, Texas
We are really looking at mobile banking. We have not done mobile banking yet, but we are seeing more younger people walking into our branches after expanding our field of membership in October. They are the ones who are looking for mobile banking. They want to receive notices when their balances are low and they want to be able to transfer money.

We also are looking at adding more ATMs and branches. We will be considering different sites in the next few months. We might add a mobile unit to visit counties that are in our new field of membership but are not served by any bank or credit union.

Scott Johnson, President and CEO
Provo Postal CU
Provo, Utah
We are a low-income designated credit union and we just launched a payday lending program. Payday loans are really big in Utah, and we put a program together that is a better alternative. Ours is better because it is less expensive and we require people to take online education courses. This means breaking the chain of bad habits and at much less cost. We launched the program two months ago, so our next step is we are looking to expand the marketing.

Rudi Domingos, President and CEO
Cambridge Portuguese CU
Somerville, Mass.
On the technology side we are in the process of introducing a new mortgage initiation system. We are changing a lot of our systems to become more efficient in everything we do.

We just remodeled our branches to introduce TV sets as internal marketing devices. We are using the TVs to replace branch posters. On the TVs we display our current rates, and we also use them to market our products and services.

William Lavage, President and CEO
Service 1st FCU
Danville, Penn.
We have been looking at upgrading our mobile banking. We have mobile banking but it needs to be easier to use.

We already have launched several initiatives to improve lending, including home equity, mortgages and indirect auto loans. We have done direct mail pieces, website ads, billboards and others. Home equity lending is a big one for us right now.

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