www.marktreichel.com

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NCUA exam reports often contain more than meets the eye.

Examiner findings, supplementary facts, and documents of resolution may look like routine supervisory language — but each serves a distinct purpose and sends a different signal to credit union boards and management.

In this episode of With Flying Colors, Mark Treichel is joined by former NCUA senior leaders Steve Farr and Todd Miller to break down how exam reports are structured, how issues escalate, and what credit unions should be paying attention to long before enforcement actions appear.

Drawing on decades of NCUA experience, the discussion explains how examiners decide where issues belong in the report, why volume matters as much as severity, and how governance and communication failures often sit at the root of repeat findings.

This is an evergreen episode for any credit union executive, board member, or compliance professional who wants to better understand what NCUA is really saying — and how to respond effectively.

In This Episode, We Discuss:

• The practical differences between examiner findings, supplementary facts, and documents of resolution
• Why a long list of “minor” findings can be a major warning sign
• How supplementary facts are used to signal emerging risk and specialist concerns
• What elevates an issue into a document of resolution
• The SMART framework examiners are expected to use — and where it breaks down
• How unresolved issues contribute to CAMEL rating pressure
• Why corporate governance increasingly appears in exam reports
• The role communication plays in preventing escalation
• What boards should ask before approving a document of resolution

Who Should Listen:

• Credit union board members
• CEOs and executive leadership teams
• Compliance, risk, and governance professionals
• Credit unions preparing for an upcoming NCUA exam
• Institutions experiencing repeat findings or growing examiner scrutiny

Key Takeaway:

NCUA exam reports are not just compliance documents — they are communication tools. Understanding how examiners signal concern helps credit unions prioritize issues, respond proportionately, and avoid unnecessary escalation.

About the Host:

Mark Treichel is a former senior NCUA executive and the founder of Credit Union Exam Solutions. With more than three decades of regulatory experience, Mark helps credit unions understand NCUA expectations and navigate examinations with confidence.

This is a classic episode of With Flying Colors—and a rare one that steps slightly outside the credit union lane for a reason.

As teamwork becomes an increasingly critical theme heading into 2026, this conversation felt worth revisiting.

In this episode, Mark sits down with Joe Jacoby, an Olympic gold medalist and performance coach, to explore what high-performing teams really look like when conditions are uncertain and pressure is high.

While the setting is the Olympic Games, the lessons translate directly to leadership teams, boards, and organizations navigating complexity, change, and accountability.

This conversation isn’t about motivation—it’s about execution:

• How trust is built before it’s needed
• Why great teams communicate without noise
• How different strengths actually work together under stress
• And why teamwork isn’t soft—it’s strategic

If you lead, serve on a board, or work as part of a management team, the insights here are as relevant today as when this episode first aired.

In this episode, we discuss:

• What Olympic-level teamwork looks like in real time
• Why preparation matters more than celebration
• How unspoken communication develops inside high-trust teams
• The role of diversity of thought in performance
• Lessons leaders can apply long after the competition ends

www.marktreichel.com

https://www.linkedin.com/in/mark-treichel/

In this quarterly roundtable episode of With Flying Colors, Mark Treichel is joined by former NCUA executives Dennis Bauer, Steve Farrar, and Todd Miller to break down the NCUA Q3 2025 Quarterly Credit Union Data Summary.

The discussion highlights a key theme: the credit union system is gradually returning to a more normal operating environment after years of rate shocks, pandemic liquidity, and balance-sheet distortion.

Key topics include improving net interest margins, rising non-interest expenses, and why ROA gains lag margin recovery. The panel examines growing pressure in auto and credit card portfolios, increased repossessions, and what delinquency trends suggest heading into 2026. They also explore liquidity stabilization, shifts in share mix, and renewed investment risk-taking as some credit unions bet on future rate cuts.

Additional insights include CAMEL rating trends, HELOC utilization growth, differences between credit union and community bank performance, and what examiner behavior may look like amid NCUA staffing constraints.

This episode is designed for credit union executives, board members, and risk leaders looking for plain-English interpretation of regulatory data—without spin or hype.