In this week’s edition of the New York Minute, explore upcoming legislative and educational events from the Association! Then, see how credit unions across the state are supporting their communities. Read our weekly blog for the latest industry updates.

Register Today: State Governmental Affairs Conference

Advocacy takes center stage this spring at the 2026 State Governmental Affairs Conference, happening April 27–28 at the Renaissance Albany Hotel. This two-day event brings together credit union professionals from across New York to strengthen relationships with lawmakers, share insights, and champion the credit union mission.

Event Details:
Date: April 27-28, 2026
Location: Renaissance Albany Hotel
Registration deadline: April 22
Hotel deadline: April 2

State-level legislative decisions increasingly shape the operating environment for every credit union in New York—both state and federally chartered institutions. Already In 2026, we are seeing proposals that could further increase costs and complexity for credit unions—and ultimately affect the affordability of financial services for the members we serve. If credit unions are not fully engaged, we risk not having our voice heard during critical policy discussions that will impact our future.

Attendees will engage directly with policymakers and share the impact credit unions have in communities across New York. If advocacy is a priority for your credit union, this conference is an opportunity you won’t want to miss!

Compliance Quarterly: Can You Trust That Trust?

The next Compliance Quarterly webinar will help credit union staff navigate complex questions about trusts with confidence.

Join Mitchell Pollack, the Association’s General Counsel, on March 26 from 11:00 AM–12:00 PM for an informative session titled “Can You Trust That Trust?” In this webinar, Pollack will break down the essential steps credit unions should take when reviewing trust documents and determining whether a member can open a trust account.

Participants will explore key questions such as:

• What authority do trustees have over an account?
• Who is authorized to act on behalf of the trust?
• How should credit unions handle situations with multiple trustees?
• What does fiduciary duty mean for account management?

The Compliance Quarterly series is designed to tackle the most frequently asked compliance questions facing credit unions today while fostering discussion and knowledge-sharing among peers.

Don’t miss this opportunity to strengthen your understanding of trust accounts and compliance best practices.

From TruStage: Don’t Be Fooled. Imposter Scams on the Rise.

Fraudsters are becoming increasingly sophisticated, and imposter scams are one of the fastest-growing threats facing consumers today. In a recent article from TruStage, experts highlight how criminals are using email, phone calls, text messages, social media, and even in-person interactions to trick victims into sending money or revealing sensitive information.

According to the Federal Trade Commission, more than 2.6 million fraud reports were filed in 2024, with victims losing $12.8 billion. Many of these scams rely on impersonation tactics, where fraudsters pose as trusted figures such as family members, government agencies, financial institutions, tech support representatives, or investment professionals.

Common imposter scams include:

• Romance scams that build emotional trust before requesting money
• Government impersonation scams often claim unpaid tolls or legal threats
• Tech support scams that request remote access to computers
• Investment scams promising unrealistic cryptocurrency returns

TruStage also warns that scammers are increasingly using AI and deepfake technology to make these schemes appear more convincing. Credit unions play a critical role in helping members recognize warning signs and report suspicious activity quickly.

Additional resources from TruStage:

• Emerging Risk Spotlight – A 1:1 interview with TruStage risk consultant, Holly Spiczenski, on the latest fraud risks, trends, and threats impacting consumers within the credit union marketplace.
• Employee interactive training module: When Members Become Victims – this short interactive training provides employees with the knowledge and skills to enhance their ability to be the first line of risk management defense when it comes to consumer fraud and scams.
• Don’t Fall Victim risk overview – this resource helps credit union leaders stay ahead of the complex array of ever-changing consumer fraud and scams.

Member education resources: (only TruStage Bond policyholders will have access, login required)

• Fraud & scams consumer risk overview
• Protecting your identity & money

Read TruStage’s full article by clicking below.

Reliant Credit Union Donates to Lyons Community Center Playground Project

Community impact continues to be a priority for Reliant Credit Union, which recently donated $1,250 to support the Lyons Community Center Playground Project in Wayne County.

The contribution was made at the future playground site in Lyons, where Reliant staff joined community partners to celebrate the initiative. The project, led by Finger Lakes Community Action and the Lyons Main Street Program, aims to build a safe, inclusive playground for children of all abilities.

Reliant Credit Union’s community investments continue to reflect the credit union philosophy of people helping people.

The Summit FCU Contributes to Home Beneath Our Feet, Inc.

Thanks to their success at the Buffalo Wine & Chocolate Festival, The Summit Federal Credit Union presented a $3,000 donation to Home Beneath Our Feet, Inc., a nonprofit dedicated to empowering youth on Buffalo’s East Side.

Home Beneath Our Feet provides after-school and summer programs centered around gardening, holistic education, and life-skills development. Through hands-on agriculture and partnerships with local organizations, young participants learn valuable lessons about nutrition, environmental stewardship, and personal growth.

We celebrate The Summit FCU for its community participation, which directly fuels programs that help local youth build confidence, life skills, and stronger futures.

TCT FCU Donates to Randy’s Patient Assistance Fund

In a heartfelt gesture of community support, TCT Federal Credit Union recently donated $1,500 to Randy’s Patient Assistance Fund at the CR Wood Cancer Center at Glens Falls Hospital.

The donation was made in honor and memory of Earl Barber Jr., a well-admired former TCT employee, whose legacy continues to inspire acts of generosity within the credit union community.

Randy’s Patient Assistance Fund helps cancer patients and their families cover unexpected financial challenges associated with treatment, ensuring they can focus on healing rather than worrying about everyday expenses.

By supporting programs like Randy’s Patient Assistance Fund, TCT Federal Credit Union demonstrates its ongoing commitment to uplifting the communities it serves and honoring the individuals who helped shape its mission. Donations like this help ensure patients receive the care, compassion, and financial support they need during difficult times.

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All proceeds from the Silent Auction benefit the New York Credit Union Foundation, helping fund programs that strengthen financial well-being and support credit unions and their communities across the state.

Event Details
Friday, June 12
5:00 – 6:30 p.m.
The Saratoga Hilton Main Lobby/Gallery

Thanks to the generosity of credit unions, exhibitors, and attendees, auction tables are typically filled with exciting items such as:

• Vacation and travel packages
• Sporting event and theater tickets
• Electronics and home technology
• Gift baskets and jewelry
• Sporting equipment and more

To participate, donors can submit the Silent Auction Donor Form and either mail their item to the Association by May 29 or hand-deliver it at the EXCEL registration area by 6:00 p.m. on Thursday, June 11. Cash donations are also welcome if you’d prefer the Association purchase an item on your behalf.

Your contribution helps make this fun, competitive, and charitable event a highlight of the Convention each year!

New York Credit Union Leaders Named to i3 Innovation Program

Among the 24 professionals selected nationwide, four leaders from New York earned a spot in the new cohort:

• Carlos Fonseca, USALLIANCE Financial
• Judd Meche, USALLIANCE Financial
• Seth Ross, Visions Federal Credit Union
• Thomas Was, Municipal Credit Union

Wave 22 will begin its innovation journey at EDGE 2026 in Dallas, TX (May 11-14) and will ultimately present its prototypes and solutions at Filene’s big.bright.minds. conference in December. Join us in congratulating the cohort for being included in this innovative program!

FourLeaf FCU Named One of America’s Greatest Midsize Workplaces by Newsweek

The ranking evaluated employers across 120 key performance indicators, including:

• Working environment
• Culture and belonging
• Compensation and benefits
• Work-life balance
• Career progression and training
• Overall company culture

FourLeaf has built a workplace designed to support its team members through initiatives such as remote work opportunities, employee resource groups, social clubs, and professional development programs.

This recognition highlights the credit union’s commitment to building a workplace where employees can collaborate, grow, and thrive while serving members and communities.

Nicole Tompkins of Mid-Hudson Valley FCU Named to Hudson Valley 40 Under 40

The program highlights emerging leaders who are helping shape the future of the region’s businesses, nonprofits, and communities. Tompkins’ recognition reflects the ongoing contributions of credit union professionals who embody the “people helping people” philosophy while strengthening the communities they serve.

Michael Savino of Municipal CU Named to City & State New York’s Who’s Who in Affordable Housing

• Expanding affordable mortgage and lending tools
• Promoting financial education on homeownership and credit recovery
• Connecting members with critical housing assistance programs

In 2025 alone, Savino’s team helped members secure more than $400,000 in housing grants, with over $650,000 already secured for 2026.

Savino also regularly speaks in the media about mortgage rates, credit rebuilding, and practical homebuying decisions, helping New Yorkers better understand the path to homeownership. As a board member of the MCU Foundation, he also supports grantmaking that strengthens housing stability and community development across New York City.

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This week in our blog, we’re sharing highlights from the 2026 America’s Credit Unions’ Government Affairs Conference. Plus, the Association President & CEO’s recent honor, registration deadlines for the Emerging Credit Union Leaders Conference Series, and more! Get this week’s credit union news in our New York Minute blog.

America’s Credit Unions’ GAC 2026 Events & Highlights

New York’s credit unions showed up in a big way at the 2026 Governmental Affairs Conference (GAC) in Washington, D.C., with a record 160+ attendees representing our state.

The following New York credit unions attended the conference and represented our state powerfully:

New York’s credit unions kicked off the conference on Sunday night with the “Let’s Connect New York” Reception, where credit union leaders and advocates gathered for cocktails, small bites, and meaningful conversation before heading to Capitol Hill. The energy set the tone for a strong week of advocacy.

Monday morning featured a New York CEO Breakfast fireside chat between Association Chief Advocacy Officer Amy Kramer and America’s Credit Unions Senior VP of Advocacy Greg Mesack. The Opening Flag Ceremony followed, with Association President & CEO William J. Mellin and Association Board Chair Eric Hepkins proudly representing New York.

During the Legislative Briefing Luncheon, opening remarks were delivered by Association Chief Operating Officer Chris Pajak, followed by a panel featuring Association Chief Advocacy Officer Amy Kramer, Association Vice President of Legislative & Regulatory Affairs Jeremy Newman, and America’s Credit Unions Head of Legislative Advocacy Brad Thaler.

Tuesday and Wednesday were dedicated to Hill visits, as New York advocates met directly with lawmakers to promote the credit union mission and advocate for pro-credit union policy.

Thank you to the following lawmakers for meeting with our members:

Check out photos from the event:

Association President & CEO William J. Mellin Honored with Farley League Leadership Award

The American Association of Credit Union Leagues (AACUL) has recognized William J. Mellin, Association President & CEO, with the prestigious 2026 Eugene H. Farley League Leadership Award.

This national honor celebrates a league president who demonstrates visionary leadership at the state and national levels, strong organizational and financial performance, commitment to cooperation across the credit union system, and integrity, purpose-driven service.

Mellin, who began his tenure with the Association 32 years ago and has served as President & CEO since 2000, oversees the Association and its affiliated entities, including OwnersChoice Funding, UsNet Shared Branching, and the New York Credit Union Foundation.

Under his leadership, the Association has continued advancing the credit union mission statewide: advocating, educating, and uniting credit unions that collectively serve 7 million members and hold more than $130 billion in assets.

Congratulations to Bill on this well-deserved national recognition!

Act Now: Register for Elevating Credit Union Leaders Conference

Time is running out! The deadline to register for the Elevating Credit Union Leaders Conference Series is Wednesday, March 11.

Virtual sessions take place on March 18, July 14, and December 2, while an in-person session will be at the Crowne Plaza Albany – The Desmond Hotel on October 7.

Designed specifically for credit union professionals and ideal for managers, supervisors, young professionals, and emerging leaders, this series helps participants:

• Evolve from managers to mentors
• Overcome leadership challenges
• Strengthen strategic communication skills
• Develop the mindset of influential leaders

Featured speakers include Mark Arnold, Founder & CEO, and Shawn Temple, Chief Strategy Officer of On the Mark Strategies. This program is your opportunity to expand your impact within your credit union!

Don’t wait! Secure your spot before March 11.

TruStage^® to Issue Stablecoin for Credit Unions

TruStage has announced plans to launch TruStage Stablecoin (TSDA), a fully reserved U.S. dollar stablecoin designed specifically for credit unions. TSDA aims to modernize digital payment infrastructure for credit unions worldwide that work with TruStage.

Developed in collaboration with Block Time Financial, the initiative will:

• Maintain 1:1 cash backing for stability
• Support settlements and disbursements
• Enable faster loan funding
• Improve peer-to-peer and cross-border payments
• Reduce transaction friction and costs

With growing regulatory clarity around stablecoins, this pilot program is launching in the first half of 2026 and represents a significant development for community-based financial institutions.

NY Attorney General Issues Warning for ‘Pig Butchering’ Scams

The Office of the New York Attorney General has issued a consumer alert warning New Yorkers about increasingly sophisticated “pig butchering” scams.

These schemes typically begin on social media, dating apps, or unsolicited texts and move to encrypted platforms like WeChat or WhatsApp. The goal of these scammers is to build trust through fake personal or professional relationships and introduce fraudulent investment opportunities, often in cryptocurrency. Victims are shown fabricated account gains before being asked to deposit substantial sums. Eventually, withdrawals are blocked, and scammers disappear.

Red flags include:

• Requests for secrecy
• Pressure to invest quickly
• Demands to wire money or use Bitcoin ATMs
• Interference when banks question transactions

Attorney General James urges New Yorkers to research investment offers, avoid irreversible payment methods, consult trusted advisors, and report suspected scams. Victims can file a complaint online or call 1-800-771-7755.

Staying vigilant protects both individuals and the communities we serve.

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In this week’s New York Minute, don’t miss your chance to attend one of our two Lending School sessions for 2026! Then, see service expansions, community support, and career developments from credit unions across the state. Get the latest industry news in our weekly blog!

Register Today: Lending School in Albany & Buffalo!

Strengthen your consumer lending expertise at this one-day, strategy-driven Lending School designed for front-line lenders and lending leadership.

This immersive program focuses on:

• Consumer loan interviewing and decisioning
• Risk assessment and responsible underwriting
• Consultative, member-focused sales conversations
• Evaluating collateral and identifying underwriting pitfalls
• FICO education and practical credit-improvement strategies
• Early bankruptcy indicators and higher-risk loan considerations
• Increasing ancillary product sales in a competitive market

Sessions are delivered in concise, high-impact modules built for rapid learning and immediate application back at your credit union. This class is particularly useful for credit union loan officers, MSRs, lending management, and professionals looking to refresh or elevate their lending expertise.

Albany Edition
Tuesday, March 31
Association Headquarters
4 Tower Place (5th Floor), Albany, NY

Buffalo Edition
Cornerstone Community FCU (Main Offices)
6485 South Transit Road
Lockport, NY 14094

Municipal CU Foundation Provides $150,000 Grant to Ronald McDonald House

The MCU Foundation has awarded a $150,000 grant to Ronald McDonald House of the Greater Hudson Valley to support families navigating serious pediatric medical care. Located on the campus of Westchester Medical Center, RMHGHV offers families comfort and stability during extended hospital stays that often last weeks or months.

The funding will provide thousands of freshly prepared meals, support families staying at RMHGHV, and deliver meals to Maria Fareri Children’s Hospital and Blythedale Children’s Hospital.

Established in 2023, the MCU Foundation focuses on building generational wealth and eliminating poverty by increasing access to necessities, education, and homeownership — reinforcing the credit union movement’s deep commitment to community care. We applaud the foundation and credit union for making a positive impact on their community!

Sunmark Credit Union Partners With The RED Bookshelf

The Sunmark Charitable Foundation, the community nonprofit arm of Sunmark Credit Union, partnered with The RED Bookshelf to host a community book drive supporting young readers across the Capital Region.

Together with the community, Sumark collected over 1,000 books. The donated books will stock The RED Bookshelf’s bright red neighborhood shelves, providing free, accessible reading materials to children and families.

Sunmark employees also volunteered to sort and prep books for distribution. We commend the credit union’s hands-on commitment to strengthening literacy, fueling imagination, and supporting the communities it serves!

Sidney Federal Credit Union Launches Mobile Branch

Sidney Federal Credit Union is expanding access to financial services with the launch of its new SFCU Mobile Branch, which began rolling out earlier this month.

This full-service banking unit brings essential services directly into neighborhoods across Central New York, helping remove barriers for individuals and families who may not have convenient branch access.

The Mobile Branch provides:

• Everyday banking services
• Member support and financial guidance
• Community outreach and engagement

This new initiative strengthens local connections while ensuring members can access the financial tools they need wherever they are. Check out the Mobile Branch schedule and locations below to see where it’s headed next!

Ada Myteberi of Visions Federal Credit Union Earns CUDE Certification

Ada Myteberi, AVP/Regional Member Services Officer at Visions Federal Credit Union, has earned her Credit Union Development Educator (CUDE) designation through the National Credit Union Foundation. Ada joins a global network of more than 3,300 DE graduates from 35 countries.

The immersive, week-long DE program explores cooperative principles, the credit union mission, and strategies to advance financial well-being. The February 2026 cohort convened at Suncoast Credit Union in Tampa, Florida, and included volunteer service at Feeding Tampa Bay.

With over 20 years of financial services experience and oversight of 13 branches, Ada’s CUDE certification reinforces her commitment to financial inclusion, community development, and the credit union difference

Please join us in congratulating Ada for completing this achievement!

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This week in our blog, we’re covering donations from local credit unions and one leader who was recently honored. Plus, update your Project Zip Code information to ensure your membership data is accurate. Get these updates and more every week in the New York Minute.

Credit Unions: Update Your Project Zip Code Information

With advocacy efforts underway at both the state and federal levels–and many advocates preparing for America’s Credit Unions’ 2026 Governmental Affairs Conference–now is the ideal time to confirm your Project Zip Code (PZC) data is accurate and up to date.

Project Zip Code is a secure, user-friendly tool that matches your membership data to:

• Congressional districts
• State legislative districts
• Counties

This aggregated data strengthens advocacy by demonstrating the collective impact of credit unions nationwide. Importantly, no individual member information is shared outside your organization.

Beyond advocacy, PZC offers operational value. Credit unions can analyze geographic member distribution to inform decisions about branch placement, ATM strategy, and shared branching opportunities.

Keeping your data current ensures your voice is accurately represented when it matters most. If you require assistance, please contact the Association’s Member Relations team at member.relations@nycua.org. Click below and update your info today!

SeaComm FCU Donates to Massena Fire Department for New Vehicle

SeaComm Federal Credit Union has donated the full amount needed for the Massena Volunteer Fire Department to purchase a new UTV and trailer, which significantly strengthens emergency response capabilities in the region.

The all-terrain vehicle will allow firefighters to respond more effectively in remote and wooded terrain, waterfront properties along the river, and areas inaccessible to traditional fire trucks. The investment reflects SeaComm’s ongoing mission to support and protect the communities it serves.

Western New York FCU Makes Donation to WNY Heroes

Western New York Federal Credit Union has donated $5,000 to WNY Heroes’ Pawsitive for Heroes Program, which trains and provides service dogs to veterans.

The contribution was made possible through a community enrichment grant from the credit union’s Visa program and supports service dog training and placement, veterinary care, and ongoing food costs for the animals.

This isn’t the only way Western New York FCU is supporting vets! The credit union offers a 0.25% reduction on consumer loans for veterans every day.

Trish Shermot of Visions FCU Honored with ATHENA Award

Trish Shermot, Director of Government Affairs/Regional Urban Development at Visions Federal Credit Union, has been named the 2026 ATHENA Leadership Award recipient by Berks Women2Women.

The ATHENA Award honors women who demonstrate professional excellence, community leadership, and a commitment to empowering other women. Shermot’s career has earned national recognition, including multiple CUNA Dora Maxwell and Louise Herring Awards for social responsibility and ethical leadership.

She serves on numerous boards and committees, championing financial inclusion, workforce development, and civic engagement. Trish will be celebrated at the ATHENA and EmpowHER Awards on March 4 at the Women2Women Conference & Expo.

Please join us in congratulating Trish for this honor!

From Origence- Loan Origination Technology: Accelerating Your Credit Union’s Growth

Credit union lending is changing as fintech competition, rising member expectations, and the demand for digital solutions reshape the industry. Loan origination systems (LOS) have moved beyond the back office and are now essential tools for driving growth, improving efficiency, and delivering the experience members expect. To thrive in today’s financial landscape, credit unions need advanced lending technology that keeps them competitive and future-ready.

Member expectations are redefining lending

Credit union members expect instant decisions, seamless digital experiences, and responsive communication through their preferred channels. They want flexibility and increasingly judge service quality based on speed and convenience. Meeting these expectations becomes challenging when staff are consumed by manual tasks or working with outdated systems. According to Astute Analytica, the global LOS market could reach nearly $10 billion within the next five years, reflecting institutions’ increasing acceptance that advanced lending technology is no longer optional.

Turning a LOS into your competitive advantage

While basic loan origination systems handle essential workflow management, document processing, and reporting, modern solutions deliver transformational capabilities that drive strategic advantage.

• Intelligent decisioning engines: Modern, AI-powered engines analyze broad datasets for faster, more accurate risk assessments. These systems can more effectively segment applicants who normally fall into “the review zone” and those with limited credit history, expanding lending opportunities to underserved populations without increasing risk.
• Configurable workflows: The distinction between configuration and customization represents a critical decision point. While customization provides ultimate flexibility, it typically requires technical expertise and involves complex coding by in-house experts. Configurable systems allow credit unions to tailor workflows through intuitive interfaces without developer involvement. The ideal solution balances easy configuration for most needs while providing low-code options and APIs for deeper customization when necessary.
• Process automation: Intelligent automation transforms lending operations by streamlining document processing, accelerating funding, and reducing manual tasks. Modern systems leverage AI to classify, analyze, and extract data from documents, reducing processing time while improving accuracy. By automating routine tasks, staff can redirect their attention to higher-value activities like building member relationships and handling complex lending scenarios that require human judgment.
• Communication integration: Modern LOS platforms integrate communication tools that support automated status updates, secure document collection, two-way messaging, live chat, and an online portal. These real-time communication tools reduce application abandonment, accelerate funding, and create a seamless experience that builds member trust and satisfaction—particularly through SMS, which, according to Twilio, can deliver open rates roughly five times higher than email, with 90% of text messages read within three minutes.

Strategic implementation checklist

Before selecting a loan origination system, credit unions should begin with an internal self-assessment to identify the processes, constraints, and technical limitations that may inhibit growth or hinder progress toward strategic goals. Credit union service organizations (CUSOs) often deliver technological solutions and strategic guidance, aligning with credit union values and priorities. The right LOS should address current gaps while enabling future flexibility.

Use the checklist below to guide evaluation and implementation decisions:
Does the solution support your credit union’s unique growth strategy and member service vision?
Can the system connect seamlessly with core banking systems and third-party services through standardized APIs?
Does the solution create a cohesive, branded experience across channels that reduces friction and supports self-service?
Does the system incorporate layered fraud protection measures that evolve with emerging threats?
Will the provider deliver implementation expertise and ongoing optimization assistance?

Technology that powers member connections

As lending technology advances, credit unions that adopt modern loan origination systems set the stage for long-term growth. These solutions combine efficiency with personalized service, delivering the speed and convenience members expect while preserving the relationship-driven approach that defines credit unions.

Successful implementations view loan origination technology not just as a processing tool, but as a catalyst for growth—strengthening member connections and market position. With the right approach, credit unions can deliver faster, more efficient lending while keeping relationships at the center. Origence arc OS is built to help you achieve that balance, combining advanced automation with a member-first experience. Contact us today to learn more about how Origence can help transform your lending strategy.

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