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Treichel: Hey everyone, this
is Mark Treichel with another

episode of With Flying Colors.

I've got two guests here today
that I'm excited to chat with.

I have Keith Stone, who is the CEO
of the Finest Federal Credit Union

and also the CEO of the New Jersey
PBA Federal Credit Union, which opens

its doors officially next month.

And I'm excited to have Keith here.

I also have Rick Mumm.

Who I worked with at N.

C.

U.

A.

for 34, 35 years, and Rick also
does some consulting on his own with

credit unions, and he also works with
me and my team on some occasions.

Guys, how you doing today?

Rick Mumm: Doing great, Mark.

Thank you.

Good to be here.

Keith Stone: I'm doing great.

Thank you so much, Mark.

It's great to be here
with both you and Rick.

Treichel: Yeah, I'm excited.

I'm excited to chat today.

And I have you here both together
because you work together on one

of those credit unions I mentioned,
which was the New Jersey PBA.

But before we dive into that, Keith,
if you could maybe give a little bit

of your expand upon your background,
other than what I just provided there.

Well,

Keith Stone: thank you so much.

Actually, if I could just backtrack
a little bit, Rick, actually,

we work together on to both
credit unions that you mentioned.

And it's a great story.

Very briefly long story short,
my credit union, experience

started when I was attending high
school in Brooklyn, New York.

We had a small credit union in our
cooperative apartment building.

It was like the movie.

It's a wonderful life.

It was very small in house system open
Wednesday night in the back office in

the building And I learned what it was
to help people be part of something

that cooperative spirit So that really
got my credit union flames going fast

forward i've worked for smith barney
bass stearns merrill lynch in different

capacities for larger companies I had
the I had the opportunity to be part of

working with Consumers Federal Credit
Union in Brooklyn, New York, when I was

younger and then moved on full time.

I was on their Board of Directors
for about 12 years, was their

VP for about eight years.

2014 into 2015, we had the opportunity,
myself with a group of law enforcement

personnel, to charter the finest federal
credit union, the Credit Union in New York

City, for the law enforcement community
of New York City and New York State.

Fast forward again, we built up the
finest from, within 9 years to over

9, 000 members, 30 million in assets.

Fast forward a year and a half ago,
I was approached by a group of law

enforcement personnel in New Jersey.

They were trying to charter a new credit
union, and I had the opportunity to

work with them and help charter the
New Jersey State PBA Federal Credit

Union, which is opening its doors
next month, which is really exciting.

Fast And Mr.

Rick Mumm was a very big part of both
credit unions when he was with the NCUA

helping us chart the finest and now
helping us chart the New Jersey State PBA.

As an independent credit union.

You as well.

I have to mention you mark as
well in my credit union career and

especially with the finest as far
as the great help that you gave us.

And we had some concerns early
on and you were there for us and

you advised us early on and you
were a great part of our success.

So I thank you for that.

Treichel: I appreciate those kind words.

And Rick why don't you give a
little bit of your background here

before we, we jump into what's
going on at these credit unions.

Rick Mumm: Like you said, Mark we
started, I think, on the same day

didn't really meet until we went
to our 1st training class in D.

C.

and I can remember them telling us that
it would have been a very mild winter.

We should really enjoy it.

And 2 days later, it was the biggest
snowstorm they'd had in 30, 40

years, whatever it was, and we
couldn't even get him to the office.

Treichel: That's right.

I remember that.

That was a two week, one of the classes
that was two weeks and that weekend

was the Super Bowl when Buffalo Bills
fans, you might want to cover your ears.

That was That was the infamous Wide
Right call when the Bills lost one of

their, one of their fourth Super Bowls.

Yeah,

Rick Mumm: the hotel had
cockroaches and everything.

It was a great experience
in getting to know MCA.

Treichel: Yes indeed.

Go ahead.

Rick Mumm: But so from there was an
examiner for several years, went into

the office, eventually went into the
division of insurance and working with

credit unions, feel the membership
and did that for over 26 years.

The, I think as part of that is.

Feel the membership has come a
long, long way from when we started.

When I 1st went into insurance, a
community charter, a large 1 and you

had to go to the board for approval.

There was no Internet, no, nothing.

So times have really
changed as far as that goes.

Treichel: That's a fact.

But all that corporate knowledge that
you have there plays a role in you being

able to help credit unions now and you
were able to, as Keith mentioned you

work While you were at NCUA, you had
a role in The Finest getting charged.

By the way, Keith, The Finest
Federal Credit Union is my favorite

named credit union in the country.

Every time I, see your post on LinkedIn
with the mission that you have.

And as you and I have discussed
in the past, I've got family

members in the profession.

And so I have a soft spot in the heart
for for the frontline the thin blue

line and I always enjoy seeing your
post on LinkedIn with the new graduates.

Probably my favorite post on
LinkedIn are you talking to the

new recruits and helping them get
started and everything like that.

But a little bit of a divergence
there, but best name credit

union ever in my humble opinion.

All right.

So let's chat a little bit about
the, so you got approached about

the New Jersey police officers.

You're now, once the doors open soon,
you'll be the CEO of both these credit

unions, but talk a little bit about
that credit union what it's striving to

achieve how this all came together and
then we can maybe pivot into how you and

Rick worked together to get this done.

And what I understand was record time.

So

Keith Stone: yeah, thank you
for mentioning that, Mark.

And also, thank you for acknowledging
the finest we're proud of our name.

As far as New Jersey State PBA
goes the membership the field of

membership will be for the New Jersey
State police benevolent association.

So there's approximately 60,000
individuals who are part of the New

Jersey State, PBA who are eligible
to join their family members will

then, will be eligible to join.

So the credit union was charted
to benefit the PBA members.

So the PBA itself provides a
lot of great financial wellness.

All kinds of different economic
wellness, all kinds of health benefits.

So it's just the law
enforcement community.

I'm a civilian.

I was never an officer.

I was never part of officially the law
enforcement world, but especially for

the past 13 years, I believe blue the law
enforcement community deserves better.

There's always a better chance when a law
enforcement personnel leaves for work.

That they're not coming home to
their family, just a better chance

than any other occupation, because
of that, they deserve better for

what they do for our communities.

They deserve better.

So deserve better means the
credit union philosophy.

So higher rates on savings, lower
rates on loans, lower or no fees.

In addition, the service.

So the typical institution getting back
to you during regular banking hours.

We have to do better.

Our members deserve better.

So that's going to be part of the
business model as well, especially

since a lot of our field of membership.

They don't work your standard hours.

They work around the clock.

They need someone to get back
to them before 9 o'clock in the

morning after 5 o'clock at night.

So we are striving to provide the
best services for our membership

because they deserve it.

Otherwise, we're going to be
like everyone else and we're not

going to be accepting mediocrity.

We have to be better.

If I could jump into, so I was approached.

A year and a half, almost two years ago by
officials with the New Jersey State PBA.

They were trying to get
this credit union charted.

They were having some difficulties.

We picked up the reins.

We had a good team.

My team specifically included Mr.

Rick Mum on the call with us today.

Rick's and your I should say your
experience Rick's experience is invaluable

as far as working with the into a,
working within the timeframes working

within the philosophies that's expected.

So we have a new chartering
process as of about 2 years ago.

I think the new charter
process went into effect.

Something like that.

Three phases.

Rick I can't begin to tell you how how
great he was as far as working together

with myself, as far as, Putting together
the backbone of what needed to get done.

Primarily the business plan.

It is not easy chartering a new credit
union, a new institution of the N.

C.

U.

A.

still is pretty stringent than they need
to be as far as, putting the final stamp

of approval on a credit union and from
just from the conversations we had from

the work put into it from the numbers
from the performers from The business

plan, the direction of just getting
this thing done in a timely manner.

I couldn't recommend anyone better
than Rick, as far as, getting the help

needed in chartering a credit union.

Treichel: Very good.

Very good.

And Rick, so Rick speak a little
bit to what Keith just said there.

And what I often say is NCUA
has rules and regulations.

That, you look at the words in, in
someone who wants to charter a credit

union, like in this example, we'll
look at those words and in the English

language, they mean a particular thing.

And Rick, you and I know that in
the NCOA language, they mean what

it means in the English language,
but they all, there's also this.

This body of work of what those
words actually mean to the regulator.

And so putting together the
field membership package, putting

together the support for how it can
survive putting together all those

different pieces along that journey.

I believe you, you provide some context.

To your clients and did in this
instance, but could you go into a

little bit the process of New Jersey
state policemen's credit union and how

it got how, because of the work that
Keith had done maybe on the finest,

and then was able to capitalize into
having that as background, and then your

background were able to get this moving,
in record time, once it was submitted.

Rick Mumm: Yeah 1st, thank you.

Keith.

I appreciate all those very kind words.

I'll put a check in the mail for that.

Thank you.

Keith Stone: We're all true.

They're all true.

Rick Mumm: Thanks.

I really appreciate that.

Yes, you're absolutely right.

Mark what.

Working with Keith and on the New Jersey
in a lot of ways was very eye opening

because I'd always, I charter, half
a dozen or so credit unions with the

finest being 1 of them while I was at
and, you always see it from side of

the table and there's a lot of work.

There's a lot to do.

But then when you sit on the other side of
the table, it's oh, my God, they're asking

for the same thing, 3, 4 different ways.

And it's amazed anyone gets chartered.

Sometimes the way they
ask the questions, but.

But Keith approached me.

They had their application and they were
ready to turn it into NCA because I think

they, I think Keith's first words to me
was we were going to submit it Friday,

and this was the first of the week.

We'd just like you to take one little
last look at it before we submit it and

make sure we didn't miss anything and.

I took a look at it and it wasn't
even close, and I'm not sure

who would they who had done it.

And I don't know that it matters, but
they didn't really address everything.

And I told Keith.

This isn't close and needs work and, I had
he said, we'd work together at the finest.

I was familiar with them
and that really helps.

And what was really great about
Keith is he knows credit unions.

He's been in credit unions and
he'd gone through the process too.

1 of the things with chartering
a new credit union is.

A lot of the people chartering 1,
they're very smart, very intelligent.

They know what they're doing,
but like you said, there's

English and there's NC way speak.

There's chartering manual speak
and when you're trying to help

somebody that doesn't understand
that, it does slow the process down.

It's just that's just human nature.

But with Keith, part of the reason.

We could go as fast as we did is he
speaks the language he understood it.

If I said I needed this, he
knew what I was talking about.

You didn't have to go through any kind
of learning to explain it or whatever.

It was like, yeah, I know
what you're talking about.

I'll get it to you.

After I.

Told him about the application,
he said, okay, I'll give it a shot

and he, he did and here's was much,
much better, much, much better.

But it was still needed work and,
which is not anything against Keith.

It's just again, you've got.

The chartering manual speak and needs
what it needs in the way it wants and

unless, that and understand it, it's.

I've never had any credit union.

Whether it's a new charter, a community
charter, whatever it was, give us

given see way what it needed per the
chartering manual to get it done without

going back to him or supplementing it.

So that was that's very.

Common, I've never seen anybody give
it to us or give it to while I was

there in the manner, which they needed.

I told Keith, it was much better.

It's still needed a little.

And then he, at that point, he just
asked me to do it and so I sure.

But the work with Keith very close getting
supplementing the information he already

had at this point, we got to talk about
the group to the New Jersey benevolence.

They were fantastic.

I didn't have any direct
interaction with them, but.

I contact Keith and say, hey,
I need this from the group and.

Keith would talk to the group
and they'd have it back in a

few days or very quickly too.

So I think to be very successful
and to do it as fast as we were able

to do it is, everybody has to be on
the same page and working together.

And I think in this.

everybody was, the group is fantastic.

Very helpful.

Working with Keith is just, was amazing.

I've worked with him on the finest,
but he came in toward the end.

He wasn't there the whole time.

We work together enough
so that I knew who he was.

He knew who I was.

We knew, that we didn't work closely.

At the New Jersey, we did work very close.

And I think it worked out very well.

We got what we needed when we needed
it and got a very successful outcome.

Treichel: Yeah, very much so and
Keith, I'm going to let you comment

1 2nd, but 1 thing that comes to
mind with Rick is talking about that.

Is the concept of form
and substance, right?

I remember when I was delivering
something, whether it was to the

NCA board or elsewhere, there's the
substance of what needs to be said,

and then it needs to be said in a way
that makes it easy for the reviewer,

whether that's the NCA board or whether
that's cure looking at a package.

Because oftentimes you could,
you can look at the chartering

manual or you can look at.

At, something that I'm delivering
to the NCWA board and you can say,

okay, I put this sentence in here,
which addresses that, but sometimes.

It's whether it's whipping a dead
horse or putting it in a chart where

it says, the chart says you need to
have these five things boom, boom, and

then the right you go, this is on page
12, and this is on page 15, and this

is on page 18, making it easier for
the reviewer to see that everything is

there is one of the is one of the arts
of working within the walls of NCA.

And I think that Probably played a role
in Rick massaging it into a form that

would look familiar to those within
NCUA because the facts can be there.

But if you make it hard for them to
find making it easy, which is the form

of the form and substance for them to
find it sometimes saves a ton of time.

Rick Mumm: You're absolutely right mark.

You hit the nail right on the
head because there's a lot of

times you can get a package and.

Everything's there, it, they did address
it, but there's no logical order to it.

It's here, they're everywhere
and you're hunting and packing

and, you just overlook it.

Treichel: Right.

Yeah, you can read it 2 times
and miss that 1 sentence.

But Keith, what are your
thoughts on on this kind of

discussion as far as how that was

Keith Stone: so touching on this.

I didn't mention prior and you both.

I couldn't agree more as far as
speaking the language as far as

having someone to help interpret.

What, what's needed, what's required?

March, 2017, I had the opportunity to
testify at the subcommittee on financial

institutions and consumer credit
before Congress on behalf of Nafq.

So that was going way back.

Wow.

March of 17.

Anyway, it was the subject
was ending the de novo drought

and examining the application
process for de Novo institutions.

And I was one of the there were a couple
of banks there, but there weren't any

recently chartered banks and I received
the call because Lutheran Federal Credit

Union was the charted recently before us.

But there, there was some bad
weather inclement weather.

Their CEO was unable to make.

I'm able to make it and I received a call.

Do I want to participate?

And I definitely did.

And I took that opportunity, but
we were talking about the current

at that time, 2017 and prior the N.

C.

U.

A.

chartering process,
which was, it could have.

It was perceived as a bit cumbersome.

It wasn't exactly streamlined
to where it is today.

I think it's a lot better today.

And we went through those points in my.

In my as far in my hearing my testimony.

Today, fast forward, I think the process
is a lot clearer, but even with that, so

even having the three phases that we have
now, you need really, it takes someone

with the ear, with the knowledge to be
able to decipher exactly what the, in this

case, the NCUA is looking for to break it
down, someone who speaks the language, and

sometimes as individuals, we make things
more complicated than they need to be.

If you just simplify exactly what's
being asked for, put it in the

order that it's being asked for.

It makes so much sense.

And that's what Rick touched upon.

And you touched upon.

Rick was really able just to put it,
make it really simple, but exactly

what was needed to fine tune the items
that the NCA is looking for in order

to charter a new federal credit union.

And at the end, it all makes so much
sense when you're looking at the package.

But someone, especially if you don't
have the experience and you're looking

at all of these items needed beforehand,
it could definitely seem overwhelming,

Treichel: Which plays into
maybe part of the reason there's

not a lot of new charters.

So hopefully.

If there's a group out there that stumbles
across this podcast at the end, I'll

give some contact information so they
can reach out to both of you to learn

from what you learned in this process.

One of the, we talked about the three
different phases, but when I put my old.

regional director hat on the, when a
credit union is what was going to come

new into the region, you're wanting to
make sure, like other credit unions that

it operates in a safe and sound manner.

And one of the ways that you can operate
in a safe and sound manner is obviously

having a good team ready to run the
institution, but the concept of having

some reserves in place and some donations
in place so that you're not starting with

zero capital Keith, can you speak to the
importance of that, the process of that,

the support you maybe have, maybe had?

At both either or both of the credit
unions, and then maybe we can get you

Keith Stone: can't start.

As you mentioned, it's not easy to
start a new federal credit union.

So you need a proof of concept
and you need the capital to

start it without those 2.

it's just not going to happen.

The proof of concept you touched upon.

You need a certain group of people, the
subscribers of the credit union to be

need to have an affinity towards a group.

So they need to have a reason why
they want to start this credit union.

They want to work together a certain
group of people, organizations,

or someone needs certain financial
services that they're not receiving now.

And then you have to justify that
proof of concept to the NCOA.

Secondly, and probably more
importantly and harder to get is

where's the money coming from?

It's not an investment.

It's not a loan.

And it's basically money that certain
entities or it could be any entity needs

to put together in order to have in
order to start this mission to help this

group of people, as far as the finest
goes, there was an insurance company

we were working with that was able to
help support the cause in the beginning.

And that And it's never enough.

So as far as within the finest, if
we had two and a half million dollars

to start, it's very difficult because
as any new organization is in the

beginning years, in the beginning
months, you just have losses.

So it takes a while to build up
the income and all the same at the

same time, as you said, you need to
provide the safety and soundness.

You need to have the
right processes in place.

You need to follow all of the interagency
guidelines, all the NCOA guidelines.

And that all costs money.

So where does the money come from?

It comes from your initial capital.

At the same time, you have to
pay people, competent people.

If you're going to have a viable
credit union, you need the

people in place to run this.

And that costs money and benefits.

And it's really difficult to do.

As far as New Jersey State PBA goes.

We had within the PBA, there
was an organization that was

helped to help support the cause.

They had monies available to help
promote and benefit their field

of membership, the PBA members.

Without that it's
virtually impossible to do.

So if you don't have the right
people in place, now we do have

within the New Jersey state credit
union, we have a credit union service

organization agreement with the finest
to provide some of the back office.

So we use economies of scale.

So if we, at New Jersey State PBA Federal
Credit, you need to get another compliance

officer, an operations VP, a loan officer,
or this or that, it costs a lot of

money and it's a drain to your starting.

And that's why as well, there's
not many new institutions because

it's very difficult to do.

If more organizations can team up and
provide these shared services for each

other and have these agreements in place.

It works, it works for us as well.

We're on the same core processing system.

See you answers our two law
enforcement credit unions.

So we're going to be able to share
some of the duties, share some of

the jobs in order to mitigate the
expenses that goes into all of those

payrolls, human resources, benefits.

All of that.

Treichel: Fantastic.

That's a great.

That's a great summary.

A great primer for someone out there
again, who's listening, saying,

Hey, how do I get from A to Z?

That capital is a big part
of that that equation.

Rick, any, anything you want to add there?

Rick Mumm: Yeah, everything he said I
agree with 100 percent you definitely

have to have a group that really believes
in the credit union and wants it.

And the other big stumbling block, just
like he said, is the money is what.

I think

people don't necessarily understand is the
insurance fund is an insurance company.

They are on the hook for any losses.

Any insurance company, they
underwrite the risk and that risk.

Underwriting is the money
from the group is they have

to put their skin in the game.

So to speak, any up some of the.

The risks before it hits the insurance
fund, and that is 1 of the big

stumbling blocks to more credit unions
getting chartered is they just don't

have the funds or can't raise the
funds, to put their skin in the game.

So to speak, because, yeah, the
insurance fund is the federal government.

But it, it is an insurance fund and
it is job is done to ride risk and

not to take losses just any other
big insurance company advertised

on TV at any given point in time.

And that's the huge summing
block is the money to put up to

cover their share of the risk.

And the other part is having a good
group and a reason for chartering and.

A PBA had all of that.

They had the group, they had the
money so it all worked out well.

Treichel: Yeah, that's great.

That's great.

It reminds me of an old joke,
Steve Martin used to say.

He says, how do he had advice
on how to become a millionaire?

First you get a million dollars . Yeah.

So how do you become a credit union?

First, you get somebody to
commit some capital so that

you can fulfill your vision.

Rick Mumm: I, it's
funny you say that joke.

I heard it a little differently is
How do you become a millionaire?

You get 2, 000, 000 dollars and invest in
a business and pick any big city you want.

And when you're all said and
done, you have a 1, 000, 000

Treichel: left.

Very good.

Very good.

And Keith, you mentioned something,
the shared service concept, the fact

that you can leverage on what you
have, that's something, there's pockets

of that around the country, but.

You're able to leverage those economies of
scale, which I think with the similarities

of the field membership, I think,
that it's a nice natural fit for that.

That's a point that, that if someone's
looking to charter, finding someone that

they can have a relationship with, whether
it's a mentor or where it's official,

where you have the contracts is a great.

A great way to approach it.

So Keith any other things going on in your
world that you know, other than the, these

2 institutions that you want to chat about

Keith Stone: in my spare time I've been
helping a 3rd credit union, the urban

empowerment, federal credit union.

They used to be the N.

U.

L.

National Urban League.

Small credit union that was charted in
the 70s really hasn't done a lot as far

as building up their field of membership,
increasing their field of membership,

building up their services really
plain vanilla grassroots credit union.

That is converting on to see you answers.

I was asked if I could help out as
far as converting them on to see you

answers, working with them to creating
different products and services, possibly

helping them increase their field of
membership, increasing their footprint.

I love the credit union world.

I, it's from soup to nuts.

It's what I do.

I always tell everyone I have four
children, my wife, I love them to death.

And right after that
is, is the credit union.

I, we get to help so many different
people and so many people need the

help, especially in today's economy.

It's worth stressing.

We have different law enforcement
personnel that make very good

stable salaries, W2 salaries,
and they can't pay their rent.

They can't pay their car payment.

They're getting they
can't pay their mortgage.

And, expenses are going through the roof.

They have nowhere to reach.

They're getting held up
by predatory lenders.

At 30 40 50 percent the credit
union charges a very reasonable

rate for our interest rate.

We help everyone right now at the finest.

We don't turn anyone down.

We don't deny any loans.

We might offer them a little
less, but we offer them.

We help them as quick as possible.

As much as possible new recruits.

So we have new recruits
starting off in the M.

I.

P.

D.

As early as July 5th, I stood
before 650 new recruits at the M.

I.

P.

D.

Academy were able to offer
them up to 5, 000 for a small

unsecured loan for their equipment.

And I tell them they could, three
reasons why they take out a loan to

help that to pay for their equipment.

Because in New York City the
New York City does not help them

pay for all of their equipment.

They have about 2, 200 that they
have to come up with on their own.

So you need to pay for your equipment.

You need to pay off high interest
rate credit card debt, or you

need to build up your credit.

If you don't have Good credit
or if you have limited credit.

Otherwise, I stress do
not take out a loan.

Additional debt is not good.

These loans started 4.

75 percent that we offer
these new recruits.

So we certainly are doing
the right thing for them.

We process them as quickly as possible.

So we could take in 200 loan
applications within four business days.

These recruits have the funds in
their primary account sometimes,

which is not the finest, but that's
the quickest way to get them the

funds so they could pay for their
equipment or anything else they need.

We're all in.

So I give out my cell phone number to
these recruits and let them, they call

me, they text me, we get back to them.

And then, the same philosophy
is going over into New Jersey

State PBA Federal Credit Union.

We don't know any other way to do it.

If we do it, if we're like everyone
else, if we get back to everyone

during regular business hours, if
we offer the same products, the same

service, why start a new credit union?

Treichel: Yeah.

I'm glad you brought up that speech
you give to the new recruits, cause

I was going to ask you about it and
you pivoted into it because of the

things that they have to pay for right
out of the gate, just so they can be

equipment that they need to get just
so that they can go do their job.

It's it's sad that they have to do
that, but it's fabulous that they're

you're there to give them a cost
effective manner in which to achieve

that so they can start, building
that American dream in a, in a.

In such a important role in society.

So that's just fantastic.

Thank you, Mark.

Keith Stone: In addition, in today's
climate, sometimes the law enforcement

world isn't perceived as our friends
anymore, and they have some hostility

that certain law enforcement entities
enter into in their daily job.

The least we could do as their financial
institution, the credit unit for

the law enforcement personnel is to.

Help them is do better is give them
a hand, is get back to them when we

say we're gonna get back to them.

Help 'em when we say we're gonna help 'em.

And quite honestly, that's
what I get paid to do.

And that's what we do.

Treichel: So it's a noble
it's a noble profession.

Unions are noble and what you
do is even, noble squared.

No multiples of that the role that you
play for helping those, the finest.

And now the folks in New
Jersey kudos to you Keith.

It's

Keith Stone: always an
honor and privilege.

What I do, I get to do this.

So every day I wake up, I have to
remind myself, I get to do this stuff.

I have the ability to help somebody.

And those aren't just words.

It's a mantra I live by.

Treichel: Yeah, I can tell.

I can tell that this is, this
has been a lot of fun guys.

So if If someone listening wants
to reach out to you, Keith, what's

the best way for someone who's
inspired by what you said here today?

To reach you?

Keith Stone: Call me or text
me at 6 4 6 6 6 1 1 3 3 1.

Treichel: Fantastic.

And I'll put that in the show
notes when this goes live.

And Rick, if someone is wanting to touch
base with you about how you might be

able to help a group do what Keith has
done here to get a credit union charter,

what's the best way for them to reach you?

Rick Mumm: By email mark at Rick
at RCU services dot com and R.

that's R.

C.

U.

S.

E.

R.

V.

I.

C.

E.

S.

all 1 word.

Dot com

Treichel: very good.

Thanks so much guys.

I really appreciate your time
and what you're doing for law

enforcement and these credit unions.

Rick Mumm: Thank you.

Keith Stone: Mark as well.

And Rick, always great seeing
you speaking with you guys.

I really appreciate both

Treichel: of you.

Thank you.

You got it.

And listeners, I want to
thank you for listening.

I hope you'll listen to it again soon.

This is Mark Treichel signing
off with Flying Colors.

Thank you for joining us on this episode
of with flying colors, subscribe on

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episodes where subject matter experts

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If you would like to learn more about
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com.