Josh DeTar
speaker
2,317 appearances
6 recordings
1 series
first heard May 2026
last heard 7 Aug
Josh DeTar’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 6 in all, peaking in Jul 2026 with 2.
Appearances
And so it comes down to the promotion side of things being the key element.
And you've got to have a compelling reason for somebody to choose to do business with you.
Because at the end of the day.
Everybody's got to make money at some point, right?
So we can't just drive this to a complete and utter zero.
Like if you offered me a zero percent auto loan rate, like of course I'm gonna take that all day, every day.
But we can't just drive everybody to zero, then it ceases to work at all.
But if everybody's at 1.9, why do I choose you over somebody else at 1.9?
And there's a whole multitude of factors that go into that.
So it kind of got all of this happening all at once.
Okay, so that brings us all the way back to one of the things that you touched on at the very start of this, right?
Which is a lot of the challenges that community financial institutions have faced.
And let's look at, I mean, there's challenges between credit unions and community banks, but I mean, I think you and I both would agree, while there's still some jockeying for position in that, there's a whole bigger swath to deal with than that jockeying.
But a lot of this is factors that are outside of their control.
Right.
Everything from regulatory changes to introduction of new players that were never on the bingo card for being a competitor to global economic shifts, right?
All of those things are having an impact on your business today.
Okay, I got a loaded question for you then.
So I'm a consumer.
Why do I give a flying crap about a credit union or a community bang at this point?
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