22 Minutes in Lending: Conversations about Credit Unions, Fintech, and Future of Finance
Episodes
Risks and Rewards: What Crypto, Governmental Chaos and AI Mean for Credit Unions (Part 2)
12 Jan 2026
Contributed by Lukas
In the second part of our conversation with Defense Credit Union Council (DCUC) president and CEO, Tony Hernandez, we explore what the future holds fo...
A Second Voice for the System: How DCUC Offers Credit Unions a Choice (Part 1)
05 Jan 2026
Contributed by Lukas
Two years ago, CUNA and NAFCU—the credit union system's two primary trade associations—merged to form America's Credit Unions. But was that the ri...
Reimagining NACUSO
01 Dec 2025
Contributed by Lukas
A little over a month into his tenure as President and CEO, NACUSO's Randy Salser joins us to discuss his vision for the Credit Union Service Organiza...
12% in 12 Months: What's Behind Veridian's Impressive Loan Growth
03 Nov 2025
Contributed by Lukas
While many credit unions grapple with low liquidity and a high cost of borrowing, Iowa-based Veridian seems to be bucking the trend. In this episode, ...
Why Education Lending Challenges Credit Unions
14 Oct 2025
Contributed by Lukas
Mick Olson, President and CEO of TopLine Financial Credit Union, joins 22 Minutes in Lending host Vince Passione to talk growth, strategy, and the ove...
Redefining Microloans Beyond Credit Scores
22 Sep 2025
Contributed by Lukas
From Wall Street to fintech, James Chemplavil has seen both sides of lending. After 16 years underwriting corporate debt at Barings, he launched Salus...
CUSO of the Year Talks Commercial Lending Growth
08 Sep 2025
Contributed by Lukas
From banking to startups to serving in Iraq, John Ballantyne has worn many hats. Now as CEO of Tru Treasury, he’s helping more than 70 credit unions...
Collaboration, CUSOs, and Crypto: Part II
25 Aug 2025
Contributed by Lukas
We’re back with Part 2 of our conversation with Becky Reed, COO at BankSocial. In this episode, Becky maps out the future of lending—from smart co...
Collaboration, CUSOs, and Crypto: Part I
11 Aug 2025
Contributed by Lukas
Becky Reed, COO at BankSocial, joins 22 Minutes in Lending to talk about her long-standing involvement with CUSOs, why cooperation is credit unions’...
Modern Lending at a Century-Old Credit Union
28 Jul 2025
Contributed by Lukas
How do you modernize a 100-year-old credit union without losing sight of your mission? John Anderson, Chief Lending Officer at Atlanta Postal Credit U...
Central One’s "Wicked Local" Take on Lending
14 Jul 2025
Contributed by Lukas
From rebranding to AI-assisted underwriting and member experience, Central One is redefining what it means to be a “wicked local” credit union. In...
The Financial Intelligence Business: Why Credit Unions Should Run Toward the Fire
30 Jun 2025
Contributed by Lukas
If your member experience is broken, you’re already losing. As fintechs outpace traditional lenders, CEO Omar Jordan of Coviance believes credit uni...
Chartway’s Bet on Branches, Bilingualism, Business Banking, and Tech
16 Jun 2025
Contributed by Lukas
Rob Keatts, EVP and Chief Strategy Officer at Chartway Credit Union, joins us to talk about the bold moves Chartway is making—from investing $25 mil...
Finding the Perfect Fit: Tech, Tools, Partners That Serve Credit Unions
02 Jun 2025
Contributed by Lukas
Whether it’s cybersecurity, liquidity, or finding the right fintech fit, credit unions are navigating a complex landscape with limited resources. St...
Tax, Tech and Tomorrow: A Vision for the Credit Union System
19 May 2025
Contributed by Lukas
In part two of our conversation with Samantha Beeler, president of the League of Credit Unions and Affiliates, we debate taxation and advocacy efforts...
Providing Clarity in Chaotic Times
05 May 2025
Contributed by Lukas
Samantha Beeler, President of the League of Credit Unions and Affiliates, joins 22 Minutes in Lending for an unfiltered conversation about the pressur...
Untapped Potential: The $1.7T Auto Refi Opportunity
21 Apr 2025
Contributed by Lukas
Millions of consumers are overpaying on their auto loans, yet few know refinancing is an option. In this episode, Nicholas Goraczkowski, president of ...
The Great Deposit Myth: Why Credit Unions Need New Growth Strategies
07 Apr 2025
Contributed by Lukas
With relentless technological advances, generational shifts in employment trends, and upended perceptions of “community”, traditional deposit stra...
Chaos and Confusion: What Credit Unions Should Know About Trump’s DoEd Cuts
25 Mar 2025
Contributed by Lukas
Join student lending expert Mark Kantrowitz as he unpacks the drastic Department of Education layoffs, how these changes will impact federal and priva...
Trust as Currency: How Credit Unions Drive Growth Through Member-Centric Lending
17 Mar 2025
Contributed by Lukas
Any credit union adding one million new members per year could be forgiven for resting on its laurels–not so for Navy Federal Credit Union. At the n...
First Steps and Fresh Starts: The Art of Storybook Lending
03 Mar 2025
Contributed by Lukas
Fintech. Disruption. Digital transformation. Panic! Credit unions are constantly behind, struggling to keep up, always at risk of redundancy… Or are...
Ignoring the Echo Chamber: Unsaid Risks and Rewards of Fintech Partnerships
18 Feb 2025
Contributed by Lukas
Disruption may be the new norm, but have credit unions caught on? In the latest episode of 22 Minutes in Lending, Brian Kaas, president & managing...
Inward and Upward: Driving Member Growth and Financial Health with Auto ReFi
27 Jan 2025
Contributed by Lukas
After years of turbulence, the auto lending market is finally leveling out–and credit unions are primed to capitalize. In the latest 22 Minutes in L...
Finding the Formula: Balancing Deposit Growth and Loans in 2025
13 Jan 2025
Contributed by Lukas
From embedded finance and fintech partnerships, to upsell/cross-sell marketing and education lending, in this episode of 22 Minutes in Lending, Casey ...
Balancing Tech and Tradition: Serving Local Communities Digitally
30 Dec 2024
Contributed by Lukas
In the latest episode of 22 Minutes in Lending, we’re joined by Elizabeth Adcock and Darcie Morgan of MAC Federal Credit Union who have helped overs...
Whose Rule Is It Anyway? Unpacking CFPB’s Rule 1033
16 Dec 2024
Contributed by Lukas
In this episode, Capitol Hill insider John McKechnie takes an unflinching look at the Consumer Financial Protection Bureau's (CFPB) Rule 1033, unpacki...
No credit union left behind: Reimagining the role of credit union leagues
02 Dec 2024
Contributed by Lukas
In this episode of 22 Minutes and Lending, host Vince Passione welcomes Juan Fernández Ceballos, president and CEO of Luminate, the credit union leag...
Addressing bias in AI: Opportunities to even the playing field for consumers
12 Nov 2024
Contributed by Lukas
In this second of two episodes with Kareem Saleh, Founder and CEO of FairPlay AI, host Vince Passione continues the conversation on how AI, to date, h...
Throwing out the rulebook: How age, race and gender are key inputs for fair lending
28 Oct 2024
Contributed by Lukas
In this first of two episodes with Kareem Saleh, Founder and CEO of FairPlay AI, host Vince Passione takes a deep dive into the world of AI underwriti...
Credit’s new frontier: Cross-border records and the role of cash flow data
15 Oct 2024
Contributed by Lukas
In this episode, Misha Esipov, co-founder and CEO of Nova Credit, joins host Vince Passione to discuss the millions of “Credit Invisible” people i...
Auto market turbulence: Trends, risks, and the path forward
23 Sep 2024
Contributed by Lukas
Join host Vince Passione as he meets with Bill Moniz, CEO of Cinch, to discuss the turbulence and trends of the auto finance industry. From the rise o...
Service or stereotypes: Can credit unions engage multicultural members?
09 Sep 2024
Contributed by Lukas
If the 67 million Hispanic consumers in the USA were their own nation, they’d have the sixth largest GDP in the world. And yet, they’re overlooked...
Modern credit reporting: Can old tech handle new data?
19 Aug 2024
Contributed by Lukas
Serious mistakes on credit reports is the number one consumer complaint, but are these issues really a surprise? The systems were developed decades ag...
Community lenders: The best-kept secret in town
29 Jul 2024
Contributed by Lukas
Is the key to credit union success just better marketing? On this episode, host Vince Passione is joined by Barry Kirby, co-founder and chief revenue ...
Service-Centered Growth: How Member Experience Drives Loyalty
15 Jul 2024
Contributed by Lukas
On this episode, host Vince Passione is joined by Dave Ledwell, SVP, Consumer and Business Lending at Navy Federal Credit Union–the world’s larges...
Driving growth through member-centric lending
01 Jul 2024
Contributed by Lukas
On this episode, host Vince Passione talks mortgage lending, consumer behaviors, credit-building and financial wellness with Richard Wada, Chief Lendi...
Values-Driven Banking: A Roadmap for Growth
17 Jun 2024
Contributed by Lukas
On this episode, host Vince Passione is joined by Jeff Kesler, President Dallas-Ft Worth at Veritex Community Bank, for an exploration of how a financ...
Think Inside the Box: The Growth Opportunities Staring Credit Unions in the Face
03 Jun 2024
Contributed by Lukas
On this episode, host Vince Passione is joined by Dr. Brandi Stankovic, a strategic advisor to credit unions, focusing on risk, growth, profitability ...
Products, Programs and Progress: Are CDFIs the Future for Credit Unions?
20 May 2024
Contributed by Lukas
On this episode, host Vince Passione is joined by Shirley Senn, Chief Consulting Officer at CU Strategic Planning, a Callahan company, for a deep-dive...
Adapting to Shifting Consumer Behavior in Auto Lending
09 May 2024
Contributed by Lukas
On this episode, host Vince Passione is joined by Tony Boutelle, CEO of Origence (formerly CU Direct). Tony shares insights into the evolution of auto...
Adapting to Modern Tech Demands in Banking
22 Apr 2024
Contributed by Lukas
On this episode, host Vince Passione is joined by Gary Lewis, Senior Managing Director of Lending and Deposit Solutions at Jack Henry. Gary discusses ...
Managing Liquidity Constraints at Small Credit Unions Part 3
01 Apr 2024
Contributed by Lukas
On this episode, host Vince Passione is joined by Dee Edie, President and CEO of Pine Bluff Cotton Belt Federal Credit Union; Tanya Romero-Sturgeon, P...
Managing Liquidity Constraints at Small Credit Unions Part 2
18 Mar 2024
Contributed by Lukas
Host Vince Passione is joined by Dee Edie, President and CEO of Pine Bluff Cotton Belt Federal Credit Union; Tanya Romero-Sturgeon, President and CEO ...
Managing Liquidity Constraints at Small Credit Unions Part 1
05 Mar 2024
Contributed by Lukas
Host Vince Passione is joined by Dee Edie, President and CEO of Pine Bluff Cotton Belt Federal Credit Union; Tanya Romero-Sturgeon, President and CEO ...
How Credit Unions Can Differentiate Through Trust-Building
19 Feb 2024
Contributed by Lukas
On this episode, host Vince Passione is joined by Brian Creagh, SVP, Credit Card and Education Lending at Navy Federal Credit Union. Brian talks about...
Advancing Innovation in the Credit Union Industry: Part 2
06 Feb 2024
Contributed by Lukas
On the second half of this two-part episode, host Vince Passione is joined by Ronaldo Hardy, President and CEO of NACUSO, to discuss the future of cre...
Advancing Innovation in the Credit Union Industry
22 Jan 2024
Contributed by Lukas
On this episode, host Vince Passione is joined by Ronaldo Hardy, President and CEO of the National Association of Credit Union Service Organizations (...
Strategic Fintech Investing for Credit Unions
08 Jan 2024
Contributed by Lukas
On this episode, host Vince Passione is joined by Nick Evens, President and CEO of Curql Collective, to discuss the unique model bringing fintech and ...
Relationships First: The Differentiating Factor for Credit Unions
18 Dec 2023
Contributed by Lukas
On this episode, host Vince Passione is joined by Jim Merrill, President and CEO of Inspire Federal Credit Union. With over 30 years in the industry, ...
Competing for Funds in a Rising Rate Era
11 Dec 2023
Contributed by Lukas
On this episode, host Vince Passione interviews Benson Bolling, Chief Lending Officer of Alabama Credit Union, about the state of lending and current ...
Merging Traditional Banking With Tomorrow’s Technology
27 Nov 2023
Contributed by Lukas
On this episode, Chip Mahan, Chairman and CEO of Live Oak Bank, joins host Vince Passione. He shares his extensive knowledge of the evolution of banki...
The Evolution of Small Credit Unions
15 Nov 2023
Contributed by Lukas
In this episode, we sit down with Ron Draper, CEO of Somerville Municipal Federal Credit Union, to discuss the evolving dynamics of the financial worl...
Exploring Fintech’s Evolution with Matt Harris of Bain Capital Ventures
06 Nov 2023
Contributed by Lukas
On this episode, host Vince Passione is joined by Matt Harris, Partner at Bain Capital Ventures. Matt provides an insightful look into the evolving wo...
Opportunity Is Knocking with Charles Krawitz at Alliant Credit Union
24 Oct 2023
Contributed by Lukas
On this episode, host Vince Passione is joined by Charles Krawitz, Senior Vice President, Chief Capital Markets Officer and Head of Commercial Lending...
Strengthening Credit Unions: The Power of Technology Partnerships
09 Oct 2023
Contributed by Lukas
In this insightful episode, Rodney E. Hood, Eleventh Chairman and Current Board Member of the National Credit Union Administration, shares his perspec...
The Importance of Building Trust with Pete Hilger at Allied Solutions
25 Sep 2023
Contributed by Lukas
On this episode, host Vince Passione is joined by Pete Hilger, CEO at Allied Solutions, to discuss:- Allied Solutions’ roots in the credit union mar...
Moving Money in Today’s Market with Steve Williams at Cornerstone Advisors
11 Sep 2023
Contributed by Lukas
On this episode, host Vince Passione is joined by Steve Williams, President and Partner at Cornerstone Advisors, to discuss:- Finding the value in ent...
Harnessing Fintech for Credit Union Advancement with Dan Berger
29 Aug 2023
Contributed by Lukas
In this episode, Vince Passione, CEO of LendKey, sits down with Dan Berger, President and CEO of NAFCU, to discuss the evolving world of lending and t...
Championing the Credit Union Cause: A Deep Dive with Dan Berger
29 Aug 2023
Contributed by Lukas
In this inaugural episode of 22 Minutes in Lending, Dan Berger, President and CEO of the National Association of Federally-Insured Credit Unions (NAFC...
Welcome to the 22 Minutes In Lending Podcast
06 Jul 2023
Contributed by Lukas
22 Minutes in Lending is a podcast that brings you leading conversations on lending. Join host Vince Passione as he engages with industry leaders and ...