NAMU CCUP case studies
NAMU CCUP · Put your knowledge to work in context.
The NAMU CCUP is a professional credential for people working in, or moving into, credit union operations. It signals that a holder understands how a member-owned financial cooperative actually runs: how deposits move, how consumer loans are underwritten and serviced, how member relationships are built and kept, and how compliance, security, and ethical conduct hold the whole thing together. The NAMU CCUP case studies are 5 cases and about 3,684 words.
1Net Worth at 6.84%: Three Requests, One Board Vote
Riverton Federal Credit Union holds 148 million in assets, 21,400 members, a main office, and two in-store branches. Its net worth ratio has fallen from 8.10% to 6.84% over three years, driven by a push into indirect auto lending and a 2023 renovation that ran 1.9 million over budget.
746 words, about 4 min2Deceased Member: POD Designation, Joint Account, and a Pension Deposit That Keeps Arriving
Gloria Ramos, a member for 19 years, died on March 3. The credit union learned of the death on March 4, when her daughter Alicia called.
763 words, about 4 min3A 72-Month Truck Loan, Gig Income, and Two Add-On Products
Marcus Hale, 27, applies at Riverton for a 31,900 used pickup: model year 2022, 61,000 miles, clean retail value 33,400. He has 2,500 down and wants 72 months at 8.9%.
720 words, about 4 min4The Nephew, the Roof Invoice, and a $14,500 Cashier's Check
on a Tuesday, member Edith Carver, 81, arrives at the teller line with a younger man she introduces as her nephew Ray. She asks for a 14,500 cashier's check payable to 'R.
763 words, about 4 min5A Director Asks for a Neighbor's Account History
A board director, Hank, calls the member service line on a Saturday and asks Dana, a representative six weeks out of training, to look up the balances and recent transactions of a member he names. He says the neighbor may be a fraud victim, or may be taking advantage of Hank's sister.
692 words, about 3 min