Podcasts

Credit Union Conversations

Welcome to Credit Union Conversations podcast with your host, Mark Ritter, a forward-thinking CEO, who excels in helping credit unions, small businesses, and real estate investors succeed.

Join Mark as he explores current trends, interview industry experts, and get fresh insights on optimizing your lending operations and delivering the best possible services to credit union members. 

More About Your Host

Mark Ritter is the CEO of MBFS & Nu Direction Lending and an expert in credit unions and business lending. His primary role at MBFS is overseeing the strategy of helping credit unions assist members with business needs and consulting with credit unions on planning the delivery of services to their membership.

In 2002, Mark started a large central Pennsylvania credit union’s business lending program as “one person and a desk” with no policies, products, staff, systems, or business members. That program grew to be one of the top ten in the nation.

In 2012, he took on the challenge of being the CEO of a business lending CUSO. Mark was the fifth CEO in five years for the organization, which lost money every month of its existence. Since joining MBFS, Mark increased the number of credit unions the CUSO and revenue by over 10x and ensured positive cash flow every full year he’s been at the CUSO. More importantly, MBFS has helped countless credit union members gain the financing they need for business and investment needs.

Mark is a native of Berwick, PA in northeast Pennsylvania, where he was a member of his high school’s nationally ranked and state championship football team. After high school, Mark hung up his cleats to work for the Penn State Nittany Lions full-time as a student assistant while attending Penn State as an undergrad. During this time Penn State transitioned to the Big Ten and culminated in Penn State’s first Big Ten Championship and a trip to the Rose Bowl. Mark remains an avid Penn State supporter. Today Mark lives in Bucks County, PA outside of Doylestown with his wife and two teenagers.

Credit Union Conversations Episodes

  • Selling Your Brand In 2024

    Selling Your Brand In 2024

    Guest: Miri Rossitto MBFS and Miri have had an amazing journey together, and I’m thrilled to chat with her today. Tune in as she shares her extensive expertise in marketing and brand development. Miri also offers a unique take on AI and social media platforms. I hope you enjoy this episode of Credit Union Conversations.…

  • What Does a Borrower Want From Their Credit Union

    What Does a Borrower Want From Their Credit Union

    Guest: Brandon Cobb What are your borrowers thinking? What do they want to make you their preferred lender? Brandon Cobb joins Mark today to talk about what it is like to be a borrower and what credit unions can do to make real estate investors long-term and happy members.  IN THIS EPISODE: KEY TAKEAWAYS: RESOURCE…

  • Tech Talk: Here Come The Machines

    Tech Talk: Here Come The Machines

    Guest: Jody Pillard What has changed since MBFS started working with Weidenhammer? Basically everything. Jody and Mark make sense of the coming AI revolution and what we should be worried about these days with security. IN THIS EPISODE: KEY TAKEAWAYS: RESOURCE LINKS: Mark Ritter WebsiteMark Ritter – LinkedInWeidenhammer WebsiteJody Pillard LinkedIn BIO: Mark Ritter is the…

  • Kick The Tires With Bob Brant

    Kick The Tires With Bob Brant

    Guest: Bob Brant Mark and Bob talk about the evolution of credit unions’ relationship with auto dealers and indirect financing, what the pandemic was like, and what it is like to finance vehicles these days. IN THIS EPISODE: KEY TAKEAWAYS: RESOURCE LINKS: Mark Ritter WebsiteMark Ritter – LinkedInKeystone Lending Alliance Website BIO: Mark Ritter is the…

  • Accountant, The Credit Union, & Your Member

    Accountant, The Credit Union, & Your Member

    Guest: Nolan Bradbury Nolan Bradbury joins Mark today to talk about the relationship between lender, accountant, and member. Also, what is the best way to manage debt load? What does the conversation look like between accountant and business owner when they talk about lenders? Nolan and Mark look under the covers to talk about what…

  • Can I Get A Rush On That Appraisal?

    Can I Get A Rush On That Appraisal?

    Guest: Noelle McDonald What’s the value? Noelle McDonald can help. The commercial real estate market is upside down today. Mark and Noelle talk about the current state of the appraisal marketplace and what lenders should be on the lookout for now and in the future. IN THIS EPISODE: KEY TAKEAWAYS: RESOURCE LINKS: Mark Ritter WebsiteMBFS…

  • What Do You Really Need To Know About NCUA Examinations?

    What Do You Really Need To Know About NCUA Examinations?

    Guest: Mark Treichel Mark Treichel and Mark Ritter talk about their respective backgrounds and what it is like on both sides of the examination process. They also talk about the current state of the NCUA and staffing levels. When should you take on examiners and when to back off? Mark and Mark talk about different…

  • Value of ALL Credit Unions

    Value of ALL Credit Unions

    Guest: Jeff Ivey Mark and Jeff discuss Jeff’s background and the mission of River City FCU. Jeff explains the value of CDFI status that credit unions can access. Jeff and Mark have a lengthy discussion about the value of credit unions of all sizes and the purpose credit unions have in today’s economy, along with…

  • Utilizing A CUSO & Third Parties At Your Credit Union

    Utilizing A CUSO & Third Parties At Your Credit Union

    Guest: Craig Page Craig and Mark talk about the old days of commercial lending in credit unions and how the dynamics between CUSO and CU’s have changed over the years. They also review the best practices in utilizing third parties to assist your lending operations.  IN THIS EPISODE: KEY TAKEAWAYS: RESOURCE LINKS: Mark Ritter WebsiteMBFS…

  • 2023 Year in Review

    2023 Year in Review

    Guest: Jeff Lyons Where has the time gone? Mark and Jeff look back at what they said a year ago to see how accurate their predictions were. They also take a look at how 2023 played out, both good and bad and what CUs should be doing to plan for the future. IN THIS EPISODE:…

  • Grading the Credit Union Industry

    Grading the Credit Union Industry

    How do we REALLY do as an industry? In today’s solo episode, Mark looks at the principles of the credit union industry and grades each area to see where we excel and where we can improve. IN THIS EPISODE: KEY TAKEAWAYS: RESOURCE LINKS: Mark Ritter Website MBFS – Website Mark Ritter – LinkedIn BIO: Mark…

  • Residential Mortgages: Yesterday, Today, & Tomorrow

    Residential Mortgages: Yesterday, Today, & Tomorrow

    Guest: John Giordano After talking about John’s background in the mortgage business, Mark and John talk about the boom times over the last few years and low-interest cycles. John talks about the current regulatory climate today and what he expects the mortgage market to look like over the next few years. IN THIS EPISODE: KEY…

  • Alisha Martin: Talking About Life’s Journey and Business Development

    Alisha Martin: Talking About Life’s Journey and Business Development

    Guest: Alisha Martin Joining Mark today is one of his favorite people in the credit union space along with being the most inspirational. Alisha Martin’s journey is one of resilience and perseverance. Today, Alisha runs the business development efforts at Suncoast and Mark and Alisha talk about what works and what doesn’t in today’s marketplace…

  • So You Say You Need Deposits?

    So You Say You Need Deposits?

    Guest: John Ballantyne Deposits. Everyone is looking for them, and no one seems to have the magic bullet—except John Ballantyne. Mark and John discuss the benefits of a commercial deposit focus and strategies to succeed in this line of business.  IN THIS EPISODE: KEY TAKEAWAYS: RESOURCE LINKS: Mark Ritter WebsiteMBFS – WebsiteMark Ritter – LinkedInMark…

  • Connecting Credit Unions & America’s Small Businesses

    Connecting Credit Unions & America’s Small Businesses

    Guest: Andy Turner If you like college football talk sprinkled in with your credit union talk, this is the episode for you. Mark and Andy catch up on Penn State football before a deep dive into how LoanStar helps credit unions and the current lending/regulatory environment. IN THIS EPISODE: KEY TAKEAWAYS: RESOURCE LINKS: Mark Ritter…

  • Yes, Loans Will Go Bad. Let’s Start To Plan.

    Yes, Loans Will Go Bad. Let’s Start To Plan.

    Guest: Craig Page Your portfolio is clean now, and “everyone is paying.” Good loans sometimes go bad, and it will undoubtedly happen to your portfolio at some point. Craig and Mark talk about the history lessons of the Great Recession and how to tackle your portfolio in the future when bumps in the road happen.…