Annual Meeting & Conference


October 5-7, 2016  |  Louisville Marriott Downtown  |  Louisville, KY

The Kentucky Credit Union League is proud to provide Kentucky Credit Unions with this distinguished opportunity to expand on strong leadership and lasting relationships.

The 82nd KCUL Annual Meeting and Convention offers numerous education and networking opportunities, as well as the state’s largest credit union tradeshow.  This is an event not to be missed!

Join us for two days of engaging speakers, educational sessions, business meetings and entertainment.  Whether you are a credit union professional or volunteer, from a small or large credit union, you will find useful information geared towards your needs.

Questions or special needs, contact This email address is being protected from spambots. You need JavaScript enabled to view it.  or This email address is being protected from spambots. You need JavaScript enabled to view it. .

Check Out Our New Event App!

We'd like to announce that 82nd KCUL Annual Meeting & Convention has a free, official app. You can download the free official Whova app for our event.

You'll be able to:

  • View the event agenda and plan your schedule.

  • Plan ahead whom to meet at the event by browsing attendee profiles in advance.

  • Send in-app messages and exchange contact info.

  • Find attendees with common affiliations, education, shared networks and social profiles.

  • Receive update notifications from organizers.

  • Access agenda, GPS guidance, maps, and parking directions.

After downloading, sign up on Whova with the email address that you used to RSVP for our event, or sign up using your social media accounts. 



Schedule is tentative and subject to change.

Wednesday, October 5     
9:00 a.m.   KCUL Board Meeting
11:00 a.m.   Golf Scramble - Oxmoor Country Club
5:00 p.m. - 7:30 p.m.   Registration Open
7:30 p.m. - 10:30 p.m.   Golf Dinner & Entertainment
Thursday, October 6    
8:00 a.m. - 5:00 p.m.   Registration Open
8:15 a.m. - 9:00 a.m.   Registration & Continental Breakfast
9:00 a.m. - 10:15 a.m.   Opening Keynote
10:30 a.m. - 11:25 a.m.   Breakout Education Sessions
11:30 a.m. - 1:00 p.m.   Exhibit Hall Opening and Lunch
1:00 p.m. - 1:55 p.m.   Breakout Education Sessions
2:05 p.m. - 3:00 p.m.   Breakout Education Sessions
3:00 p.m. - 5:00 p.m.   Exhibit Hall Happy Hour
5:30 p.m. - 6:30 p.m.   Special Reception
7:00 p.m. - 10:00 p.m.   Awards Banquet
Friday, October 7    
7:00 a.m. - 12:30 p.m.   Registration Open
8:30 a.m. - 10:30 a.m.   Governmental Affairs Breakfast
11:00 a.m. - 11:45 a.m.   Members' Business Meeting
11:45 a.m. - 12:45 p.m.   Exhibit Hall Closing & Door Prizes
1:30 p.m. - 3:30 p.m.   Conference Closing & Grand Prize Drawing on the Belle of Louisville


Exhibitors fall into one of these three (3) categories:

1.     League affiliates

2.     KYCUL Services business partners and endorsed vendors, and

3.     Non-endorsed vendors.

Business partners and endorsed vendors provide a service or product which has been reviewed by KYCUL Services and which, based upon review and analysis, is believed to be of a quality nature and worthy of endorsement.  Affiliates, business partners and endorsed vendors are clearly identified by signs at their exhibit booths.

The products and services of non-endorsed vendors have not been reviewed or analyzed and KYCUL Services and the League make no representations with regard to their quality.

We encourage credit unions to investigate non-endorsed vendors thoroughly before purchasing their products and services.

Below is the list of current exhibitors.  Please check back frequently as we update our list.

Business Partners:

CUNA Mutual Group (CMG)

Endorsed Vendors:

3SI Security Systems John M. Floyd & Associates

Creative Marketing

Kings Island
CO-OP Financial Services   Love My Credit Union Rewards


  Financial Standards Group (FSG)

PolicyWorks LLC
Kentucky Kingdom & Hurricane Bay


Non-Endorsed Vendors:

Allied Solutions

Insurance Systems Inc.
Anthem Bank & Trust

K4 Architecture
ATM Solutions

Multi-Bank Securities
Box Lake Networks

Nymbus (Formerly R.C. Olmsted)
CliftonLarsonAllen LLP

CU Companies

SDG Blue
CU Direct

Share One

Evans Simpson and Assoc.

South Carolina Financial Solutions
Federal Home Loan Bank of Cincinnati

The Baker Group
Fifth Third Bank TNT Erectors Security

Foresters Financial Services

Golden Eagle Insurance

Volunteer Corporate Credit Union
Insurance Center Agency



Opening Keynote Speaker:  Denise Wymore


Denise Wymore began her career in credit unions over 30 years ago. She started as a teller of a $14 million government employees credit union in Portland, Oregon and moved up and around the organizational chart for the next 20 years at various credit unions and served as VP for both the Credit Union Association of Oregon and New Mexico.

From 2000 - 2010 Denise was a brand consultant and facilitated strategic planning sessions with credit unions ranging in size from $10 million to $10 billion in assets. Denise has spoken for nearly every credit union league and association in America and the World Council of Credit Unions twice (Warsaw, Poland and Brisbane, Australia).

Governmental Affairs Keynote Speaker:  J. Mark McWatters

McwattersJ. Mark McWatters was nominated to the NCUA Board by President Barack Obama on January 7, 2014. Following confirmation by the U.S. Senate on June 19, 2014, Mr. McWatters took office as an NCUA Board Member on August 26, 2014.

Mr. McWatters brings a market-oriented, transparent and fully accountable regulatory perspective to the NCUA Board. With more than 30 years of legal experience as a tax, corporate finance and mergers and acquisitions attorney, he has worked in both federal and state government, the private sector and academia and has significant experience in public policy issues related to the regulation of financial institutions and alternative investment vehicles, including service as a member of the Troubled Asset Relief Program Congressional Oversight Panel. Mr. McWatters is also licensed as a Certified Public Accountant.

Session Speakers

Mark ArnoldMark Arnold serves as president of On the Mark Strategies, a consulting firm specializing in branding and strategic planning. Not a mere consultant, Mark partners with credit unions and organizations to help achieve their desired strategic goals. He has worked with financial institutions ranging in size from $32 million to $1.8 billion. Prior to founding On the Mark Strategies, Mark served as senior vice president for a multi-million dollar financial institution in Dallas. He oversaw and planned strategies for multiple departments, including marketing, business development, human resources, training and customer investments.


Gui Cozzi brings over 16 years of IT security experience, successfully implementing pragmatic and risk-based security programs to meet compliance with various industries' security requirements. Prior to SDGblue, he developed and implemented an Information Security Program at the nation's third-largest faith-based health system. His previous titles include Director of Security Strategy & Risk Management, Technical Services Manager, Security Specialist, and IT Security Consultant. Additionally, he has been an ISACA Topic Leader on Risk Management, and is a member of the Kentucky Health Information Exchange Privacy & Security Committee. His certifications include: CISA, CISSP, CRISC, HITRUST, MBA, and MCSE.
karimhabib-150x150Karim Habib is Director of Lending Solutions with CUNA Mutual Group. In this role he is responsible for providing leadership and specialized knowledge of the Lender Development Program, as well as coaching, training and mentoring lending protection mangers and sales managers within the program. Karim is also part of the National LDP team, which is accountable for achieving critical success factors related to credit union strategic objectives, growth and penetration. He also ensures that CUNA Mutual Group's lending expertise is fully leveraged to support credit unions and their members.

erin webErin O'Hern, Director of League Compliance Services, oversees PolicyWorks' credit union league compliance services managing compliance inquiries, informing credit unions of new compliance requirements and providing a comprehensive resource of state and federal credit union regulations.

Erin previously held the position of Regulatory Counsel at PolicyWorks. Prior to joining PolicyWorks, Erin worked as a staff attorney for Iowa Legal Aid in the Waterloo, IA Regional office where she handled a variety of civil law cases.

Erin received her law degree from University of Iowa College of Law and graduated from the University of Iowa College of Liberal Arts. She is a member of the Iowa State Bar Association. Erin has also earned CUNA's Credit Union Compliance Expert (CUCE) designation.

jeff9Jeff Rendel, Certified Speaking Professional, brings a wealth of education and experience back to the platform for Montana's credit unions. With experience as a federal regulator, financial executive and Congressional lobbyist, Jeff knows business and – especially – the financial services marketplace. As President of Rising Above Enterprises, Jeff works with credit unions that want elite results in leadership, sales, and strategy. Each year, he addresses and facilitates for more than 100 credit unions and their business partners.


Session Descriptions

Opening Keynote:  Innovation in Credit Unions:  An Oxymoron?

Let's face it.  Credit unions have never been known as innovators.  At best, we hold the title for "Fastest Follower."  But is that good enough?

The problem with innovation in credit unions?  Our very structure makes sure that we protect the status quo, agree to things we don't necessarily agree with just to get out of a meeting.  We are surrounded by objections to any change: "We tried that already" or "I don't think we can do that - the examiners..."  And sadly, we continue to be held hostage by our core processors:  "We can't do that because the computer system can't handle it."  

In this keynote, Denise will share her journey of innovation and creation as a member of the i3 Filene Research team.  She learned the discipline of solving real problems with solutions that matter and are scalable.

10:30 a.m. - 11:25 a.m.

The New Brand of Volunteer – Your Credit Union's Vision in Service and Action – Jeff Rendel
Volunteer leadership for your credit union is more than governance. A new brand of volunteer leadership focuses on partnership. It's about uniting with your CEO as you help cast a vision and create value for your credit union and its members. It's no longer based only on financial measures, but also gauged on employee, member and community observations of your leadership practices and volunteer engagement. To carry out its responsibilities to members, volunteers must constantly evaluate your credit union's safety, soundness, financial performance, leadership, and quality of service — as well as their own brand of leadership and effectiveness.

Why Y: Strategies to Reach the Millennial Generation – Mark Arnold
"Never trust anyone over 30." If that popular movie line is correct, how can credit unions reach anyone under 30? For credit unions to survive in the future, they must successfully market to the 18-35 year old age segment. Arnold presents information about one of the most misunderstood groups of people: the Millennial Generation.

Loyal Lending: Find, Win and Keep More Loans and Members – Karim Habib
What if could utilize unique, innovative and proven best practices to grow and close more loans and create more loyal members versus repeat members for your credit union?  You will walk away with tools and techniques on how to FIND, WIN, and KEEP more loans and members.  Like many credit unions, you're dealing with the challange to grow and close more loans, retain and increase membership, and improve your margins and income streams to increase your competitive advantage in the market place.  You'll leave the sesion inspired with thought provoking ideas and best practices you can implement at your credit union.

1:00 p.m. - 1:55 p.m.

Emerging Leaders Present: Community-Based Service Learning – Emerging Leaders Program

  • Honor. Support. Never Forget. – The people who have given our country so much are sometimes overlooked. One Emerging Leaders group wanted to demonstrate how everyday people can honor, support and never forget the men and women among us, who serve and have served, in the military. Discover the many opportunities in which all of us can continue to honor, support and never forget our soldiers and veterans in this presentation.

  • Portland Promise Center: Investing in Our Youth's Future – Faith-based Portland Promise Center has provided children and families with the resources they need to develop and grow in their faith for over 60 years. This organization focuses not only on a child's emotional and physical state but spiritual state as well, which is what captured the attention of one Emerging Leaders group. Join us this session to hear how our Emerging Leaders made a commitment to invest in the children of the Portland Promise Center.

Building a Lasting Brand – Mark Arnold
Branding is more than just changing a few brochures or the look of a newsletter. A true comprehensive branding program will take years to develop and will impact the entire organization. Your credit union doesn't just "do" branding one year and mark it off its "to do" list: your credit union must "live" the brand every day. Having led his credit union through a name change and ongoing branding efforts, Arnold provides practical information on what to do and not do with your credit union's brand.

Compliance and Strategy: The New Normal – Erin O'Hern
The compliance landscape has changed dramatically over the last few years. Proactively planning for regulatory compliance is a must. This session will cover an overview of how the regulatory landscape has changed and what senior managers should know about upcoming compliance changes. We will discuss how to prepare your credit union for compliance changes such as the Military Lending Act, FinCEN's member due diligence final rule, and NCUA's new member business loan rule.

2:05 p.m. - 3:00 p.m.

Emerging Leaders Present: Community-Based Service Learning – Emerging Leaders Program

  • Change in the Bluegrass: Change by definition is to make or become different. The credit union core principle of "People helping People" helps set us apart from other forms of financial institutions. With this in mind, Change in the Bluegrass is a goal/vision that encompasses that idea. Small changes can have the biggest impact on your community. All it takes is a willingness to take that first step; volunteering, donating, raising awareness.

  • Start with a Box. – CASA works to ensure that all victims of child abuse and neglect are given a chance to thrive in a safe, permanent home. Their mission is to provide an independent voice for children, one child at a time by speaking for their best interests in the family court system. Join us to see how one Emerging Leaders group worked to ensure that the children of CASA did not go unrecognized on their birthdays.

Building an Effective Information Security Program – Gui Cozzi
With the increased reporting on breaches and cyber-attacks, many organizations are becoming more concerned with the posture and effectiveness of their Information Security program. In many of these cases, once leadership begins looking into that posture, they quickly realize that, while they have some security controls in place, they do not have a comprehensive Information Security program in place. An adequate program should be built to protect organizations against advanced cyber threats, ensure compliance with security and privacy regulations, and provide real world metrics and security program status to help leadership make risk-informed decisions and stay relevant over time. These organizations are faced with the daunting task of building an Information Security program from the ground up and it can be overwhelming to know where and how to begin, and what should be the priorities in doing so.

In this presentation, SDGblue will provide a path to success in the implementation of an Information Security program for your organization: SDGblue will discuss the core components of an Information Security program, what are some of the pitfalls, key roles and responsibilities, how to gain support (at all levels of the organization) for new Information Security initiatives, and how to ensure that your Information Security program will remain effective over time.

777 – Seven Trends, Seven Strategies, Seven Ways to Execute for Your Credit Union's Success – Jeff Rendel
Seven present-day trends in financial services influence the products, services, and experiences you provide to your members. They uncover clear-cut approaches where your credit union can create pipelines of profitable growth. And within these trends, seven strategies surface that deliver deliberate advantages to your revenue base, ability to scale your vision, and excellence in providing value to your members.

By the same token, seven practical avenues of execution help you produce sustainable results for your credit union's long-term success. They help you target the right markets, utilize the best resources, and build a culture where far-sighted results matter most. Combine these insights into your existing business model to enhance and increase the enterprise value of your credit union - for your members - by acting upon their imminent future in the here-and-now of today.

Governmental Affairs Breakfast Keynote:

Regulatory Update & Dialogue with NCUA - Mark McWatters, NCUA
A NCUA Board Member since August 2014, McWatters brings a market-oriented, transparent and fully accountable regulatory perspective to the NCUA Board. With more than 30 years of legal experience as a tax, corporate finance and mergers and acquisitions attorney, he has worked in both federal and state government, the private sector and academia and has significant experience in public policy issues related to the regulation of financial institutions and alternative investment vehicles, including service as a member of the Troubled Asset Relief Program Congressional Oversight Panel. Mr. McWatters is also licensed as a Certified Public Accountant.



  • Early Bird Conference Bundle (through Sept 2): $475*

  • Regular Conference Bundle (after Sept 2): $499*

  • Conference ONLY: $350

*Conference bundle includes attendee registration, Wednesday night event, Thursday night banquet, and a ticket to the conference closing. Golf outing is NOT INCLUDED in the bundle.  




Annual Business Meeting Only Registration Form and Voting Credentials

If you do not plan to attend the Annual Meeting & Conference but would like to attend the Friday morning Members’ Business Meeting ONLY, please complete and return the Business Meeting Registration form to the League office.

Download Business Meeting Registration

Hotel Information


280 West Jefferson StreetMarriott Entrance
Louisville, KY 40202
Phone: 1-502-627-5045


Golf Outing

Wednesday, October 5, 2016
Event Coordinator: Jim Feldkamp, KYCUL Services
This email address is being protected from spambots. You need JavaScript enabled to view it. or 502-855-8217

Location: Oxmoor Country Club
9000 Limehouse Ln, Louisville, KY 40220

The tournament format consists of 4 person teams. Create your own team or we’ll team you up with others.

The outing will begin with lunch and registration at 11:00 a.m. and golf will begin promptly at Noon. 


General Information

Badges Must Be Worn

Badges are specially marked to determine admission to conference activities.

Ticketed Events

Additional registrations are required for the Wednesday Golf Event, Wednesday evening dinner and entertainment, Thursday evening Awards Banquet, and Governmental Affairs Breakfast.

Seating for the Awards Banquet is reserved on a “first-come, first-served” basis at the Convention Registration Desk.


Business casual.  Be sure to bring a sweater or light jacket, as personal comfort levels may vary.

Cancellation Policy

Refunds will be issued until 14 days prior to the conference less a $50 administration fee per person. Substitutions accepted anytime. All cancellations/substitutions must be submitted in writing.

Who Can Attend?

Attendance is limited to League affiliated and associated credit unions. This conference is a special occasion for CEOs, Directors, Staff, and Supervisory Committee members to come together for valuable education and networking opportunities. For the Business Meeting, affiliated credit unions are entitled to one delegate and one alternate.

For Your Information

Download the Kentucky Credit Union League, Inc. Business Session Report Book


Kentucky Credit Union League
3615 Newburg Rd.
Louisville, KY 40218

Call: 502-459-8026 or 800-333-5285
Fax: 502-459-0189