Growing your mortgage business in a challenging market

first_imgIt’s a great time to be a lender in just about any loan category in the credit union industry. Assets, total loans, resi, auto, credit cards, member business loans are all up. Even better news, delinquencies are at cycle lows, so performance is strong due to a healthy economy. The only blinking red light has been loan to share ratios that are at 40-year highs, which gives some concern to liquidity going forward. Deposits are at a premium and their costs are starting to rise.(Source: NCUA)However, the long slow uptick in rates has taken its toll on originations, though hopefully the recent pullback in rates helps the refinance market. The continuing rise in home values, coupled with low inventory, has made housing affordability a real challenge for everyday America. The chart below provided by the Urban Institute shows the volumes we’ve experienced over the last few years. Most forecasts call for more of the same for the next 2+ years with originations being flat (at best) around $1.5tn annually. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Lending Perspectives: We need to develop human lenders as much as AI

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading » After I graduated from college in 1983, I moved forward with my plans to pursue a career in banking without any specific ideas of which aspect of the business was most attractive to me. I was aware that most banks offered a management training program for new college graduates. Two to three years of exposure to various areas of the bank typically was followed by a permanent, first-step assignment, sometimes as a branch manager, sometimes at a next-level position in other operational areas.Unfortunately, 1983 was a bad time to be looking for a job, especially at a bank. The prime rate was still in the high teens, and the economy suffered from high inflation and unemployment. While my one serious bank interview didn’t work out, I was able to pivot and was hired into a similar management training program at a national finance company. Five years of what you might call “trial by fire” and I was hired as the VP/lending at my first credit union at age 27. Let’s face it—I was extraordinarily lucky.While banks and many credit unions have similar talent development programs today, they’re typically geared toward developing the next generation of branch managers. I firmly believe that credit unions have to take a similar approach to developing tomorrow’s lending talent. I’m certain there is a contrarian or two who would say, “You don’t need to develop lenders! Machine learning will make all of your decisions, and members will do everything regarding their loan on a mobile device.”last_img read more

The CUInsight Experience podcast: Amy Downs – Resist complacency (#38)

first_img 100SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Randall Smith Randall Smith is the co-founder of CUInsight.com, the host of The CUInsight Experience podcast, and a bit of a wanderlust.As one of the co-founders of CUInsight.com he … Web: www.CUInsight.com Details Welcome to episode 38 of The CUInsight Experience podcast. Hosted by Randy Smith, co-founder of CUInsight.com. In this episode, Randy is talking to Amy Downs President and CEO of Allegiance Credit Union in Oklahoma City, she is a motivational speaker, an IronMan Triathlete and an Oklahoma City Bombing survivor.Amy discusses what happened to her and her co-workers when the federal building in Oklahoma City was bombed, how she was trapped under rubble and how it took over 6 hours to dig her out. She tells us what she was thinking while she was waiting to be rescued, what she wanted to change if she made it out alive and how she did it all.Amy speaks to us about being CEO of Allegiance Credit Union, how she got there and why she stayed in the credit union industry. She chats about being a leader and what that means in the changing industry and how it’s time for younger people in leadership, management and on the boards.Listen in as Amy gives us an inside look to her disaster, her triumph and her road to being the person she is today. She has a story to tell and you don’t want to miss it so sit back, plug in and be prepared to cheer at what she has accomplished.Subscribe on: Apple Podcasts, Spotify, Google Play, Stitcher  How to find Amy:Amy Downs, President and CEO of Allegiance Credit Unionwww.allegiancecu.orgwww.amydowns.orgAmy.Downs@acuok.orgLinkedin | Instagram | Twitter Show notes from this episode:Shout-out: Brent Rempe, Lois KitschCredit union shout-out: Allegiance Credit UnionCheck out Amy’s personal website on her as a motivational speaking gigs here.Today Show: Survivor stories: OKC bombing survivor Amy Downs on how she pushed through tragedyRunner’s World Podcast: Episode 27 – From the RubbleRelevant Leadership Podcast: Episode 5: Oklahoma City Bombing Survivor turned CEO with Amy Downs (CEO of Allegiance Credit Union)Video: Highlights – 2017 Ironman ArizonaBeauty for Ashes: The Amy Downs StoryShout-out: CooperaShout-out: Credit Union Development Education Program (DE)Book mentioned: Four Disciplines of Execution by Chris McChesneyBook mentioned: Radical Candor by Kim ScottBook mentioned: Getting Things Done by David AllenEducation program that was career changing for Amy: CUES CEO InstituteShout-out: OK FreewheelJournal Amy mentioned: The Five-Minute JournalSomething both Amy and I do every morning: Morning Pages. You can buy the book The Artist’s Way or just watch the YouTube video that got me started here.Podcast Shout-out: Tim Ferriss ShowProduct Placement: Both Amy and I use Moleskin journals.Album mentioned: Hysteria by Def LeppardBook mentioned: The Traveler’s Gift by Andy AndrewsBook mentioned: Girl Wash Your Face by Rachel Hollis and Girl, Stop Apologizing.Make sure to follow @AmyOn2Wheels on Instagram.Previous guests mentioned in this episode: Lois Kitsch, John Pembroke, Tansley Strearns, Jill Nowacki (episodes 4, 18 & 37)You can find all past episodes of The CUInsight Experience here.In This Episode:[01:45] – Welcome to the show Amy Downs, President and CEO of Allegiance Credit Union.[02:53] – Amy describes for us what happened on April 19, 1995 at the federal building in Oklahoma City, where her office was located.[06:35] – She speaks to us about the wait under 10ft of rubble to be rescued and how during that time she reflected on her life wishing she had a do over, because she thought she was going to die.[07:49] – Amy says it took six and a half hours to dig her out from under the rubble never knowing if the unstable building was going to collapse.[09:23] – When she was pulled out alive she decided to change her life and she promised God she would never live her life the same way she was living it.[13:55] – Amy thought about leaving the credit union but realized that if she did and they let the credit union go under the 18 employees and over 100 members that were killed lives would have meant nothing.[14:26] – She tells us how she went from weighing 355 lbs, to training, to becoming an Ironman Triathlete.[17:53] – Amy is most excited about seeing the leadership that is coming down through credit unions to have the younger generation leading in a different way.[19:07] – How is Allegiance keeping up with all the changes coming their way? In technology?[20:43] – Amy believes that credit unions need younger more diverse people in management and on their boards.[22:18] – What inspired Amy to take the position of CEO of the credit union? Who inspired her?[23:18] – Her motivation has shifted since she took the position because she knows that they need to grow the credit union.[24:51] – Amy says her leadership style is open book management, she believes in being transparent.[25:23] – How does her team describe her leadership style?[25:55] – Amy states that she has the best team in credit unions today, they are diverse, they trust each other and they play off of each other.[28:10] – She says that the one mistake she has made and she sees young leaders make is trying to be the boss, it’s the wrong way to earn respect.[29:18] – Amy tells us that a significant failure she made in her career was she allowed herself to fall into a complacent place where she was showing up but not bringing her best game.[33:17] – The piece of advise that she keeps replaying in her mind is “it’s not what happens to you it’s how you choose to respond to it?[34:14] – If Amy has a free day she likes to take a 60 mile bike ride with her husband or helping people by giving motivational talks.[35:48] – She also like to do an organized ride once a year across the state of Oklahoma called Oklahoma Freewheel.[36:20] – Amy says the first memorable time she got in trouble was talking too much in class.[36:52] – She is obsessive with her morning routine she does the same thing every day.[39:39] – What is her favorite album of all time?[40:45] – The book she gifts the most often?[41:45] – What’s become more important to you over time? What’s become less important?[43:20] – When she hears the word success who does she think of?[44:57] – Any final thoughts or asks for our listeners?last_img read more

How to make charitable donation dollars work harder

first_img continue reading » As part of its strategic planning five years ago, CAMPUS USA Credit Union leaders decided to make its already-generous charitable giving program a more organized, focused operation. Two key improvements have helped them achieve that goal:Establishing a charitable foundation with a board that directs donationsCharitable donation accounts that offset some of the program’s cost$2 billion CAMPUS USA CU, Gainesville, Florida, was already well-known for supporting its communities with donations and volunteer programs. But CEO Jerry Benton says the credit union’s charitable giving was more reactive than pro-active.“Our senior management supervised [donations], but there were no clear goals. We were fielding requests as they came in, rather than establishing the types of organizations and geographic areas we should be targeting,” says Benton, a CUES member. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Tough times don’t last – tough kids do

first_img 29SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Dave Adams Dave Adams is  President / Chief Executive Officer of CU Solutions Group. The  CUSG office is located in Livonia, Michigan.Mr. Adams joined the Michigan Credit Union League in August of … Web: www.CUSolutionsGroup.com Details My wife Evelyn and I were traveling in Europe in the Spring of 2018. It was our first trip to France together, and we had enjoyed the incredible museums, scenery, architecture, and history of Paris, the Loire Valley, and Normandy Beach. As we were about to return home, I received a call from my daughter Janessa. Pregnant with twins, she had delivered early at 26 weeks and her baby boys Samson and Oliver were in a Children’s Hospital Neonatal Intensive Care Unit. They weighed only 1 pound, 12 ounces and they were clinging to life.This was Janessa and Drew’s first pregnancy and they were full of anticipation for the arrival of the twins. The excitement was suddenly replaced with fear and anxiousness with the babies’ premature delivery.I had had other experiences with the amazing work done by Children’s Hospitals but nothing compared with the 3-month journey that my daughter and son-in-law and the whole family were about to experience.There are few charitable causes that tug at our heartstrings like the Children’s Miracle Network Hospitals and the Credit Unions for Kids program. CMN Hospitals raise funds and awareness for 170 member hospitals that provide 32 million treatments each year to kids across the U.S. and Canada. Donations stay local to fund critical treatments and healthcare services, equipment and charitable care. Since 1983, CMN has raised more than $7 billion.Looking at this another way, 62 children enter a CMN hospital every minute and that counts for 1 in 10 kids in North America each year. There are 32 million patient visits for 10 million kids every year. Every day that means 16,000 kids in the ER, 935 with diabetes, 2,200 for cancer, 925 newborns in ICU and another 2,300 for surgeries. Of course, every child and every family have a story like my grandsons, Samson and Oliver.When we arrived at the NICU in Salt Lake City, Janessa and Drew were in good spirits, positive, already immersed in the CMN culture that encourages parents and grandparents to share in the long nurturing journey that helps these babies cling to life and battle unexpected challenges. Janessa plays the guitar, as do I. She was told that it helps to read to the babies and to sing to them as they develop. My heart was touched when she asked if I would consider playing the guitar and singing some songs to the babies.I remember thinking, “How could I turn down that request?” And such was the bittersweet experience of our visit. On one hand, we were deeply saddened by seeing how dire things looked for the boys. But on the other hand, we were inspired by the care being given and the way that Janessa and Drew were giving their all with great hope and faith.As grandparents who lived 1,500 miles away in Michigan, we did our best to show up and participate in this challenging and long journey. Our brief and seldom visits were appreciated, but were so inconsequential compared to the daily highs and lows of emotions felt by Mom and Dad. It was they who hovered over incubators, and received almost hourly updates from doctors and nurses who provided incredible and impressive care with amazing expertise, but sometimes with the most troubling news like possible surgeries and other risky treatments.As the three months in NICU came to an end, Oliver was a near-perfect baby as he left the hospital and headed home. But Samson had physical issues that could last a lifetime. Most of them now appear surmountable though they will have some lifelong impact. He had a permanent shunt placed in his brain to drain fluid. He would have a feeding tube in his stomach that would be required for at least the first 24 months of his life and he was diagnosed with mild cerebral palsy that could be largely treated with physical therapy, though it will have an impact on his neuromuscular development.As the boys are now smiling, happy and energetic toddlers, both are living miracles. They are only healthy, let alone alive due to the amazing work of two Children’s hospitals in Salt Lake City, part of the CMN Hospitals network. And this amazing care is obviously very expensive. You can’t have 4-6 caregivers per child, tending to babies 7/24 with expensive medical equipment, without a very large bill at the end of the stay.Samson and Oliver’s 3-month stay resulted in a total bill of over $3m. Their parents had insurance but many parents don’t. Our generous giving can assure quality care and relieve financial stress for millions of families in need. What a tremendous impact we can continue to have through generous giving.Not surprisingly, the credit union industry is one of the largest contributors to CMN Hospitals. Founded in 1996, Credit Unions for Kids has raised over $200 million with a whopping $13.6 million raised in 2019 alone. Credit unions and their organizations raise funds with wine auctions, golf tournaments, casual days, selling miracle balloon icons, selling candy bars and big event auctions and silent auctions. This year, CU4Kids launched, “Give on the Go”, which is engaging members to give on online and mobile banking platforms. Chances are, at least 10 percent of the nation’s 300,000 credit union employees and volunteers have a story like mine to tell. These are heartwarming stories about survival battles won and lost by children and parents and families afflicted by the most challenging health issues.And whether these stories are experienced personally or from a distance, as a credit union community we should take great pride in the opportunity to support such a worthy cause. And while credit unions drive so many other examples of charitable giving all across the country, perhaps we could all consider doubling down on this wonderful Credit Unions for Kids cause that drives so many success stories for the most vulnerable children.The Michigan Credit Union League, a longtime supporter and fundraiser for CMN, invited Jonny Hendricks and his family to attend its convention in Traverse City to share how CMN has benefited him.Jonny was first diagnosed with cancer in 2013 and is no stranger to fundraising. He has held multiple fundraisers to give back to different departments within Beaumont, has been interviewed by Hour Magazine and was featured in a commercial for CMN titled “Dear Cancer.”According to his mother, Samantha Hendricks, Jonny is a very caring, giving and fun-loving child who always has a joke to tell. His family has a saying, which he shared with AC&E attendees: “tough times don’t last … tough kids do!”Continuing in the tradition of giving, Hendricks talked to convention attendees and brought a signed and framed piece of his artwork for a live auction benefiting CMN.“Jonny was so inspiring and touched everyone who met him,” said Lisa Fawcett, chief marketing officer for Zeal Credit Union. “When we learned that his art was the first item to be auctioned, we jumped at the opportunity.”CU Solutions Group (CUSG) agreed to match all donations to CMN up to $500, so Zeal made a bid of $500 to enable a donation of $1,000 to CMN.“Picking a place to display Jonny’s picture was easy,” said Fawcett. “Throughout our credit union headquarters in Livonia, we have signage and art that emphasizes our core values of passion, empathy and character. Knowing Jonny’s story made it even more personal. What a fantastic kid and role model for all of us.”Jonny’s Leukemia has been in and out of remission and he truly is one tough kid! His Mom sums it up like this, “We still have a lot of fight within us and we’re ready to tackle this head-on! As scary as all of this is, Jonny is always the light at the end of the tunnel and makes it shine every day! I love that boy more than life itself!!! Please keep sending your prayers, good vibes, and healing thoughts. TOUGH TIMES DON’T LAST… TOUGH KIDS DO!”COVID-19 has placed an unprecedented stress on the U.S. health system, including CMN hospitals. The associated costs have affected every aspect of treatment and services offered as employees, funds, facilities and other resources are reallocated to meet emergency needs and to conduct research to generate a viable vaccine. And as more families lose insurance coverage due to job loss, expanded philanthropy is more important than ever.Nick Coleman is the Director of Credit Unions for Kids and he can be reached at cu4kids.org. Nick and Credit Unions for Kids have resources and programs that are waiting for our continued commitment.last_img read more

Reputational risk – DEI must be a cornerstone of mission

first_img 12SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Susan Mitchell Susan Mitchell is a passionate believer in making a difference! As the CEO of Mitchell, Stankovic & Associates, a consulting firm that has provided over 5,000 credit unions innovative … Web: www.mitchellstankovic.com Details Building Diversity, Equity and Inclusion into the credit union mission requires strategic thinking and bold, intentional action by the Board. Moving beyond the emotional noise that often accompanies tough decisions will require the board to think about the future while evaluating the present. We must be honest with ourselves about who we are, what our organizations stand for, and how credit unions can remain relevant as the world is quickly shifting the business model away from transactions that any financial institution can process and back to social purpose built upon the needs of people, let alone the philosophy of people helping people.Why do I say reputation risk? Isn’t everyone a little tired of the sea of sameness when looking out over the landscape of credit union leadership? It used to be noticeable at conferences, but personalities often disguised the issue. NOW with Zoom or virtual sessions, demographic dominance is upfront and personal. We have members researching the Board of Director pictures and asking, “why don’t they look like me?” We have young people wanting a way to rise up in leadership with strategic influence. If this election has taught me anything, it is that there will be discourse on important issues and people will demand authenticity.So, are you really, I mean really, committed to diversity of thought that comes from myriad opinions? Are you really interested in a long-term systemic change to business practices that results in inclusive and equitable representation? If so, then take steps.Assess your current situation, establish a baseline, and get uncomfortable because the data will tell a story.Get real with each other – Board members and executives. We have been taught to follow out of date informal rules: Do not profile. Do not say “queer.” Do not look for someone just because of their race. And each of us has an inner voice that says, ‘I want to be the most qualified, not the token exception.’ Stop the gratuitous thinking and replace it with the knowledge a door has opened. The only way we make real change is to listen to the current conversations, learn and step in when asked, because with you comes awareness and access to an entirely different group of diverse thought. Let’s authentically assess how we can make change.In the 1990’s, we had the largest MySTERY Shopping service in the credit union industry and created scenarios that identified racism and bias during employee-member engagement. Tough to read and hard for managers to accept, but a necessary baseline that uncovered training needs. As an industry, we may have slowed these practices, but the people we serve have not. They rate us everywhere on the internet and are digging deeper on DEI initiatives.We need to create opportunities for all people within the credit union movement and ensure our leaders, as well as our front lines, reflect society at the fundamental human level.Diversity is just one step. As a female entrepreneur since the 1990s, I’ve strived to make a difference and seen results. I’ve witnessed incremental progress – slow, but incredible progress in how we view diversity. I was that one female executive in most rooms that were filled with men, almost exclusively white men. I have seen and experienced less-than-equitable treatment, spent moments in fear or in tears hiding in bathrooms, but ultimately gaining confidence to stand up when necessary for myself, others and what I believed in.I owe a debt of gratitude to those who came before me, and that is why I return the favor by extending my hand and influence to create job opportunities, partnerships, recommendations of people and connections to others who might increase their professional impact. I’m fervent in championing diverse representation and encouraging copious voices to participate in all decision-making entities.One of my passions has been building networks for under-represented people because scale matters and the stronger the voice, the more likely the impact. I count among them the Global Women’s Leadership Network of the World Council of Credit Unions. Since 2009, we have created a safe haven and reached more than 5,000 CU women on different continents, traveling around the globe, when we could, and now virtually, expanding the richness of conversations worldwide, providing scholarships to advance women, bolstering their business savvy to support their families and mobilizing locally through 125 Sister Societies in 28 countries. Despite its name, GWLN is inclusive at its core, and our HE for SHE initiative has ensured that men can be our biggest champions. We must tap their strategic influence and share intimately the vulnerability of women, especially post-coronavirus, when regression concerns even the United Nations as more families fall into poverty. We all need allies to #STANDUP with us!Just like CU Pride, a thought leadership discussion in 2018 that led to a formalized network during the 2020 Mitchell Stankovic Underground Collision in Washington, DC. The network was organized by co-founders: Zach Christensen, Linda Bodie, Daniel Marquez and Brandi Stankovic with me as an adviser. CU Pride’s mission is to give the LGBTQ+ community within credit unions, a safe and brave place for communion and discussion, create a forum for allies and social change agents, and promote inclusivity and consciousness through programs, education, and networking for the credit union movement. In less than 6 months, CU Pride is 350 members strong and drives vulnerable collaboration around the critical issues affecting the credit union LGBTQ+ community and members they serve. CU Pride is an important component of all diversity, equity and inclusion initiatives and will continue to push the industry.In addition to CU Pride, the Underground has challenged perceptions, side-by-side with many credit union thought leaders, in areas of racism, social disaster recovery, modernizing board governance, whole-person financial wellness and much more with very raw, very real emotion, conviction and facts. We apply Maslow’s Hierarchy of Human Needs to credit union leadership to help them through this journey so they can in turn apply strategic influence to help their employees and members do the same. I #STANDUP for thought leadership that turns ideas into action!For more than 25 years, we have strived to create coalitions that affect change, because we truly are stronger together. There is much hate rhetoric in the world today and rather than being swept into a negative tidal wave, I believe that our core reputation resides in our social purpose. Founded by the people, for the people, credits unions have a responsibility to ensure people are helping people. Through Mitchell Stankovic’s partnerships we are seeing credit union people rush in when others rush away.Your personal reputation and your organization’s goodwill are dependent upon awakening to the times. Push for diversity in the board room. Ask executives to deploy practices that will bring together people of color as employee resource groups and be mindful of your business practices – maybe even MySTERY Shop them again – to ensure unconscious bias is identified and education made available.The silver lining to the recent racial unrest is that it has shined a bright, beaming spotlight on systemic discrimination that some have tolerated because those affected have been patient. Now a sense of urgency is bursting forth to move incremental results forward and build buy-in from a broader audience. We cannot waste this historical moment, because a great many risks await us if we don’t act with intentionality: lost growth opportunities, potential legislative or regulator ‘remedies,’ financial, legal and reputational risks and, ultimately, irrelevance to consumers and as employers. We all want a better life; credit unions are the conduit for the future. We are relevant. We can make a difference. We are the credit union.The late Ruth Bader Ginsburg stated so eloquently, “Fight for the things you care about, but do it in a way that will lead others to join you.” I wholly believe change will come when driven by an absolute and compelling focus on impact. Let’s #STANDUP, use our strategic influence, and put our ideas into action for DEI!last_img read more

He’s Back! Jon Stewart Inks Deal With HBO

first_imgSign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York The revolution will be streamed.Jon Stewart, the famed former Daily Show host on Comedy Central whose comedic take on national politics dramatically altered the late-night TV landscape, has found a new home at HBO.The subscription-based network announced Tuesday that it has inked a four-year production deal with the comedian, who has been in semi-retirement since signing off as host of the popular satirical show in August.Under the deal outlined by HBO, Stewart will produce short-form content primarily for HBO NOW, HBO GO and other related platforms, all of which are streamed over the Internet. The network also noted that Stewart is collaborating with graphics company OTOY Inc. to develop “new technology” that will allow him to produce truncated clips on multiple platforms.“Jon Stewart led a revolution that changed the face of TV comedy on the Daily Show,” Michael Lombardo, president, HBO Programming said in a statement. “He graced our network nearly 20 years ago, so we’re thrilled to welcome back his immense talents in this next chapter of his career.”“Appearing on television 22 minutes a night clearly broke me,” said Stewart. “I’m pretty sure I can produce a few minutes of content every now and again.”The news should be music to the ears of legions of Stewart’s fans who have struggled to cope with the idea of a 2016 presidential election devoid of his often biting comedy.When Stewart’s content will hit HBO’s multiple platforms is unclear. But when it does, viewers will be able to view his comedy on HBO mobile apps and streaming devices that support HBO NOW and HBO GO, such as Apple TV and Google’s Chromecast.By signing with HBO, Stewart will join his former Comedy Central colleague John Oliver, host of HBO’s Last Week Tonight. Oliver landed at HBO after he temporarily took over the reigns of the Daily Show during Stewart’s absence as Stewart produced his first feature film, Rosewater.Stewart is widely credited with reshaping political commentary on television. He essentially built a farm team of politically minded comedians such as Oliver, Stephen Colbert and current Daily Show host Trevor Noah, all of whom contributed as so-called “correspondents” prior to hosting their own respective shows.HBO’s new superstar personality first began lecturing politicians from behind his desk as Daily Show host in 1999.HBO has been aggressive in persuing larger-than-life figures to its network. Aside form Stewart, HBO announced that it has reached a deal with respected sports writer and podcast host Bill Simmons to create a weekly show for the network. Simmons had been editor-in-chief of Grantland, popular for its long-form sports journalism and unique perspective on sports and pop culture, which ESPN recently shut down.Fans and commentators alike have speculated what Stewart’s post-Comedy Central life would look like.Now that we know, presidential hopefuls should prepare for the worst.last_img read more

National Law Enforcement Appreciation day

first_img(WBNG) — Owego Mayor Mike Baratta gave the Owego Police Department a shout-out on Facebook Thursday, thanking them for their service. He wasn’t the only one to show gratitude on Facebook. The Village of Endicott Police Department and the Deposit Fire Department making sure our local law enforcement were appreciated Thursday. Mayor Baratta says its important to show appreciation to the ones who protect us everyday. “It’s really nice to see the appreciation from our mayor, it means a lot to us internally and hopefully it shows out in the community.” said Patrolman Thomas Woodburn. On top of that to show his appreciation, he sent over wings and pizza to the department.last_img read more

Noah Farrelly’s legacy runs on with personalized sneaker ID tags to promote young runner safety

first_imgThe memorial fund also works to spread Noah’s story and emphasize the important of road safety for young runners. The tags were distributed to several local STAC school track teams, providing identification for more than 200 students. “If anything should happen to them their families would be spared the awful experience of having their child be alone and unidentified,” explained Farrelly. It’s an experience she remembers like it was yesterday. It’s a project she thinks Noah would be proud to have his name on. “I think he’d be really happy to know that because of him there’s a lot of good that we’re able to do and he’s going to be help keep other kids who run safe.” A horrific day where you would want to comfort your child, for his mother Bridgette Farrelly, “Because Noah was alone and not carrying any identification at the time, it took the authorities nearly nine hours to contact us to let us know what had happened to our son.”center_img (WBNG) — One Binghamton mother is working to increase the safety of local runners with sneaker identification tags in memory of her son. Years later, however, the Noah Farrelly Memorial Fund is providing personalized sneaker identification tags to hundreds of runners in the Southern Tier Athletic Conference, which Noah was a part of. “As a mother, it was absolutely heartbreaking to imagine my son alone and trying to fight for his life and the people who were caring for him couldn’t comfort him or encourage him calling him by his name,” she explained. Binghamton High School graduate Noah Farrelly died back in December of 2018 after getting hit by a car while running while at school at Stonybrook University. The Virtual Noah Farrelly Walk and Run is coming up on June 14, 2020 and provides money for projects the memorial fund works on like this one.last_img read more