Larry Biernacki

President/Chief Executive Officer
Arkansas Federal Credit Union
Jacksonville, AR

“Ceto and Associates completed an extensive review of our operations, staffing, and other related non-interest expense areas. They evaluated our organizational structure across all lines of business and identified potential areas of risk through an enterprise risk management assessment. We were very impressed with the “scorecard” they presented to us, which compared us to our peer group and best practices in over 130 areas. The “scorecard” pinpointed numerous areas where we can improve our operational effectiveness. We would strongly recommend Ceto and Associates Clear Point to other financial institutions.”

“We worked with Ceto and Associates on a Market View project. We were very pleased with the comprehensive scope of the engagement. They evaluated all of our products, services, rates, and fees on both sides of our balance sheet, and performed an extensive review of our local market and competition. Based on their analysis, they were able to make some prudent recommendations for our product/service portfolio. We realized a significant increase in revenues from the project, and would recommend Ceto and Associates’ Market View to other financial institutions.”

Steve Branstetter

Chief Financial Officer
People’s Trust Federal Credit Union
Houston, TX

“We had a very good experience with Ceto and Associates during the Market View engagement. They conducted a survey of fees and charges in our local market and suggested numerous ways that we might increase revenue while remaining fair to our members. There was never any pressure to adopt all of their recommendations and we selected those items which we thought appropriate to our market and members. Additionally, the data collection process was relatively painless. And most importantly, we achieved significantly improved non-interest income as a result of implementing their recommendations. I would suggest that anyone looking to improve their bottom line talk to Ceto and Associates.”

John Sutton

Senior Vice President & Chief Financial Officer
Credit Union of Texas
Dallas, TX

“We were very pleased with Ceto and Associates’ Market View. The project was completely risk-free to our organization, since our payments to Ceto and Associates were based on actual benefits. The scope of the program was extensive and included a review of hundreds of different areas, with the objective of maximizing profitability within our product mix. Their staff was highly professional and easy to work with. Ceto and Associates also helped with the implementation and monitoring of all management approved recommendations. We realized a significant increase in revenues, and so, the engagement was a big success.”

Karen Harbin

President & Chief Executive Officer
Commonwealth Credit Union
Frankfort, KY

“We were very pleased with Ceto and Associates Clear Point.  The scope of the assessment included a benchmarking analysis, process management scorecard and enterprise risk management scorecard, with an emphasis on organizational structure, operations, process improvement, risk management, staffing and other related non-interest expenses.  Taking into account our culture and objectives, they provided a comprehensive report of findings and prudent recommendations, along with a blueprint of scenarios for our organization for improving performance and addressing future growth.  Their consultants were professional and very easy to work with throughout the project.  We are very happy with the results, and will realize some significant benefits as a result of this engagement.”

Rex Hochstedler

Vice President & Chief Financial Officer
Interra Credit Union
Goshen, IN

“We have conducted similar reviews of our products in the past, but they were not as extensive and thorough as the Market View project we conducted with Ceto and Associates. Their in-depth review not only yielded significant new revenue ideas but also spurred meaningful conversation among our management team regarding many areas of our organization. The recommendations that we ultimately approved and implemented fit the right balance between both the philosophical and financial objectives of our organization. While similar reviews are possible with internal resources, we recommend Ceto and Associates because of their insight and the expertise that they brought to the table, in addition to the risk-free nature of the engagement.”

Brian Laufenberg

Executive Vice President & Chief Financial Officer
I.H. Mississippi Valley Credit Union
Moline, IL

“We worked with Ceto and Associates on a Market View project.  We were very pleased with the comprehensive scope of the engagement.  They evaluated all of our products, services, rates, and fees on both sides of our balance sheet, and performed an extensive review of our local market and competition.  Based on their analysis, they were able to make some prudent recommendations for our product portfolio.  We realized a significant increase in revenues from the project, and would recommend Ceto and Associates’ Market View program to other financial institutions.”

Mark Pedersen

Chief Financial Officer
Altura Credit Union
Riverside, CA

“The Market View engagement with Ceto and Associates put us in a position to be more competitive in our markets, while also maximizing revenue in some specific product areas that we thought might already be sufficient through our own internal efforts.  In addition, they brought to our attention other ideas and opportunities to enhance product profitability with their comprehensive local market research and competitor analysis.  The amount of work that went into this process and the amount of information that Ceto and Associates provided about our markets, competitors, and products has been invaluable and something that would have been difficult to accomplish on our own considering our limited time and internal resources.  I would strongly encourage other credit unions to consider Ceto and Associates for this type of engagement.”

Jim Phillips

Chief Financial Officer
The Southern Credit Union
Fayetteville, GA

“We were very pleased with the results of the Market View engagement that we completed with the guidance of the team at Ceto and Associates. They completed a full review of our products and services relative to our local market.  They were onsite for a few short days throughout  the entire project and were professional, courteous and accommodating to our Staff’s schedules during the interviews and data gathering portion. We felt no pressure to implement any recommendations that we didn’t think were right for our organization and members. Once we approved the recommendation that were right for us, Ceto and Associates was instrumental in assisting with the process of implementing and monitoring the recommendations to assure that we met the benefits that they had projected .”

Renee Lucas

Vice President of Operations
Clearview Federal Credit Union
Moon Township, PA

“We had a great experience with Ceto and Associates during the Market View engagement. We were impressed with their program, which included a thorough review of product characteristics and pricing relative to our competitors and market conditions. Moreover, they considered the culture and strategy of our organization when performing the analysis and making any recommendations. The information was very informative, and the quality of their work was outstanding. We recognized some rather substantial benefits from the engagement. Overall, it was just a great exercise for us and we would urge other financial institutions that are interested in increasing revenue to contact Ceto and Associates about their program .”