Most credit unions are trapped in AI paralysis. It’s not because they don't want the competitive advantage, but because they're terrified of what happens when regulators come knocking.

In this tactical episode of Banking on Experience, host Joshua Barclay sits down with Ray K. Ragan, Chief Information Officer at Securityplus Federal Credit Union, to solve the AI compliance puzzle once and for all—so credit unions can tap into the transformative use cases waiting on the other side.

Ray isn't your typical credit union executive. As an Army Reserve officer who served on the Army AI Task Force and holds multiple AI patents, he's witnessed AI's evolution from military-grade applications to credit union boardrooms.

His unique perspective bridges the gap between cutting-edge AI technology and regulatory reality.

Want the compliance roadmap? We cover it: risk assessments, board sign-offs, examiner questions. Plus, Ray reveals some powerful, unique AI use cases that are specific to credit unions.

If you’ve been waiting for a real-world answer to AI and compliance, this podcast episode is for you.

What if the secret to member retention isn’t more data—but better use of it?

In this live episode of Banking on Experience, we tackle one of the biggest challenges facing credit unions today: keeping Members engaged in an era of limitless options and vanishing loyalty.

You’ll learn:

• Why 44% of new accounts go inactive within a year—and how to reverse it
• The high cost of fake personalization
• Real-world tactics that combine human connection and AI-powered insights
• How a Detroit Lions-themed CD campaign turned into a member engagement machine
• Why you don’t need a data warehouse to start making data-driven decisions

If you care about member relationships, operational efficiency, or turning data into action—this one’s for you.

Our expert panel brings real-world strategies to the table:

• Brad Shafton, SVP of Digital & IT at Magnifi Financial, shares how his team creates hyper-personalized member experiences that actually drive retention.
• Emily Sutton, Director of Marketing at Community Financial CU, reveals how creativity, community, and data came together to power a wildly successful Lions-themed CD campaign.
• Mitch Rutledge, CEO & Co-founder of Vertice AI, breaks down how to ditch siloed data and start delivering smarter, faster member engagement—without waiting years to unify every system.

These aren’t theorists—they’re operators inside credit unions getting real results. Here’s how they do it.

Tune in and take notes.

Bank of Idaho made headlines with its $245 million acquisition deal with Glacier Bancorp—a bold move at a time when community banks are battling rising regulatory pressure, digital disruption, and funding challenges.

In this episode, Chairman, President & CEO Jeff Newgard shares:

• The key factors that drove the decision to sell

• The toughest leadership challenges during the transition

• How he approached cultural integration between two institutions

• The hard truths every community bank leader must face in today's fast-changing market

Whether you're weighing an acquisition or simply trying to future-proof your financial institution, this episode offers real-world lessons you can’t get from a playbook.

Listen now to hear Jeff’s brutally honest insights about M&A, leadership, and the future of community banking.