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What Clients Have Said
On “The Credit Card Portfolio Evaluation & Recommendation Report”:
Ondine’s background in Credit Unions and credit cards allows her to quickly understand a credit union’s credit card portfolio and provide recommendations to reduce expenses and ensure your card portfolio remains competitive. Her services are extremely easy to use and she provided a very thorough analysis. I highly recommend Ondine’s services for any Credit Union looking to increase the profitability of its credit card program. (2008)
Lori Reiss
Director of Card Services
Baxter Credit Union
Vernon Hills, IL
Assets: $1.3 Billion
Members: 137,000 
 
I recently gave some of your cards to my NCUA examiners. They were impressed with the way I had changed the portfolio with credit cards and I gave all the credit to you. They asked if they might share your contact info with other credit unions and I gladly handed over some of your cards (2008).  
Douglas Adams
CEO
MUNA Federal Credit Union
Meridan, MS
Assets: $20 Million
Members: 4,417 

I highly recommend Ondine Irving and Card Analysis Solutions to any credit union considering a review of their credit card portfolio. She was detailed, thorough, and gave an excellent presentation with a lot of beneficial information. She provided great insight on how to enhance our portfolio and specifically our credit card fee income while at the same time cutting expenses. Ondine has a great passion for the card programs at credit unions and has continued to provide feedback on other issues in our portfolio since performing our analysis. Thanks so much for everything Ondine! (2006)

Erin E. Hamilton
Assistant Vice President- Visa
NASA Federal Credit Union
Upper Marlboro, MD
Assets: $853 Million
Members: 68,467  
 

"The card program review conducted by Card Analysis proved to be invaluable to GECU and our members!  The report format was clear and the numbers were very revealing!  The analysis will allow GECU to develop key strategies and take our card program to its fullest potential. The extensive review and recommendations on card management strategies, marketing aspect, cost savings and revenue–generating opportunities will be critical to the growth of GECU's card program.  We strongly recommend Ondine’s card consulting services to any financial institution motivated and committed to the success of their card program!" (2006)

Hazel LeDesma
E - Services Branch Manager
Greater El Paso Credit Union (GECU)
El Paso, Texas
Assets: $1.2 Billion
Members: 272,483  
 

Thank you SO MUCH! I have never seen my CEO so completely satisfied and in agreement with anyone's presentation before. He likes the new ideas and new ways of looking at things. He is ready to implement every single idea. THANK YOU again. You are fantastic! (2006)

Mary W. Budnick
VP of Operations
Achieve Financial Credit Union
Berlin, Connecticut
Assets: $95 Million
Members: 14,497  
 

Ondine's analysis is extremely thorough and provides a great value for the investment. She reviews all areas of card operations from pricing to vendor billing. We were able to take immediate action to reduce risk and trim expenses as a result of her recommendations (2005).

Andrea Carpenter
VP of Marketing
Lockheed Federal Credit Union
Burbank CA
Assets: $2.2 Billion
Members: 95,281  
 

I was pleased with the detail in the report and the suggestions you gave for changes will pay the salary for our newly created position of Card Administrator. I can tell you are passionate about what you do and it is truly reflected in your work (2005).

Judith Hillock
VP of Lending
Research Federal Credit Union
Warren, MI
Assets: $240 Million
Members: 21,315  
 

I cannot say enough on how you have helped me and my credit union improve our credit card program. I learned about you through the Rex Johnson lending program and took you up on the offer to analyze our existing portfolio for a reasonable fee. You have demonstrated on how our portfolio is performing and how to improve upon it. You clearly presented in your analysis what ratios are in line with the norm and what needs to be addressed in areas that are limiting our growth. You provide a wide range of options to help improve our program. Your consulting is easy to understand and your steps to implement are very helpful.
I would strongly recommend you to anyone who is thinking about improving their portfolio. You acted in a professional manner that gave us tremendous confidence in what our program is currently doing and how we can improve it to reach our overall credit union goals. Thank you for providing us the needed insight to move forward with our program (2005).

 Michael W. Williamson
VP of Lending
UMassFIVE College Federal Credit Union
Hadley, MA
Assets: $222 Million
Members: 22,162   
 

A few months ago our CEO came very close to selling our credit card portfolio, which had become stagnant.  Then we learned about Card Analysis Solutions and decided to get a portfolio evaluation and see if we could salvage the program.  Wow, are we glad we did!  Ondine's report was awesome and her conference call with our top leadership was very informative.  We are implementing her long list of recommendations and are excited about how our portfolio is coming alive again.  Ondine has been so helpful throughout this process.  She is a great resource.  We are thrilled with what Ondine has done for us and we would highly recommend her services to any credit union (2006).

Bill Hollman
Lending Manager
Warren Federal Credit Union
Cheyenne, Wyoming
Assets: $239 Million
Members: 28,000

On “RFP/Conversion Project”:

Ondine worked with us to complete a contract pricing review of multiple credit card processors for our conversion. She was able to take the information from the RFP’s and consolidate this information into an easy to read and understandable format to help us make the best decision for our organization. Ondine’s knowledge, professionalism and in-depth understanding of the industry really helped guide us in this tedious process. Ondine was able to work with us and make us feel like we were her most important clients and is very attentive to what we are trying to accomplish. Since she works for the credit union and NOT a processor, she is completely objective in what she has seen in the industry and completes her analysis and recommendations in the credit unions best interest. We certain come to trust and value Ondine’s insights during this process. Having someone like Ondine in your corner makes a very long and difficult process much easier. She would be a valuable addition to anyone’s credit card processing team. (2008)
James F. Daly, III
AVP Strategic Initiatives
Diamond Credit Union
Pottstown, PA
Assets: $331 Million
Members: 36,800  
 

On Onsite Consulting:

Thank you, Ondine! You are such an upfront and honest person-if it was not you, we probably would have lost our Visa program. With your expertise, we were able to cut costs and at the same time increase our Visa portfolio. Once again, thank you! (2008) 
Lisa Rivera
Operations Supervisor
CSE Federal Credit Union
Canton, OH
Assets: $95 Million
Members: 22,000
 

On “The School of Credit Card Program Management”: Chicago, December 2008:

“This class was an eye opener!”“We always want to ensure we get bang for our buck, and we did!”“Very, very worthwhile conference”“Received 110% value! Called our CEO after first day full of excitement!”“I’ve been in the industry for 20 years and never been offered this type of 360 degree view of the credit card portfolio!”“A great value at a great price. The information can’t be found from anyone in the Credit Union movement!”

On Breakout Session at CUNA Discovery Conference 2006:

Ondine, I've kept your card on my desk and decided to drop you a short not to say thanks for the excellent job you did in the break out session. I really appreciated your sharing and I did take copious notes and share them with our plastics folks as soon as I returned to the office. I know we have made some changes as a result and have saved some money (2006).
 
Recently Retired CEO
San Diego, CA
Assets: $910 Million
Members: 70,000




 
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