1. South Tyneside Credit Union

2. Accessing Affordable Credit – Pushing the Boundaries

3. South Tyneside Credit Union Where we are now Where we want to be How do we get there?

4. South Tyneside Credit Union Where we are now Savings were falling Difficult to attract new members Difficult to obtain grant funding

5. South Tyneside Credit Union Where we are now Savings were falling Difficult to attract new members Difficult to obtain grant funding Appears to be old fashioned

6. South Tyneside Credit Union Where we are now Savings were falling Difficult to attract new members Difficult to obtain grant funding Appears to be old fashioned Lack of direction

7. South Tyneside Credit Union Where we want to be

8. South Tyneside Credit Union Where we want to be Membership of 10,000

9. South Tyneside Credit Union Where we want to be Membership of 10,000 Competition to HCC and loan sharks

10. South Tyneside Credit Union Where we want to be Membership of 10,000 Competition to HCC and loan sharks Brand easily recognised

11. South Tyneside Credit Union Where we want to be Membership of 10,000 Competition to HCC and loan sharks Brand easily recognised Loan book exceeding £1m

12. South Tyneside Credit Union Where we want to be Membership of 10,000 Competition to HCC and loan sharks Brand easily recognised Loan book exceeding £1m More staff and volunteers

13. South Tyneside Credit Union How do we get there?

14. South Tyneside Credit Union How do we get there? Working with our partners: -

15. South Tyneside Credit Union How do we get there? Working with our partners: - Northern Rock Bank

16. South Tyneside Credit Union How do we get there? Working with our partners: - Northern Rock Bank South Tyneside Council

17. South Tyneside Credit Union How do we get there? Working with our partners: - Northern Rock Bank South Tyneside Council South Tyneside Homes

18. South Tyneside Credit Union How do we get there? Working with our partners: - Northern Rock Bank South Tyneside Council South Tyneside Homes CAB

19. South Tyneside Credit Union How do we get there? Working with our partners: - Northern Rock Bank South Tyneside Council South Tyneside Homes CAB Welfare Rights

20. South Tyneside Credit Union How do we get there? Working with our partners: - Northern Rock Bank South Tyneside Council South Tyneside Homes CAB Welfare Rights Department for Work and Pensions

21. South Tyneside Credit Union Department for Work and Pensions Growth Fund Project Allowing credit unions to provide instant loans Difficult to manage contract initially Providing capital and revenue funding Assisting a greater number of people Increase risk of bad debts

22. South Tyneside Credit Union How do we get there? Working with staff and volunteers: -

23. South Tyneside Credit Union How do we get there? Working with staff and volunteers: - Keeping them informed

24. South Tyneside Credit Union How do we get there? Working with staff and volunteers: - Keeping them informed Give them the opportunity to suggest changes

25. South Tyneside Credit Union How do we get there? Working with staff and volunteers: - Keeping them informed Give them the opportunity to suggest changes Volunteer training

26. South Tyneside Credit Union How do we get there? Working with staff and volunteers: - Keeping them informed Give them the opportunity to suggest changes Volunteer training Volunteer recruitment

27. South Tyneside Credit Union How do we get there? Treat the credit union as a business: -

28. South Tyneside Credit Union How do we get there? Treat the credit union as a business: - The phrase, “but that is how it has always been done” is banned!!

29. South Tyneside Credit Union How do we get there? Treat the credit union as a business: - The phrase, “but that is how it has always been done” is banned!! Prepare 3 year forecasts

30. South Tyneside Credit Union How do we get there? Treat the credit union as a business: - The phrase, “but that is how it has always been done” is banned!! Prepare 3 year forecasts Prepare weekly and monthly accounts

31. South Tyneside Credit Union How do we get there? Treat the credit union as a business: - The phrase, “but that is how it has always been done” is banned!! Prepare 3 year forecasts Prepare weekly and monthly accounts Review costs and close inefficient collection points

32. South Tyneside Credit Union How do we get there? New name, image and brand: -

33. South Tyneside Credit Union How do we get there? New name, image and brand: - To become more noticeable

34. South Tyneside Credit Union How do we get there? New name, image and brand: - To become more noticeable To become more professional looking

35. South Tyneside Credit Union How do we get there? New name, image and brand: - To become more noticeable To become more professional looking To help kick start business

36. South Tyneside Credit Union How do we get there? New name, image and brand: - To become more noticeable To become more professional looking To help kick start business Seek help and advice from professional organisations

37. South Tyneside Credit Union Change of Name

38. South Tyneside Credit Union Change of Name Thrift

39. South Tyneside Credit Union Change of Name Thrift North East

40. South Tyneside Credit Union Change of Name Thrift North East United

41. South Tyneside Credit Union Change of Name Thrift North East United Red Box

42. South Tyneside Credit Union Change of Name Thrift North East United Red Box Another

43. South Tyneside Credit Union Replacing “Credit Union” with “Community Bank”

44. South Tyneside Credit Union Change of colour

45. “Thrift” Community Bank

46. “North East” Community Bank

47. “United” Community Bank

48. “Red Box” Community Bank

49. “Another” Community Bank

50. New Image

51. New Name

52. New Image New Name New Beginning