While the costs of health care and employee benefits are rising, investment returns are stagnant or in decline. As the gap widens between benefits expenses and portfolio returns for credit unions, it is time to reconsider funding those benefits from operating income. With CourseMark, your credit union can prefund employee benefits to realize a new revenue stream, offset benefit program expenses, offer more comprehensive benefits packages, expand investment options and improve the bottom line. We are advisors with credit union expertise and firsthand knowledge about your business model. We have leveraged that expertise to develop a unique selection of investment products and solutions that are cost-effective, transparent, risk-averse, and precisely tailored to credit unions. We offer custom investment solutions for a benefits prefunding approach designed to enhance your credit union’s bottom line. Our innovative program creates a new revenue stream for your credit union’s equity owners via CUSO-ownership dividends.