About CU Logics
Practical automation for credit unions
CU Logics helps credit unions reduce manual work, modernize operational processes, and get more value from the technology they already have.
My focus is practical: finding work that employees should not have to do manually, figuring out a better way to do it, and building the solution.
That might mean automating a recurring report, replacing a spreadsheet-driven process, moving information between systems, creating a SharePoint workflow, building a lightweight internal tool, or identifying an appropriate use for AI.
The technology changes from project to project.
The goal does not:
Make the work simpler, more reliable, and less dependent on repetitive manual effort.
About Ricky Spears
I’m Ricky Spears, founder and principal consultant at CU Logics.
I am a technology consultant specializing in credit-union operational automation, SharePoint, Microsoft 365, and systems integration.
I have spent years working directly inside credit-union environments, not just advising from the outside. Much of my work begins with an operational problem:
- Employees are repeating the same steps every day.
- Information has to be manually moved from one system to another.
- Reports need to be downloaded, processed, and distributed.
- A critical process has grown around spreadsheets and email.
- An idea for improvement keeps getting pushed aside because IT has more urgent priorities.
I enjoy getting into those processes, understanding how they really work, and figuring out what can be made better.
And then I like to build it.
The kind of work I do
My projects have included:
- Automating recurring report delivery from Fiserv Reporting Analytics / IBM Cognos into SharePoint
- Building an automated New Member Quality Assurance process
- Developing an internal document viewer
- Automating bulk retrieval of check images
- Automating payroll exception entry into a core processing system
- Building SharePoint-based workflows and operational tools
- Automating file movement, processing, and recurring administrative tasks
One reporting automation project began with a single process and eventually expanded to automatically handle roughly 40 recurring daily, weekly, and monthly reports.
My experience includes technologies such as:
- Fiserv Portico
- Fiserv Loancierge
- Fiserv Reporting Analytics
- IBM Cognos Analytics
- Microsoft SharePoint
- Microsoft 365
- Microsoft Teams
- Microsoft Exchange
- Power Automate
- PowerShell
- APIs and custom integrations
But I do not start with the technology.
I start with the work.
Why credit unions?
Smaller and midsize credit unions often have an interesting technology problem.
They have enough operational complexity to create a long list of automation opportunities, but they may not have enough automation work to justify hiring a dedicated developer or automation specialist.
Meanwhile, internal IT teams are often busy with infrastructure, security, vendor management, support, conversions, and larger strategic initiatives.
That leaves worthwhile operational improvements sitting on the list for months or years.
CU Logics exists to help fill that gap.
I can step in for a specific project, help identify the best places to begin, or work as an ongoing fractional automation resource.
Where AI fits
AI is increasingly useful, but I do not believe every problem needs an AI solution.
Sometimes the right answer is Power Automate.
Sometimes it is a PowerShell script.
Sometimes it is SharePoint, an API integration, a small custom application, or simply redesigning the process.
And sometimes AI really is the right tool.
I help credit unions approach AI the same way I approach other technology: identify a real operational problem first, then determine whether the technology provides practical value while respecting security, privacy, governance, and appropriate human oversight.
How I work
I believe technology should reduce friction rather than create more of it.
I prefer practical, incremental improvements over large transformations that take years to deliver value.
I also believe the people who actually perform a process usually know where its problems are. Good automation starts by listening to them.
My role may include strategy and advice, but I am happiest when the work leads to something tangible:
a process that takes less time, produces fewer errors, is easier to manage, or no longer requires an employee to perform the same unnecessary steps over and over again.
That is what CU Logics is about.