About Us
The market for our services: Our target market continues to be locally owned community based financial institutions with a strong commitment and involvement in the communities they do business in. Our target clients are generally above peer group in profitability and efficiency. We have been successful working at the CEO level and building consensus and buy-in at all levels within the client bank – The difference is truly in the details and the willingness of the consultant to put the clients best interest first.
Our Beginning: With a number of years of experience in consumer finance, banking and data processing, in 1991, Jim Myers joined fellow alumni from the Kirchman Corporation offering operational efficiency reviews and feasibility studies to larger community banks and data processing service centers primarily in the Northeast United States. From this experience, Jim and a partner developed a limited scope profit review for community banks as a service of several Bankers Banks; and over the six year period he and his partner worked together, they added other services including contract negotiation.
Jim had observed the practices of many consultants over a number of years and became concerned when the client was left on their own to complete a project – or in some cases were charged extra fees for the consultant to see the project through to implementation.
During this time, Jim studied the different scopes and deliverables of both “product to sell” consultants and ‘service” consultants and was amazed at the lack of uniformity of quality of the deliverables and a wide variance in the amount of fees and expenses charged by one consultant or another for basically the same deliverable.
From this, Jim saw an opportunity to offer a more comprehensive service and include implementation guidance and training at no additional fee. In addition, Jim wanted to build a long-term relationship to stay with a client as they grow and times and circumstances change.
To accomplish this and to personally control the process, Jim decided to form his own professional consulting practice in January 1998. The firm was titled Myers Company USA that was quickly changed to MCoUSA (Pronounced: ”MaKuSa”),
Now in the 13th year of MCoUSA and in his 19th year as a consultant, with many clients over the years that have used Jim’s services multiple times, the proof of the commitment to “Client’s Best Interests First” has paid multiple dividends and built strong friendships along the way. That commitment carries forward to MCoUSA principals assigned to personally lead each project. We still believe in “hands-on” consulting; growing our practice one project - one client at a time.
Have you asked yourself these questions:
1. Does your bank want to be able to offer common-sense products and services your customers need, and may not be able to get from a "big" bank, and do so in a consistent and profitable way?
2. Do you need retained earnings to build Capital?
3. Do you have Capital that is being under-utilized?
4. Are you planning ahead for Contract Renewals by developing a master plan 2-5 years in advance?
5. Are you consistently applying bank policies and practices to all customers?
6. Have you engaged or are you currently considering engaging MCoUSA?
7. Can you and have you accepted change by bringing these questions up?
CHANGE IS GOOD!
IT ALL ADDS UP TO MAXIMIXED RETURN ON EQUITY (ROE)!
