#Creditunions your next growth opportunity is with #millennials

first_img 106SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Robert O’Hara Robert O’Hara, vice president of strategic alliances at GrooveCar, is a veteran of the credit union industry having worked as director of lending and operations at a Long Island … Web: www.groovecarinc.com Details Credit unions are in an enviable position to be of service to the largest generation in U.S. history. This group of 80 million strong is estimated to have an annual $200 billion spending habit forecasted to reach over $1 trillion during their lifetime. The buying power is impressive and every business on the planet wants to get in front of them. A good first step is to gain a better understanding of what shaped them during the years of 1980 and 1999.Millennials possess some very interesting views on the world, starting with being full of contradiction and are regarded as digital natives. The U.S. Census Bureau found, “A wired connected world is all that a Millennial has ever known.” Considered very optimistic about the future, they grew up witnessing terrorist attacks, school shootings, hurricane Katrina, impeachment of a president, Enron scandal, Starbucks, and are shaped by helicopter parents, video games and reality TV. As masters of self-expression, 75% of them have social media profiles and their main sources of information according to the U.S. Chamber of Commerce Foundation is through television and the Internet. Up to 80% report they sleep with their cell phones next to the bed. In order to reach this age group, credit unions will need a thorough understanding of what motivates them in order to create a positive member experience.Don’t wait too long. The Millennial is already having its impact on car buying. According to the Los Angeles Times, approximately 35 percent (ages 18-34) intend to purchase a new or used vehicle in the next 12 months, exceeding the national average of 24 percent of all consumers. Mobile commerce will be a huge contributing factor according to Aabaco Small Business, as 41 percent of Millennials complete purchases on their smartphones and up to 86 percent will use multiple mobile devices and a desktop, to car shop. Car sales and leased vehicles are surging, as they move back to the suburbs to get married, purchase homes and raise families.Considered to be one of the most educated generations in American history, 63 percent possess a Bachelor’s Degree, they also have the distinction of having more student loan debt than credit card debt. Despite being cash strapped and slow to adopt credit, according to Money.com leasing accounted for almost 29 percent of all new car purchases by millennials in 2015. One of the main reasons behind this popular choice is leasing provides access to more expensive options. Being able to get a luxury vehicle under $400 a month, when purchased would be over $600, makes leasing an attractive choice for this group who have yet to enter their peak earning years. Technology also factors into leasing’s popularity, driving off in a vehicle with the latest gadgetry, every three years, really appeals to this tech-savvy group.Because of their relationship with technology, influencing them will involve multiple channels, they enjoy social networking and are not shy about sharing their opinions. Some of the most preferred ways of being reached— word-of-mouth and brand building through social channels. Having a presence on social media will be key to reaching this hurried group who like to spend time building relationships with brands and are willing to share their experiences with peers.Credit unions can and should be active in bridging the gap to greet, with open arms, this emerging member to secure future growth. The sooner the better. The average age of the credit union member in the U.S. is 47, in order to grow, that number needs to come down. Millennials make up a third of the nation’s population, studies have shown they are less likely to use conventional banking and prefer instead to use online financial services. This has given rise to their reputation as being “un-banked.” They are also very skeptical of big banks according Forbes, rating the four biggest bank brands among the “least loved.” As a group, they demand authenticity and transparency when it comes to financing, an example of this is the Occupy Wall Street movement in 2011 which credits people in their 20s hitting the streets to protest income disparity and economic inequality.The good news, they are group oriented. Isn’t this what credit unions are all about? Serving groups? It’s time to tap into this energy. The mere definition of a credit union fits the millennial business handbook: a nonprofit-making money cooperative whose members can save or borrow from pooled deposits and loans at competitive rates with no gimmicks. It is imperative to seek out new and forward-thinking ways to welcome Millennials and educate them on why credit unions are a perfect fit when matching their needs and wants. The ability to connect and expand with Millennials as that segment matures is one of the leading factors that will determine which credit unions will expand or cease to exist in 20-30 years. Now is the time to focus on this demographic if you have not done so already. Time’s a wastin’!last_img read more

Indirect used car lending contributed to the failure of Valley State Credit Union

first_imgIt appears that a rapid growth in indirect used car lending played a significant role in the failure of Valley State Credit Union (Saginaw, MI).Valley State Credit Union failed on March 31, 2017.The following graphs provide a visual depiction of rapid growth in used car and indirect lending, the growth in delinquencies in used car and indirect loans, and the subsequent spike in net charge-offs in used car and indirect loans.Between September 2014 and December 2015, used car loans rapidly expanded by almost 236 percent from $2.3 million to almost $7.86 million. continue reading » 13SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img

2007 SUMMIT COVERAGE: CDC chief calls pandemic preparedness a marathon

first_img The 24-hour live exercise—not a tabletop simulation—involved about 1,000 people, with 150 people staffing the CDC operations center. The drill required officials to make decisions about whether to declare a public health emergency, how to explain the difference between an emergency and a pandemic, and whether to change the handling of sick airline passengers—which would have immense effects on the travel industry. “As we struggled with the decisions we had to make, there was not a bone of complacency in anyone’s body,” she said. “We learned why it was so important, why it was hard. . . . It really made the situation real.” The exercise was opened to the news media, in part so that reporters would understand the seriousness of the risk and not become complacent themselves, she added. Feb 6, 2007 (CIDRAP News) – Orlando, FL – Julie Gerberding, MD, director of the Centers for Disease Control and Prevention (CDC), today challenged health and business leaders to stay focused on the “marathon” of preparing for an influenza pandemic. The agency is planning to follow up with another exercise involving both federal agencies and state and local public health, she said. Further, “In May we’ll exercise an even broader group of people in Atlanta, on the premise that the pandemic has arrived in Atlanta and CDC is functioning with a 40% loss of its work force.” To stay on task, leaders need to overcome complacency—their own, if not the public’s. “What we have to do here is accept human nature and reality,” she said. “We’re not going to be able to keep this issue in the news indefinitely, or on everyone’s plate. But . . . it’s our responsibility to keep this issue moving forward so that when people back away from it, we don’t.” For a year or so after the anthrax attacks in the fall of 2001, the hot topic was “anthrax, anthrax, anthrax, anthrax” and terrorism preparedness, she said. “And finally someone said, ‘Let’s change the subject,’ and what did we talk about next? Well, smallpox, smallpox, smallpox, smallpox. We moved from one topic to another without recognizing that we needed an ‘and’ in that sentence.” In discussing the difficulty of maintaining focus on a health threat, Gerberding also recalled other threats that have seized the attention of the CDC and the public in recent years. Flu, in contrast, has a very short incubation period and a high attack rate, and people can transmit the disease before they feel sick, she said. “Think about the reality of trying to quench an influenza outbreak given those numbers and the connectivity of the world. It’s a very, very daunting challenge.” The disease spread internationally after several people became infected while staying on the same floor of a Hong Kong hotel as an infected man from China. Despite the dramatic way it crossed the world, scientists learned that SARS “is really not very transmissible,” Gerberding said. The incubation period and the generation time between cases are long, and the attack rate (how many exposed people become infected) is very low. “We thought it was a tremendously successful exercise,” noted Gerberding. To suggest why the pandemic threat represented by the H5N1 avian influenza virus is taken so seriously, Gerberding recalled how SARS (severe acute respiratory syndrome) put the world on edge in 2003. Preparedness requires careful planning—distasteful as it may be—followed by exercises to test the plans, Gerberding went on to say. Last week the CDC conducted a major exercise that was very instructive, she said. The question for planners, she said, is “How do we run this marathon when we’re living in a society that only wants to sprint?” Gerberding spoke at “Business Preparedness for Pandemic Influenza: Second Annual Summit,” sponsored by the University of Minnesota Center for Infectious Disease Research and Policy, publisher of CIDRAP News. The meeting drew leaders from about 200 companies to Orlando, FL. Gerberding, speaking at a conference on business preparedness, said it’s not possible to maintain high public interest in the pandemic threat indefinitely, but leaders must keep preparing anyway. Gerberding said the CDC has come up with a list of 1,600 tasks under the heading of pandemic preparedness. The recent publication of guidance on community mitigation (nonpharmaceutical) measures was just one of those.last_img read more

Many nursing homes lack pandemic plan

first_imgJul 25, 2008 (CIDRAP News) – A recent survey of nursing homes in two states found that fewer than half had a plan for coping with pandemic influenza, according to a report in this week’s Journal of the American Medical Association.Although nursing homes house vulnerable people and may be called on to take overflow patients from hospitals in a pandemic, the survey of 451 nursing homes in Nebraska and Michigan revealed that only 23% had a specific pandemic plan.Another 26% had included pandemic response in their general disaster response plan, while 52% had no pandemic plan, says the report by Philip W. Smith, MD, of the University of Nebraska Medical Center in Omaha, and colleagues from Nebraska and Michigan.On the other hand, most of the facilities had designated a staff member to oversee pandemic planning, and about half had stockpiled some supplies in preparation for a pandemic.A pandemic planning checklist from the Department of Health Human Services (HHS) advises nursing homes to anticipate requests to accept patients from hospitals that need to make room for seriously ill flu patients. HHS suggests that nursing homes negotiate agreements with hospitals, identify space for extra beds, and notify local and regional planning contacts.”If nursing homes are called upon to serve as alternative care centers for patients who can’t be treated in overcrowded hospitals, the impact on the nursing homes could be vast,” said Smith in a University of Nebraska news release. “While most facilities felt that nursing homes were being counted on to take hospital overflow patients in a pandemic, in reality few homes would be able to do so.”The researchers mailed a questionnaire about pandemic planning to all 656 registered nursing homes in Michigan and Nebraska. Overall, 69% (451) of the facilities responded, including74% (171 of 231) in Nebraska and 66% (280 of 425) in Michigan.Besides the findings mentioned above, the survey showed that:77% of the facilities had named someone to take charge of pandemic planning, most often an infection control professional (45%) or administrator (21%)62% had referred to the HHS pandemic planning checklist for nursing homes50% had stockpiled some supplies, including gloves (38%), alcohol rub (35%), food (18%), and N-95 respirators (11%)46% had given staff members some basic education on pandemics84% had access to laboratory facilities for influenza detection58% had plans to “prioritize staff and residents for vaccine and antiviral distribution”53% had plans to brief family members, visitors, and vendors on pandemic issues6% had conducted a pandemic outbreak exerciseForty-five percent of the nursing homes said they had established communication lines with nearby hospitals, and 53% said they had done the same with state and local public health agencies.More than half of the facilities (57%) said they thought nursing homes would be called on to take extra patients because of full hospitals. In further findings on that subject:37% of the facilities said they could make some beds available38% said they would accept hospital overflow flu patients needing a low level of care58% would accept non-flu patients needing low-level careOnly 4%would accept patients on ventilatorsHHS’s pandemic vaccine allocation guidance, released this week, puts nursing-home healthcare workers in the first tier (priority group) for vaccination. The plan estimates their number at 1.6 million. Other healthcare groups in the first tier are public health workers (300,000), inpatient providers (3.2 million), and outpatient and home healthcare providers (2.5 million).Smith PW, Shostrom V, Smith A, et al. Preparedness for pandemic influenza in nursing homes: a 2-state survey. (Letter) JAMA 2008 Jul 23/30;300(4):392-4 [Extract]See also: Jul 22 University of Nebraska Medical Center news releasehttp://app1.unmc.edu/publicaffairs/newsarchive/view_art.cfm?article_id=1733HHS pandemic planning checklist for long-term care and other residential facilitieshttp://www.flu.gov/professional/hospital/longtermcarechecklist.htmllast_img read more

Arsenal boss Arteta splashes out £20,000 on guard dog

first_img Loading… Promoted ContentThis Guy Photoshopped Himself Into Celeb Pics And It’s HystericalMind-Bending Technology That Was Predicted Before It AppearedTop 10 Most Romantic Nations In The World2020 Tattoo Trends: Here’s What You’ll See This YearWhat Is A Black Hole And Is It Dangerous For Us All?A Guy Turns Gray Walls And Simple Bricks Into Works Of ArtThe Adorable Model For Simba In The Lion King RemakeTop 7 Best Car Manufacturers Of All TimeWho Is The Most Powerful Woman On Earth?Best & Worst Celebrity Endorsed Games Ever MadeBirds Enjoy Living In A Gallery Space Created For Them7 Universities In The World Where Education Costs Too Much Aston Villa captain Jack Grealish also used Chaperone K9 to buy a Belgian Malinois back in May, while reports say that England internationals Jesse Lingard and Aaron Wan-Bissaka have also hired the security hounds. Meanwhile, Everton forward Moise Kean hired two guard dogs, worth £15,000 each, in June due to a spate of thefts in footballers’ homes in the UK. Former Gunners midfielder Jack Wilshere also uses Elite Protection Dogs to help his security Read Also: Roles reversed as Guardiola seeks to follow trail blazed by Zidane Chaperone K9 chief Richard Arnold said earlier this year: ‘Footballers are obviously targeted individuals. ‘They want something that when they go away will keep their family safe. ‘They’re not aggressive animals in the slightest — until called upon.’ FacebookTwitterWhatsAppEmail分享 center_img Arsenal manager Mikel Arteta invested in a large guard dog just before their FA Cup Final win over Chelsea to protect his home from potential intruders. The Spaniard was photographed with a £20,000 Dutch Shepherd provided by Elite Protection Dogs, who provide an ‘exclusive dogs for exclusive people’ service. The Gunners coach moved to London in December after accepting the manager’s role at the north London club, having previously lived in Manchester due to his assistant manager’s role at Manchester City. The Spaniard used Elite Protection Dogs to hire a £20,000 Dutch Shepherd for his home Arteta is the latest big Premier League name to invest in a guard dog to improve security in their homes. Former Arsenal midfielder Jack Wilshere, who now plays for Premier League rivals West Ham United, also uses Elite Protection Dogs, having invested in a new large safety hound two weeks ago. French goalkeeper Hugo Lloris, who captains Arsenal’s north London rivals Tottenham Hotspur, spent £15,000 on a Belgian Shepherd guard dog just weeks after Spurs team-mate Dele Alli was held at knife point by intruders earlier this summer. Manchester United star Paul Pogba also spent a similar fee on a guard dog from specialist protection firm Chaperone K9, who have also provided dogs to Red Devils team-mates Marcus Rashford and Phil Jones.last_img read more

Scudamore under increasing pressure

first_img Stoney said in the Daily Telegraph: “We are trying to get to a world without discrimination and to have somebody in such a high position in football making derogatory comments about females is not acceptable. “How would he feel if these comments were written about his daughters? “It is up to the powers that be whether he stays on but talking about women in such a derogatory way makes his position very difficult. Whether it’s a private email or not, he has written them and he has only apologised because he has been caught.” Brown-Finnis told BBC Sport: “It’s not just about women who are involved in football, it was an insult to all women. “However jokey he was trying to be with that, it’s just totally unacceptable in this day and age. “It’s zero defence for me. Private emails when are you head of the Premier League don’t really exist. “Is a sorry enough? Probably not, but I do think the way to move forward is for the Premier League to follow their protocols just like they would with other employees and I’m sure they have policies which would sanction him appropriately for his misconduct.” Scudamore is also facing increasing pressure on his position after principal sponsor Barclays expressed disappointment to the league over the email exchange with a lawyer friend. The furore over sexist emails sent by Richard Scudamore has intensified with a number of England women internationals calling for action against the Premier League chief executive. Press Association England and Everton goalkeeper Rachel Brown-Finnis said the emails were an “insult to all women” and that Scudamore should be sanctioned, while former England captain Casey Stoney said his position was now “very difficult”. The group Women In Football has written to all 20 Premier League clubs and main sponsors asking for an “independent review” of the league’s practices. Edward Lord, an equality campaigner who is a member of the Football Association’s Inclusion Advisory Board (IAB), has suggested Scudamore’s position is “untenable”. The emails, which have been described by FA chairman Greg Dyke as “totally inappropriate”, referred to women in a derogatory terms, contained sexual innuendoes, and made jokes about “female irrationality”. The league would not comment on Friday on the latest developments but the involvement of Barclays raises the stakes ahead of a meeting of the Premier League’s audit and remuneration committee, chaired by Chelsea chairman Bruce Buck, on Monday to discuss the case, which will also be the subject of a special meeting of the IAB on Tuesday. After the story broke in the Sunday Mirror, Scudamore issued a statement apologising for the emails, which were sent from his Premier League email account and seen by a former temporary PA who leaked them to the newspaper. last_img read more

Faugheen strolls to Champion glory

first_img The seven-year-old took his record to a perfect 10 out of 10 to give Willie Mullins yet another Grade One winner. Ruby Walsh was allowed to dictate matters at his own pace and did not appear to be going much of a gallop until quickening the tempo four from home, after which it was pretty much plain sailing. Faugheen lived up to the hype with a flawless display in the Queally Group Celebrating 35 Years In Naas Punchestown Champion Hurdle. Arctic Fire and Paul Townend tried to close coming out of the back straight, but as soon as Walsh gave Faugheen (1-6 favourite) a squeeze the response was immediate and the race was over, with the winning distance eight lengths. “That was a good performance. Ruby didn’t hang around and kept applying the pressure from the front. It was a gutsy ride,” said Mullins. “On the book he had one horse to beat and that was Arctic Fire. He wasn’t on the bridle at any stage, though, and when he’s not on the bridle you know he’s going some pace. “Arctic Fire is a fair opponent and Ruby wasn’t going to let him into it and use his speed. He was just afraid of Arctic Fire’s speed and piled it on from the front to dampen his fire. “From a mile out he started to apply it and I was wondering if he’d crack from so far out, but he knew what he had underneath him. His jumping is better going faster. Ruby kept asking the questions and at every hurdle he picked up. “He’s done it now in year one and we’ll let him tell us how good he can be. Our Conor looked invincible when he won the Triumph, but fate can go against you. “I believe in him, but he has to stand the test of time. He’s very, very good. We’ll see now if the handicapper puts him past Hurricane Fly.” Walsh added: “As Paul Townend pulled up there, he was making the sound of a jet and that is what Faugheen is. He is incredible.” center_img Press Associationlast_img read more

Canada T20 Niagara Fest returns July 16

first_imgTORONTO, Canada – With the Global T20 Canada unlikely to play this year, several Canadian national players are expected to participate in the Canada T20 Niagara Fest which makes a welcome return on July 16. According to ANI/PRNewswire), cricket-hungry fans across Canada and around the world will witness what is expected to be a spectacular tournament as it bowls off the at Niagara Cricket Centre.Spread over seven days, the T20 tournament will host 12 league matches for six days followed by one qualifier semi-final on July 22. The grand finale will be played on the same day from 13.00 hours. The league matches will be scheduled at 9.30 hours and 13.00 hours on July 16, 17, 18, 19, 20 and 21.Among the icon players slated to be in action are Rizwan Cheema, Bhupindar Singh,Harmandeep Singh,Navneet Dhaliwal, Ravindrapal Singh and Cecil Pervez. Four teams Vancouver Stars, Moncton Heroes, Toronto Tigers, and Niagara Wonders would be participating in the tournament with the winners guaranteed $50 000 (Can).The tournament has been given the green light from the Cricket Council of Ontario and is being organised by Niagara Cricket Club and Virsa Foundation. The objective of the event is to bring cricket back for the fans, boost local talent and the cricket of Canada.The event is one of the most anticipated sports events as it is expected to light the flame of hope and happiness amongst everyone across the world and is seen as a kick-start to sports events that had taken a hit because of the ongoing Coronavirus pandemic.Canada T20 Fest is slated to be the first official big cricket tournament to resume post the lockdown and fans will be given the opportunity to witness Canada T20 Niagara Fest live on One Sports, the channel partner. The print partners for the event are Mid-day and Gujarati Mid-day. (Frederick Halley)last_img read more

Women of Troy defeat Oregon, Oregon State

first_imgIn search of an emotional lift after a tough stretch of hard-fought losses, the USC women’s soccer team scored golden goals in consecutive overtime games this weekend, and return from a road trip to the state of Oregon with two conference victories.Roasted Duck · Freshman midfielder Sydney Sladek provided the deciding goal in a crucial double-overtime win over Oregon on Friday. – Brian Ji | Daily Trojan Freshman midfielder Sydney Sladek slotted home the winner in a 1-0 victory over Oregon (6-8-2, 2-5-1) on Friday, while senior midfielder Alex Quincey did the same in a 2-1 win against Oregon State (0-14-3, 0-7-0) on Sunday.Heading into the weekend, the Women of Troy (10-5-2, 4-4-0 Pac-12) had dropped four of their previous five matchups, all in Pac-12 play. The stretch was especially frustrating because all five games were played at home, and despite amassing 56 combined shots in the four losses, the Women of Troy only found the back of the net once.“We needed to get hungrier, particularly offensively,” head coach Keidane McAlpine said. “Every team in this conference is talented and scouts well, and so we need to do a better job being aggressive and ready to go.”The team rose to the occasion in their Friday matchup against a tough Duck squad. After an intense back-and-forth scoreless regulation period, the two teams went into overtime to determine the outcome of the match. Neither team was able to break through in the first OT period, setting up Sladek for some late-game heroics. In the 104th minute, Sladek struck a beautiful shot from 25 yards out that floated over the head of Ducks goalkeeper Abby Steele into the nylon netting of the goal for the walk-off winner.The golden goal helped the team build some much-needed momentum heading into their second match of the weekend, against the hapless Beavers.“[Oregon] was a fantastic and much-needed win for us,” McAlpine said after the match. “I am very happy with the contribution that every player made tonight.”The Women of Troy were able to do just that in Sunday’s matchup with Oregon State, though it was by no means a clean victory. The Beavers put up a surprisingly solid defense, partially due to a little home-field help: Rain fell throughout the game, creating a very wet and muddy surface out of a field that was already fairly torn up from the OSU men’s soccer team.“The field conditions Sunday were pretty poor,” junior defender Whitney Pitalo said. “It was raining the whole time. Our jerseys and socks were covered in mud by the end of the game.”Much like the weather, the game got off to a bit of a dreary start, as Oregon State broke a 0-0 tie early in the second half with a ricochet goal in the box in the 49th minute from OSU defender Miranda Stiver. The goal was just the third of the season for the winless Beavers.Instead of burying their heads in the mud, however, the Women of Troy responded just four minutes later with an equalizing corner kick header from Pitalo, assisted by junior midfielder Jamie Fink. It was Pitalo’s first goal of the season, and it came at a crucial time for USC.“[Freshman midfielder] Nicole Molen and I are two of the players who are supposed to be in the box looking for headers on corner kicks,” Pitalo said. “We had been struggling a little bit to put away chances this season, so on Sunday, when the chance came to me, I said to myself, ‘This needs to happen.’”Not only was the score a crucial response for the team, but it meant a little something extra for Pitalo, who was named the Pac-12 Defensive Player of the Week for her efforts.“I’m from Oregon,” she said. “For me, it was really exciting to play there and do well in front of my loved ones.”Pitalo’s goal was the last of regulation, and once again, the Women of Troy found themselves facing an overtime situation. With the confidence they gained after Friday’s double-overtime victory, however, they were prepared for the do-or-die atmosphere. In the 96th minute, Quincey buried her team-best 10th goal of the season into the back of the net, securing the victory for USC and sending the Beavers home. The victory brought the team’s Pac-12 Conference record back to even, at 4-4.The Women of Troy now will have the week to prepare for a two-game road trip to Washington this upcoming weekend, where they will face No. 18 Washington on Friday followed by No. 24 Washington State on Sunday. Both games will be huge contests for USC, who will need to perform well in order to keep their playoff aspirations alive. The game Sunday at Washington State will be especially meaningful, as it is a homecoming game for McAlpine and his staff, who left the Cougars’ program at the end of last season to take the job at USC.Though the team still faces a tough path in the weeks ahead, the two road victories should help the Women of Troy to restore a sense of confidence that has been missing in the last few weeks.“Keidane {McAlpine] told us going into this past weekend that when aggression meets aggression, talent will prevail,” Pitalo said. “We are a great team and know we have the talent, so now it comes down to our mentality and being able to match the opposition’s aggression.”last_img read more

Football: Look at Quintez Cephus’ draft stock before NFL Draft

first_imgFollowing a missed full season in 2018, junior wide receiver Quintez Cephus showed up in a major way in 2019, resulting in Cephus’ decision to enter the 2020 NFL Draft in April.Like fellow junior Jonathan Taylor, Cephus exploded out of nowhere after emerging from high school as a three-star recruit, joining the Badgers in 2016.Cephus’ career took off from there as he finished with 30 catches for 501 yards in 2017, both of which were good enough for second on the team behind tight end Troy Fumagalli. Cephus led the team in receiving touchdowns with six across 10 games.Football: Badgers fall flat in second half, lose to The Ohio State University in Big Ten ChampionshipThe No. 8 University of Wisconsin football team (10-3, 7-3 Big Ten) lost 34–21 against No. 1 The Ohio State Read…After missing the entire 2018 season, Cephus returned for the 2019 season and didn’t miss a beat, emerging as the team’s go-to target in the passing game.Cephus led the team in nearly every receiving category, including receptions (59), yards (901), receiving yards per reception (15.3) and receiving touchdowns (7) as he played in all 14 games.Cephus also played his best in big games against the Ohio State University in the Big Ten Championship (seven receptions for 122 yards) and Minnesota in the last game of the regular season (five receptions for 114 yards and a touchdown). He ended his Wisconsin career with seven catches for 59 yards and a touchdown against Oregon in the Rose Bowl.Head Coach Paul Chryst also credited Cephus for being a great teammate during his time with the Badgers.“He’s selfless. I think he’s an unbelievable teammate because one, he truly cares about the guys, each individual,” Chryst said in an interview with the Wisconsin State Journal. “He’ll do anything for them, he’s open to them, he’s got enough awareness that he kind of sees when someone’s working through something. He’s got a spirit about him. He’s got an infectious personality. He will find the good in people. When you get on the field, he loves playing the game and appreciates that opportunity to play the game and I think that’s infectious.”While Cephus proved doubters wrong at Wisconsin, the question now is whether or not his success will translate to the next level as an NFL wide receiver.Football: Return of Cephus brings vitality to Badger air attackBefore the 2019 season began, Badger fans knew little of what they could expect from newly reinstated junior wide receiver Read…Let’s take a look at Cephus’ draft stock with the NFL Scouting Combine and NFL Draft quickly approaching.As you can see from the above stats, Quintez Cephus performed at a high-level during his junior season at Wisconsin. But, many scouts are concerned that his playmaking ability isn’t there and he won’t be dynamic enough to perform consistently at the NFL level.While scouts have every right to be concerned about Cephus’ abilities, some of the worries associated with Cephus’ play can be attributed to shaky, inconsistent performances from Wisconsin’s quarterbacks in Alex Hornibrook (2017) and Jack Coan (2019).Paired up with an NFL-level quarterback, Cephus could be a great fit for teams in need of receiving help in the league.Football: Badgers dismantle Minnesota, win Big Ten WestThe No. 12 University of Wisconsin football team (10-2, 7-2 Big Ten) defeated the No. 8 Minnesota Golden Gophers (10-2, Read…If Cephus wants to make good on his potential, he will also need to work on improving his ability to run crisp routes, as he isn’t what you could consider a receiver with elite speed compared to many NFL counterparts.As an average-sized receiver measuring in at 6 feet 1 inch tall and 207 pounds, Cephus might need to beef up in the gym before the draft as most physically dominant wide receivers in the NFL today weigh 10 to 15 pounds more than Cephus.While Cephus’ on-field abilities come into question among NFL draft scouts, so do potential off-field character issues.Cephus missed all of the 2018 season due to two sexual assault charges raised against him at UW, both of which he was ultimately acquitted of. Despite this, Cephus has not had any other off-field issues — legal or otherwise — during his time at Wisconsin.Still, Cephus will certainly be questioned about the incident during meetings with NFL scouts during the NFL Combine and Wisconsin’s Pro Day, and it will likely have an impact on his draft stock as well.Football: Look at Jonathan Taylor’s draft stock before NFL DraftRunning back Jonathan Taylor has been a crucial piece of Wisconsin’s offense for the past three seasons, making the decision Read…Right now, most mock drafts from around the sports world have Cephus as a Day 3 (rounds 4-7) pick, with a few drafts even listing Cephus as an undrafted free agent following the conclusion of the draft.With a strong performance at the NFL Combine (Feb. 23 through March 2) and Wisconsin’s Pro Day (likely at some point in March), Cephus could easily find himself as a middle-round pick going to a team looking for a No. 2 or No. 3 option in the passing game.Keep an eye on Cephus as the NFL Draft approaches, as he just might surprise everyone and compete with decent speed (4.5 second 40-yard dash time according to the Wisconsin State Journal) and great hands during his prove-it opportunities in February and March.NFL Draft Projection: 5th-6th Roundlast_img read more