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Education

More Than a Head Start

Architects rendering of the $14 million Educare Center now under construction in Springfield.

Architects rendering of the $14 million Educare Center now under construction in Springfield.

The new $14 million Educare Center now under construction in Springfield is focused on education, obviously, but parental involvement and workforce development are key focal points within its broad mission.

Mary Walachy calls it “Head Start on steroids.”

It’s a term she has called upon often, actually, when speaking to individuals and groups about Educare, an innovative model for high-quality early education that’s coming to Springfield next year — only the 24th such center in the country, in fact.

“You have to work with a Head Start partner. That’s a requirement in every Educare site across the country,” said Walachy, executive director of the Irene E. & George A. Davis Foundation, one of the lead partners in the effort to launch the local Educare school. “The base program meets the Head Start national requirements. But then there’s a layer of extensive higher quality. Instead of two adult teachers in the classroom, there needs to be three. Instead of a six-hour day, there needs to be eight or 10. There are higher ratios of family liaisons to families.”

Then there are the elements that Educare centers have really honed in on nationwide: Parental involvement and workforce development — and the many ways those two concepts work together.

“The research is clear — if kids get a good start, if they have a quality preschool, if they arrive at school really ready to be successful and with the skills and language development they need, they can really be quite successful,” Walachy said. “However, at the same time, it’s extremely important they go home to a strong family. One is still good, but both together are a home run.”

The takeaway? Early-education programs must engage parents in their children’s learning, which is a central tenet to Educare. But the second reality is that families often need assistance in other ways — particularly Head Start-eligible families, who tend to be in the lower economic tier.

“We must assist them to begin the trajectory toward financial security,” Walachy said, and Holyoke Chicopee Springfield (HCS) Head Start has long done this by recruiting and training parents, in a collaborative effort with Holyoke Community College, to become classroom assistants, who often move up to become teachers. In fact, some 40% to 50% of teachers in HCS Head Start are former Head Start mothers.

“So they already have a model, but after we get up and running, we want to put that on a bit of a steroid as well,” she noted. That means working with the Federal Reserve’s Working Cities program, in partnership with the Economic Development Council of Western Mass., to steer Head Start and Educare families onto a pathway to better employment opportunities. “It’s getting on a trajectory for employment and then, we hope, financial security and success for themselves and their families.”

“The research is clear — if kids get a good start, if they have a quality preschool, if they arrive at school really ready to be successful and with the skills and language development they need, they can really be quite successful. However, at the same time, it’s extremely important they go home to a strong family. One is still good, but both together are a home run.”

She noted that early education evolved decades ago as a workforce-support program, offering child care so families could go to work or go to school. “We’ve shifted in some ways — people started saying, ‘wait a minute, this isn’t just child care, this is education. We are really putting them on a pathway.’ But now we’ve got to circle back and do both. Head Start was always an anti-poverty program. More recently, it’s really started focusing on employment and financial security for families.”

By making that dual commitment to parent engagement and workforce training, she noted, the organizations supporting the Educare project in Springfield are making a commitment to economic development that lifts families — and, by extension, communities. And that makes this much more than a school.

Alone in Massachusetts

The 24th Educare school in the U.S. will be the only one in Massachusetts, and only the second in New England, when it opens next fall at 100 Hickory St., adjacent to Brookings School, on land provided by Springfield College.

The $14 million project was designed by RDg Planning & Design and is being built by Western Builders, with project management by O’Connell Development Group.

Mary Walachy

Mary Walachy says that while it’s important to educate young children, it’s equally important that they go home to strong families.

Educare started with one school in Chicago and has evolved into a national learning network of schools serving thousands of children across the country. An early-education model designed to help narrow the achievement gap for children living in poverty, Educare Springfield is being funded locally by a variety of local, state, and national sources including the Davis Foundation, the Gage Olmstead Fund and Albert Steiger Memorial Fund at the Community Foundation of Western Massachusetts, the MassMutual Foundation, Berkshire Bank, MassDevelopment, the MassWorks Infrastructure Program at the Massachusetts Executive Office of Housing and Economic Development, the George Kaiser Family Foundation, Florence Bank, Capital One Commercial Banking, and the Early Education and Out of School Time Capital Grant Fund through the Massachusetts Department of Early Education and Care in collaboration with the Community Economic Development Assistance Corp. and its affiliate, the Children’s Investment Fund. A number of anonymous donors have also contributed significant funding.

Educare Springfield will offer a full-day, full-year program for up to 141 children from birth to age 5, under licensure by the Department of Early Education and Care. The center will also serve as a resource in the early-education community for training and providing professional development for future teachers, social workers, evaluation, and research.

Just from the education perspective, the local need is certainly there. Three years ago, the Springfield Public Schools Kindergarten Reading Assessment scores revealed that preschool children from the Six Corners and Old Hill neighborhoods scored the lowest among city neighborhoods for kindergarten reading readiness, at 1.1% and 3%, respectively. On a broader city scale, the fall 2017 scores showed that only 7% of all city children met all five benchmarks of kindergarten reading readiness.

Research, as Walachy noted, has proven time and again that kids who aren’t kindergarten-ready are at great risk of falling further behind their peers, and these same children, if they’re not reading proficiently by the end of third grade, are significantly less likely to graduate high school, attend college, or find employment that earns them a living wage.

Breaking that cycle means engaging children and their parents — and it’s an effort that could make a multi-generational impact.

Come Together

That potential is certainly gratifying for Walachy and the other partners.

“I think we’re really fortunate that Springfield got this opportunity to bring in this nationally recognized, quality early-childhood program,” she said, adding that the Davis Foundation has been involved from the start. “There has to be a philanthropic lead partner in order to begin to explore Educare because it does require fundraising, and if you don’t have somebody already at the table, it makes it really hard to get anybody else to join the table.”

The board of Educare Springfield, which is a 501(c)(3) nonprofit, will hold Head Start accountable for executing the expanded Educare model. Educare Springfield is also tackling enhanced programs, fundraising, and policy and advocacy work associated with the model. A $7 million endowment is also being developed, to be administered by the Community Foundation of Western Massachusetts, revenue from which will support operating costs.

“We did not want to develop a building that we could then not pay to operate,” Walachy noted, adding that Head Start’s federal dollars will play a significant role as well. “We want to develop a program kids in Springfield deserve. They deserve the best, and we think this is one of the best, and one this community can support.

“No one argues that kids should have a good experience, and that they begin learning at birth,” she went on. “But nothing good is cheap. And I will tell you that Educare isn’t cheap. But it sends a policy message that you’ve got to pay for good programs if you want good outcomes.”

Joseph Bednar can be reached at [email protected]

Education

Culture Shock

Emily Rabinsky guides two HCC students in a lab project.

Emily Rabinsky guides two HCC students in a lab project.

As she walked BusinessWest through one of the brand-new labs in Holyoke Community College’s Center for Life Sciences, Professor Emily Rabinsky said there’s plenty for students to appreciate.

“Our old lab space was very outdated and not very conducive to learning,” said Rabinsky, who coordinates the Biotechnology program at HCC. “There were two long bays with a tall shelf in between that made it very difficult for the students to see what the lecturer was referring to, and the equipment was very outdated.”

Not so today.

“At our recent open house, some students happened to walk by, peeked in, and said, ‘wow, this is amazing,’” she said. “I think this facility could rival many of the four-year colleges.”

Take, for example, the only certified cleanroom at any Massachusetts community college, and one of very few at any college or university in Western Mass.

Once it’s fully operational, the cleanroom will have a certification rating of ISO 8, which means air quality of no more than 100,000 particles per cubic foot. Inside the cleanroom, there will be a hooded biosafety cabinet where the sterility will increase to ISO 7, or no more than 10,000 particles per cubic foot.

“It’s pretty unique at the community-college level,” Rabinsky told BusinessWest. “It’s something commonly used in many of the life-science research areas. Students will learn how to minimize contamination and keep the space sterile for any kinds of cells they’re working with.”

Take, for example, a class she’s currently developing called “Cell Culture and Protein Purification,” which will make copious use of the cleanroom.

“We’ll be training students in the cell-culture class in how to maintain mammalian cell cultures, because they can be easily contaminated with bacteria or other microbes that are in the air,” she explained. “Mammalian cell cultures are commonly used in any kind of research studying cancer, or studying new drug therapies, so it’s a good skill to know.”

The cleanroom will also be utilized as a training facility for area professionals — for instance, in how to monitor the air for microbial content, commonly known as particle count.

“In a cleanroom, there should be fewer particles in the air because we have a special kind of filtration. So it has to constantly be monitored and verified,” she said. “Any cleanroom at UMass or any kind of industry has that monitoring done for them, so if someone wants to go into that kind of field, they could get that training here.”

So, while students are being trained in laboratory settings similar to what they will experience in industry, making them more competitive for the biotech job market, Rabinsky said, HCC serves a local workforce-development mission by training non-students as well.

“A lot of these local biotech companies that do this kind of work, they find it can be very costly for them to train new employees at their facility, and at the same time, they’re risking contaminating their facilities with these new workers that are just learning the technique, so why not do it here where it’s not such a high risk?”

On the Cutting Edge

HCC recently staged a grand-opening ceremony for the 13,000-square-foot, $4.55 million Center for Life Sciences, located on the lower level of HCC’s Marieb Building. The Massachusetts Life Sciences Center awarded HCC a $3.8 million grant for the project, which was supplemented by $750,000 from the HCC Foundation’s Building Healthy Communities Campaign, which also paid for the construction of the college’s new Center for Health Education on Jarvis Avenue in Holyoke.

“Those grants outfitted the biotechnology program but also all of the programs that fit in around it, including microbiology, general biology, and genetics,” Rabinsky said, noting that the new space includes two labs, the cleanroom, a prep room, and a lecture area.

Grant funds and donations also paid for new equipment, including a high-end, research-grade fluorescent microscope, like those used in the pharmaceutical industry; a micro volume spectrophotometer, used to measure small amounts of genetic material; and an electroporator, for genetic engineering. Meanwhile, a cutting-edge thermocycler can take a small sample of DNA and make billions of copies in an hour.

About half of Rabinsky’s students are interested in going into biotechnology, with most of those specifically interested in medical biotechnology and pharmaceuticals, as well as medical devices, an industry with strong roots in Western Mass. and the Boston area.

“I also have students who are just interested in the life sciences, interested in research, and just want to be exposed to all the different areas of biotechnology,” she went on. “A lot of these skills can be applied to many different fields. They may be interested in going into genetics, for example. I would say one of the challenges is drawing in the kids in who may not have thought about biotechnology or biology.”

To that end, in her introductory biotechnology course, she incorporates activities that students can relate to their everyday lives.

“Last week, we did a fun lab where he tested for the presence of genetic modification in things like cheese fries and Cheetos,” she explained. “Food producers aren’t required to list the presence of GMOs unless it’s above a certain percentage. So they’ll grind it up, extract the DNA, and test for the presence of GMOs. That was fun — they could have a hands-on experience and test for something that is very commonplace that we’re all aware of.”

Important Evolution

Rabinsky admitted some might not see the new center as a necessity since HCC already had a functioning facility upstairs, but said it was important to keep the college on the cutting edge and attract more students to give the life sciences a look.

“This makes them excited about the field, and it’s more a conducive space for learning, with these small tables that make working in groups much easier. Then we have newer technologies and new equipment to train students on, which are very similar to what they’ll in the field.”

Of course, it all starts with the instruction, and on that front, Rabinsky said the Center for Life Sciences will continue to prepare students to enter what is certainly a growing field from a jobs perspective.

“I’ve had students that have gone on to UMass and said that they learned things here they haven’t learned there, and that our equipment properly prepared them for graduate research,” she said. “That’s really nice to hear.”

Joseph Bednar can be reached at [email protected]

Opinion

Editorial

Sept. 17 was a huge day for Springfield and this region. It was, as they say, a ground-breaking moment, both literally and figuratively.

As for the literal part of that equation, ground was broken for the $14 million Educare early education school to be constructed adjacent to the Brookings School, on land provided by Springfield College, and operated by Holyoke, Chicopee Springfield Head Start. This is the 24th Educare School to be built in the United States and the only one in Massachsetts. This was a typical ground-breaking ceremony with a host of local and state leaders, including Lt. Gov. Karen Polito.

As for the figurative part, this development is potentially ground-breaking on a number of levels. Educare represents what is truly cutting edge when it comes to practices in early education, and Educare Springfield represents an enormous opportunity for city residents to help break the cycle of poverty that has existed for decades.

Educare, which represents a national collaboration between the Buffett Early Childhood Fund, Ounce of Prevention Fund, and hundreds of other public-private partners across the country, offers an early education model designed to help narrow the achievement gap for children living in poverty. This model, which involves a full-day, full-year program for up to 141 children from birth to age five, incorporates embedded and ongoing professional development of teachers, intensive family engagement, and high-quality teaching practices, and utilizes data to advance outcomes for students in the program.

In other words it focuses on all three of the critical elements involved on the early-education process: Children, their families, and their educators. And all are equally important.

The students? Their participation in this program is obvious. Study after study has shown the importance of early education in setting young children on a course for life-long learning and providing them a far better chance to stay on that course. The year-long, all-day model translates into a more comprehensive — and more impactful — learning experience.

As for families, they are also an integral part of the early education process. Parents must become invested in the process and in their child’s education, and the Educare model ensures that this is the case.

And the educators? They are often the forgotten piece in this equation. Historically underpaid and seemingly underappreciated, early education teachers have a vital role in putting young children on a path to life-long learning. Ongoing professional development is an important component in this process.

Irene E. and George A. Davis Foundation, a long-time supporter and advocates for early education, played a lead role in making the Educare center a reality. But there were many other supporters as well, including the the Gage Olmstead Fund and Albert Steiger Memorial Fund at the Community Foundation of Western Massachusetts; the MassMutual Foundation; Berkshire Bank; MassDevelopment; MassWorks Infrastructure Program at the Massachusetts Executive Office of Housing and Economic Development; the Early Education and Out of School Time Capital Grant Fund through the Massachusetts Department of Early Education and Care in collaboration with the Community Economic Development Assistance Corporation (CEDAC) and their affiliate, the Children’s Investment Fund; the George Kaiser Family Foundation; Florence Bank; Capital One Commercial Banking; and anonymous donors.

All these businesses and agencies understand the importance of early education, not only to the children and to the families, but to the city of Springfield and the entire region. As we’ve said on many occasions, early education is an education issue, but it is also an economic development issue.

And that’s why this is a ground-breaking development for this area, in all kinds of ways.

Education Sections

Art of the Matter

Gabriela Micchia with the multiplication charts created by Holyoke fourth-graders.

Gabriela Micchia with the multiplication charts created by Holyoke fourth-graders.

Forty-two years ago, Enchanted Circle Theater was born as, true to its name, a touring theater company, but its interactions in school classrooms led to a dramatic evolution of its mission. Today, the nonprofit — which works not only in theater arts, but with a whole host of creative endeavors — partners with schools and other organizations on a concept known as arts integration, which uses creativity to make education more impactful — and more fun.

As Gabriela Micchia unfolded a series of multiplication tables in the form of brightly hand-colored diagrams, she explained how they’re much more than mere teaching tools.

“They use these almost like multiplication flash cards,” she said of the Morgan School fourth-graders who created them, pointing out how the numbers connect in straight lines to create a times table for the central digit. “I just made the dots, and they connected the dots, and we talked about how to put the triangles together.”

It’s undoubtedly a more entertaining way to learn math facts than simple recitation. But the real magic happened later, when the students visited another fourth-grade class and excitedly explained how to create the charts and use them to play a math game, said Micchia, a teaching artist with Enchanted Circle Theater in Holyoke. In short, the kids became the teachers.

“It goes back to the idea of the pride they have in the knowledge they gain,” Micchia said. “As much information as they retain from an adult showing them what to do, I think sometimes it’s easier for them to understand it from another student. They see each other doing it.”

That’s a typical story for Enchanted Circle Theater, a 42-year-old, Holyoke-based nonprofit that partners with schools and other organizations to educate through the creative arts.

“It’s an immersion into creative and critical thinking around math concepts,” said Priscilla Kane Hellweg, the long-time executive artistic director. “We hear students telling their friends what they’re working on, and they care about what they’ve created because it’s their creative process. It’s a sense of ownership, so seeing their work, being able to walk by it in the hallway and share it with others, there’s a pride in accomplishment, and a sense of joy.”

It’s a model applicable not just to math, but to all school subjects — with a focus at all times on English-language communication skills.

There’s something about that moment of magic that happens between the audience and the performer during a live performance — there’s this alchemy that happens. And I wanted to follow up on that; I wanted more contact.”

For example, Hellweg said, “we do a lot of work in social studies, where our students will research and write and then perform an original play on the Trail of Tears or immigration or the Civil War or … well, I can give you 42 years worth of content.”

Science is a big focus as well, she added, citing a program for Holyoke fifth-graders called “Where Does Your Water Go?”

“They studied the water cycle, from falling down from the sky into a sewage system into our river right down the street,” she explained. “And then we turned it into an environmental advocacy program, where the students decided what they wanted people to stop and think about, and the impact that humans have on the environment and water.”

The kids then drew pictures — such as a fish swimming amid garbage, or a mallard whose feet are entangled in a plastic six-pack ring — and accompanying slogans, which were then turned into storm-drain art at eight downtown locations. “They created awareness of the water cycle and our role in keeping our world clean.”

Enchanted Circle has, from its beginning, been a working theater, but it has long embraced artistic endeavors of every kind — dance, music, visual arts, literature, even culinary arts — as teaching tools.

“We specialize in what’s called arts integration,” Hellweg said. “And there are three basic components to it. First, it’s about academic understanding — unpacking knowledge and learning concepts and deep critical thinking. The second channel is social-emotional learning and communication and collaboration and all those 21st-century learning skills that prepare us to be engaged in the world.”

The third element, quite simply, is artistry and creativity and examining the world through the filter of creative expression. “We work with people of all ages and all abilities, and it’s about inspiring and engaging and enhancing learning. It’s about connecting people to each other, people to information, people to the world around them, and people to themselves.”

Moment of Magic

Enchanted Circle was launched in 1976 as a touring theater company, but one that had a foothold in education from early on.

“We were traveling to schools, to museums, to fairs, to libraries, bringing folk tales from around the world to life,” Hellweg said. “I’ve been here for 38 of our 42 years, and I love the performing. There’s something about that moment of magic that happens between the audience and the performer during a live performance — there’s this alchemy that happens. And I wanted to follow up on that; I wanted more contact.”

Patricia Kane Hellweg says students who learn through hands-on arts integration retain concepts more effectively because they have more ownership in the process.

Patricia Kane Hellweg says students who learn through hands-on arts integration retain concepts more effectively because they have more ownership in the process.

So the theater started developing workshops related to the performances, which evolved from one-off events to a regular partnership with schools — and an expansion of the organization’s work from drama to arts integration of all kinds.

“I felt that working in the classroom with teachers and students would really bring learning to life,” she told BusinessWest. “So we are still a theater company, and we create original plays on subjects with both cultural and historical relevance. But we really became a teaching institution.”

The theater has a presence in public schools throughout Holyoke, Amherst, Northampton, and parts of Springfield, but also in affordable-housing developments, preschools, universities, and other, perhaps surprising venues.

“We work throughout the community — in the foster-care world, in the mental-health field, with adjudicated youth in detention, in homeless shelters, in housing developments — bringing arts-integrated learning to some of the most marginalized and vulnerable populations in the area,” Hellweg said.

Holyoke’s public schools represent Enchanted Circle’s longest-term and closest partner, as seen in offerings like the visual math programs at Morgan School and a dual-language arts-integration program with grades K-3 at Metcalf School every Friday, which touches on numerous academic subjects. “Whatever they’re working on, we are working on,” she said. “It’s hands-on, project-based, arts-integrated learning.”

And that hands-on element is critical, she noted. Typically, the ideas kids learn at school are stored in their visual memory. “But if we’re doing embodied math — where students become an isosceles triangle, or two people create a parallelogram with their arms — then it’s in your muscle memory. And it brings the joy back to learning because it’s fun, and the laughter in class is huge.”

Micchia agreed. “It becomes this whole-body experience, this holistic experience when we use the arts to create this visual math.”

And students who are having fun are more likely to want to learn, Hellweg added. “What we find is that attendance goes up because students want to be in school, and behavior issues go down because students are engaged.”

That applies even to young people who never considered themselves learners, she said, recalling a bittersweet conversation she had recently with a 15-year-old girl in juvenile detention.

“She said to us, ‘I never thought I would find joy in learning, and I’m loving learning with Enchanted Circle. I never would have dropped out of school had Enchanted Circle been in my classroom.’”

Now working on a poetry-into-performance program through the theater, funded through the National Endowment for the Arts, the girl has a new outlook on why learning can — and should — be so much more than rote memorization. “That engagement, both the physical engagement and the experience of working collaboratively and creatively, changes the learning environment.”

Micchia went further than that, saying Enchanted Circle cultivates an emotionally safe learning space.

“I feel like it creates an acceptance — you’re accepted here. You don’t have to be the best at something,” she said, adding that there’s no one set way to teach a student. “One of the beautiful things is, it’s kind of organic and flexible, and you meet the needs of the child as opposed to the other way around. It’s not a formula.”

Teaching the Teachers

Students aren’t the only ones in need of that confidence, Hellweg noted. Teachers are, too — at least when it comes to the often-unfamiliar territory of arts integration in their classrooms.

“We do a tremendous amount of training of teachers, who don’t necessarily think of themselves as artists, and often feel that they’re not creative. But, within moments of one of our professional-development programs, they realize they’re very creative, and they have a tremendous aptitude for bringing the creative process into the classroom,” she told BusinessWest. “So we’ve been working with teachers on large and small ways to integrate the arts into the classroom, and any time we’re in residence in a classroom, we’re working in partnership with the teacher and students to create something together.”

One innovative initiative, the Honors Arts Academy in Holyoke, is an afterschool program at Donahue School that focuses on rigorous arts training for students. The goal is to secure the funding to place it at Holyoke High School and bring in seventh- and eighth-graders from three city middle schools to work with freshmen at the high school.

“The ninth-grade dropout rate is a big challenge,” Hellweg said, “so it’s good to get seventh- and eighth-graders feeling not just at home in the high school, but that it’s their school, and able to use the resources at the high school, like the television studio and the theater. Most middle schools don’t have those resources.”

In all Enchanted Circle’s programs, she added, students are moving beyond passive learning and generating their own ideas, helping to craft curriculum that means something to them.

While the theater has evolved slowly over the years, Hellweg is excited about a new initiative called the Institute for Arts Integration, which will be a regional hub for training teachers, social-service case workers, administrators, and teaching artists.

“There are a couple programs around the country that are doing this, and because we’ve been pioneers in the field of arts integration, we want to create our own institute,” she said. “Our goal is to make arts integration the norm in every classroom.”

It’s a goal that gets her out of bed each morning, doing a job she has loved for almost four decades.

“You don’t stay in a job that long unless it moves you,” she said. “Every single day, I see that ‘a-ha’ moment where students are able to do something they didn’t think they could. It’s palpable — teachers are seeing their students differently, students are seeing their teachers differently. Learning comes alive, and the creative process means it’s never-ending. That’s where my inspiration comes from.”

Joseph Bednar can be reached at [email protected]

Cover Story

Policy Shifts

Roger Crandall stops at State & Main in MassMutual’s headquarters building in Springfield.

Roger Crandall stops at State & Main in MassMutual’s headquarters building in Springfield.

Over the course of its 167-year history, MassMutual has successfully responded to changes in society and also in how business is conducted. Today, the pace of change has accelerated greatly, but the company is answering with new strategic initiatives involving everything from the design of workspaces to how individuals apply for life insurance.

They call it ‘State and Main.’

MassMutual built its former headquarters building in Springfield at that very intersection, so that may have something to do with that name. But it’s more likely a reference to the fact that this is where two of the main spines of the company’s sprawling current home on State Street come together. So that’s where many of the 4,000 people working there come together as well.

There’s a Starbucks there, as well as a small shop where people can get their electronic devices serviced, as well as a convenience store. Over the past 18 months or so, some small meeting places and workstations where people can plug in have been added in a nod to changes in how work is now done.

There is a row of these stations along one wall, which, coincidentally, was the old end point of the building before an addition was built. Where the windows once were, there are now photographs depicting work life at MassMutual decades ago.

If you’re looking for evidence of just how much things have changed, you can juxtapose a solitary worker on a laptop in one of these workspaces in front of a huge photo depicting row upon row of desks — an iconic glimpse of the workplace maybe a century ago (see photo above).

It took a long time to get from where things were in that photograph to where they are today, but the pace of change is rapidly accelerating — even when it comes to a product seemingly frozen in time, like life insurance.

While the basic insurance products haven’t changed much over time, how people research them, shop for them, and ultimately buy them have, said Roger Crandall, president and CEO of the Fortune 100 company, the only one based in the 413.

“We’re looking a lot at how to do business with people the way they want to do business,” he explained, adding that there is much that goes into this equation. “The single biggest thing that the technology revolution has done is give consumers the power to interact the way they want to interact.

“We can’t say, ‘you can only talk to us on the phone’; we can’t say, ‘you can only talk to us in person,’” he went on. “We have to be able to meet consumers where they want to be met, and that is what we call an omni-channel world.”

Responding to this new landscape is just one of the many organizational focal points for Crandall and MassMutual, with the emphasis on ‘many.’ Others include those aforementioned changes in the way people work, he told BusinessWest, adding that the company’s headquarters has seen a number of significant changes in response to trends involving more open spaces and the need to bring great minds together, not keep them apart.

As a result, there are far fewer of those large, private offices that once dominated large financial-services companies and often defined how high one had risen in the ranks, and much more of those open workspaces like those along State and Main.

A MassMutual employee gets some work done in front of an image that Roger Crandall calls “a look back in time.”

A MassMutual employee gets some work done in front of an image that Roger Crandall calls “a look back in time.”

These changes are taking place at all of MassMutual’s facilities, which leads to another of those focal points, a headline-generating consolidation and realignment of facilities that will see the company significantly increase its presence — on both ends of the Bay State.

Indeed, there will be $50 million in investments to the Springfield facility, with an estimated 1,500 more employees working there, many of them commuting to that facility instead of the one in Enfield, Conn., which is being closed.

Meanwhile, in Boston, MassMutual will build a new facility in the Seaport District that will be home to about 1,000 workers. The company will look to capitalize on the city’s emergence as a global leader and its already established ability to retain many of the young people who come there to be educated as a way to help attract and retain top talent for years to come.

Still another focal point for the company is Springfield and the region it serves as its unofficial capital, said Crandall, adding that, while the company’s commitment to the City of Homes has come into question — the sale of Tower Square triggered much of that speculation — he said it is as strong as ever, with involvement in everything from education and workforce development to entrepreneurship and new-business development.

Overall, the city has rebounded nicely from the financial turmoil of a decade or so ago, and the opening of MGM Springfield in a few months constitutes just one of many signs of progress, said Crandall, declaring that “Springfield has its mojo back.” (Much more on those thoughts later).

For this issue, BusinessWest caught up with Crandall for a wide-ranging interview that touched on everything from Springfield and its mojo to Boston and the latest addition to its business landscape, to all those changes at State and Main and what they mean for this 167-year-old company.

Space Exploration

That interview took place in Crandall’s spacious office on the second floor of its headquarters building. As he gestured toward his surroundings, Crandall, who has occupied them since 2010, admitted candidly that he wasn’t exactly sure what would become of them as MassMutual undertakes that realignment of its facilities to accommodate more employees and a changing workplace. He did know that it won’t look like it does now.

“This office is a dinosaur; no one would build an office like this in a new building,” he told BusinessWest. “This space may very well have 20 people in it when we’re all done — there’s plenty of room for 20 people in here in a modern configuration.”

He was more certain about many other things, especially the company’s changing footprint when it comes to facilities. It will be a smaller, more efficient footprint, he noted, one shaped to address a number of challenges and opportunities moving forward.

This change to the landscape has resulted from some seismic shifts over the past several years, especially a number of acquisitions — including Metlife’s retail advisor force, the Metlife Premier Client Group (MPCG) in the summer of 2016 — that left the company with a dispersed portfolio of facilities, and also changing technology, which, as noted, has altered everything from how people buy products to how they work.

These changes prompted the company to take a much-needed step back, said Crandall, before it could decide how to move forward.

“We said, ‘this is a good time to step back and say, ‘how is our geographic footprint aligned with what we’re trying to do from a long-term perspective?’” he recalled. “And that prompted us to take a look at a whole variety of options.”

Elaborating, he said recent acquisitions left the company with facilities in Charlotte, N.C., Memphis, Tenn., Phoenix, Ariz., Somerset, N.J., Amherst, and other locations. And while advancing technology allows people in remote offices to communicate effectively, consolidating those offices emerged as the option that made the most sense.

“Although people work in different ways and the ability to work remotely is greater than ever because of technology, it’s really important to have more people interacting with each other,” he explained, “to get the best ideas, the best execution, and to take advantage of the diversity our workforce has.

“It’s great to be able to connect through devices, but face-to-face meetings are really important,” he went on, noting that roughly 2,000 employees will be relocated to Massachusetts from locations in other states. “So we liked the idea of getting to a smaller footprint.”

That makes sense on other levels as well, he noted, adding that the company was really only using about 60% of its facilities in Springfield and 60% of its facilities in Enfield.

At the same time, the company has put an even greater emphasis on the broad issue of workforce development and the challenge of attracting and retaining top talent.

And this combination of factors prompted a long, hard look at Boston — a city that has drawn similar looks from a host of other major corporations — and then hard action.

“We thought about how to set ourselves up to attract the best and the brightest for the next 25 or 30 years,” said Crandall. “And that’s where having a location in Boston, which has really emerged as a global city in the last decade, came to the forefront.

“Boston has become a true world leader,” he went on. “It’s always been a world leader in education, and it’s become a world leader in medicine and life sciences, and it’s also a very significant financial center as well. People go to school there, and they want to stay there.”

But while MassMutual will build a new facility in Boston’s Seaport District at 1 Marina Park, it will maintain a strong presence at both ends of the state, said Crandall, adding that Springfield will remain the company’s home.

Once used as basketball courts, space on the fourth floor of MassMutual’s headquarters building is now dedicated to meeting spaces known collectively as the ‘tree rooms.’

Once used as basketball courts, space on the fourth floor of MassMutual’s headquarters building is now dedicated to meeting spaces known collectively as the ‘tree rooms.’

The fact that it is only 90 minutes away on the Turnpike from the Boston offices (traffic permitting) should bring a number of benefits, he noted.

“It’s very, very different running a company where people can drive back and forth, and running a company where you have to get on a plane,” he noted. “And from that culture perspective, that became important to us as well.”

Room for Improvement

As for the facilities in Springfield, Crandall told BusinessWest that what’s planned is a reconfiguration and not an expansion in the true sense of the word.

But more people will be working at that location — and turning up at State and Main for lattes, to have their phone repaired, to get their dry cleaning, and, increasingly, to get some work done as well.

As Crandall noted earlier, there will be fewer private offices moving forward and more open spaces where people can work and collaborate as the company strives to moves away from a historical hierarchy that has defined much of its history and that of other financial-services giants as well.

The company has already taken a number of significant steps in this direction, he went on, referencing rows of tables where people can work on laptops, spaces where a few people can gather and talk, and larger, technology-equipped meeting spaces, such as those now known simply as the ‘tree rooms.’

There’s ‘Birch,’ ‘Elm,’ ‘Maple,’ ‘Hemlock,’ and others. These are meeting facilities created on the fourth floor of the headquarters building — space devoted to basketball courts until 1980 and for less ornate (and modern) meeting spaces in recent years.

Meanwhile, there are more meeting spaces on the ground floor just off State and Main that, like the ones a few floors up, are always occupied and need to be booked well in advance. These rooms are named for national parks, and include ‘Yosemite,’ ‘Zion,’ ‘Everglades,’ and ‘Glacier.’

As for what’s going on in all those meeting rooms, Crandall said the company is focusing its efforts in many directions, including what he called “a digitization of everything we do.”

And that brings him back to that omni-channel world he mentioned and the need to meet consumers where they want to be met.

“We’re basically building a digital insurance company from scratch to disrupt ourselves,” he explained. “It’s going to give us the ability to be much more responsive to consumer demands, and have much lower costs, which will enable us take advantage of the next big opportunity, which is to broadly offer more Americans insurance.”

Elaborating, he said there are 35 million American families with no insurance at all, and insurance penetration in this country is among the lowest in the world. “When we go out and do focus groups and ask people if they need life insurance, 70% say ‘yes,’” he said. “And 50% of the people who have life insurance say they need more life insurance, so there is this big unmet need.”

There are many reasons for this, he said, including the fact that fewer people are working for the kinds of large companies that offer life insurance as a benefit, and more are working for smaller ventures that don’t, or are self-employed.

To meet that need, the company is responding proactively with products and processes that can put insurance within reach and bring the numbers from those surveys down.

“No normal person sits down and thinks about the process of buying life insurance,” he said. “But we took a look at that process a few years ago and determined that it was largely the same as it was in 1995, 1985, and, arguably, 1975 — a paper-based application that got sent through snail mail to an underwriter, which triggered a paramed going to someone’s house, and a process that begins with someone standing on a scale and goes downhill, from a consumer’s perspective, to 25 days later getting told you’re not the best risk class and you’re going to have to pay more for the product than you thought.”

To change that equation, the company’s data-science team began working with an accumulated asset — the applications taken for life insurance over the years — and built a machine-learning mortality-scoring model.

“That model, with the support of reinsurers, is being used to underwrite 75% of the policies MassMutual issues,” he went on, adding that this process often lowers the time required to get approval — down to one day for those who are younger and in good health — and brings down the cost of that insurance.

And this is just one example of this digitization process, which doubles as a growth strategy.

“What really matters to us in the long run is being able to have the talent we need to execute our mission,” Crandall explained, “to help people secure their future and protect the ones they love, and to continue the growth trajectory we’ve been on — we’re now the biggest seller of whole life insurance in the country and are the second-biggest seller of all life insurance in the country.”

Paying Dividends

As MassMutual continues to respond to a changing landscape for a wide range of business perspectives, it is doing the same when it comes to its work within the community and especially its home city of Springfield, said Crandall.

He noted that there have been many forms of progress in recent years, from new vibrancy downtown to the city’s much-improved fiscal health, to a better perception of the city across the state and even outside it.

Roger Crandall says MassMutual is essentially building a digital insurance company from scratch “to disrupt ourselves.”

Roger Crandall says MassMutual is essentially building a digital insurance company from scratch “to disrupt ourselves.”

“The vibe in Springfield is as positive as I’ve seen it in 30 years,” he said when asked to offer his assessment, adding quickly that there are many areas of need and concern, and MassMutual and its foundation are partnering with others to help address many of them.

Especially those in the broad realm of education.

Noting the importance of education to attaining a job in today’s technology-based economy, Crandall said MassMutual’s commitment to education takes many forms, from financial-literacy programs involving middle-schoolers to a $15 million commitment to help create a sustainable workforce in data science.

“We know that, in the long run, better educational outcomes are such a powerful way to change people’s trajectories in life,” he explained, adding that it starts with getting individuals not only through high school, but graduating with the skills they will need to thrive in this economy.

But the company’s commitment to the city and the region — what Crandall called ‘enabling philanthropy’ — encompasses many different aspects of economic development, he went on, listing, for example, its work with DevelopSpringfield to revitalize neighborhoods across the city, and its backing of Valley Venture Mentors ($2 million to date) and financing of startups that pledge to put down roots in the region.

There has also been support of workforce-development initiatives, such as a training center for call-center employees at Springfield Technical Community College and a similar initiative involving the precision-manufacturing sector.

Then there’s the company’s support of ROCA, the agency that works with incarcerated individuals, usually repeat offenders, to help them change the course of their life and succeed outside the prison walls.

“There is no greater waste of a person’s potential or, frankly, the economic potential of our community than having a large group of young men who are unemployable or in prison,” said Crandall. “When you talk to a young man who’s been in prison who’s now a member of the carpenter’s union, getting married and having a child, and buying a home … to think about where he is as opposed to when he was 18 — that’s inspiring.”

Overall, Crandall, deploying that word ‘mojo,’ said the city has not only many positive developments breaking its way, but also more confidence and self-esteem. Perhaps even more important — and those factors are significant in their own right — is the fact that those outside the city are sharing those sentiments.

To get that point across, he relayed a recent conversation he had while visiting one of the company’s agencies in Brooklyn, a borough that had more than its share of problems a generation ago but has morphed into one of the hottest communities in the country.

“I was talking to one of our agents, probably in his mid-30s, and he said, ‘I just invested in a property in Springfield, Massachusetts,’” he recalled, adding that he responded by asking why this individual wasn’t investing in Brooklyn instead. “He said, ‘I’ve done great here in Brooklyn, but Springfield reminds me of Brooklyn 20 years ago.”

Past Is Prologue

Referencing those pictures placed where the windows were on the old exterior wall of the State Street facility, Crandall said each image was designed to be “a look back in time.”

“It’s a pretty neat historical kind of twist that adds an interesting flair to that area,” he said, noting that looking back is much easier — and generally more fun — than trying to look forward, anticipate the future, and prepare for it.

But that’s just what MassMutual is doing, and those exercises define the many strategic initiatives at the company — everything from its soon-to-be-much-smaller geographic footprint to its efforts to meet customers when and how they want to be met, to philanthropic efforts within the community focused on everything from education to providing new, productive lives for the incarcerated.

Crandall doesn’t know what his current office will look like in a year or two, but he does know it won’t look like it does now. And there may be 20 people working in that space.

It’s a dinosaur that’s extinct. The company is moving on from it, reconfiguring, becoming more efficient, and responding proactively to change.

And it’s doing that with every aspect of an altered landscape.

George O’Brien can be reached at [email protected]

Community Spotlight Features

Community Spotlight

Downtown Greenfield may look the same as it did decades ago, in many respects, but it has evolved considerably and morphed into a true neighborhood.

Downtown Greenfield may look the same as it did decades ago, in many respects, but it has evolved considerably and morphed into a true neighborhood.

Greenfield Mayor William Martin acknowledged that it isn’t exactly a scientific measure of either his downtown’s vibrancy or the efficiency of his long-term strategic plan for the central business district. But it certainly works for him.

He’s being told there’s a parking problem downtown. Actually, he’s been told that for some time. Until recently, the commentary involved the east end of that district by Town Hall, and the chorus was so loud and so persistent that the community is now building a 272-lot parking garage in that area, due to open in the fall.

But now, he’s also hearing that complaint about the east side of downtown, and he’s expecting to hear it a lot more with the opening of the Community Health Center of Franklin County on the site of the old Sears store on Main Street, a facility that will bring more than 100 clients and employees to that location every day.

In the realm of municipal government, parking problems generally, but certainly not always, fall into that category of the proverbial good problem to have, said the mayor, adding that a far worse problem is to have no parking woes — not because you have plenty of parking, but because no one is coming to your downtown.

And that was more the state of things in Greenfield for some time, Martin intimated, putting the accent on ‘was.’

Indeed, while Main Street may look pretty much the same as it did a few decades ago, at least at a quick glance, it is vastly different, and in some very positive ways, said the mayor, adding that his administration’s broad strategy has been to bring people downtown for goods and services and let this critical mass trigger economic development on many levels. And it’s working.

“We thought that, if we can bring people downtown and provide what they need, the free market will take care of people want,” he said, adding that the theory has been validated with everything from new restaurants to live entertainment to offices providing acupuncture and cardiology services.

Jim Lunt agreed. Now the director of GCET (Greenfield Community Energy and Technology), a municipal high-speed Internet provider, and formerly director of Economic Development for the community, he said the downtown has evolved considerably over the past decade or so.

Getting more specific, he said it has morphed from a traditional retail district, as most downtowns are, into more of a combination entertainment district and home for small businesses and startups.

“We’ve focused on small businesses that we can bring in, and we’ve worked a lot to build up the creative economy; our downtown, like many downtowns, looks a lot different now than it did 10 years ago,” Lunt told BusinessWest. “There are a lot more restaurants, a lot more opportunities for more social gathering, as opposed to what people would think of as traditional shopping.”

In addition to social gathering, there is also vocational gathering, if you will, in the form of both new businesses and also a few co-working spaces that are bringing a number of entrepreneurs together on Main Street.

To get that point across, Lunt, sitting in what amounts to the conference room in Town hall, simply pointed toward the window, a gesture toward the building next door, the Hawks & Reed Entertainment Center, which, in addition to being a hub of music, art, and culture, is also home to Greenspace CoWork.

That space, on the third floor, is now the working address for writers, a manuscript editor, a few coaches, a social-media consultant, and many others, and has become, said Lunt, maybe the best example of how Greenfield has put the often long-unoccupied upper floors of downtown buildings back into productive use.

MJ Adams, who succeeded Lunt as director of Economic Development, agreed, and she summoned another term to describe what downtown has become: neighborhood.

She said it has always been that to some extent, but it is now even moreso, with more living options and other amenities in that area.

“We’re starting to look on downtown as more of a neighborhood,” she explained. “We’ve always looked at it as the civic and service center for the county, but people are starting to perceive downtown Greenfield as a neighborhood that has a mix of housing styles, is attractive to a wide range of people, especially young people, has a lot to offer, and is very walkable.”

Greenfield didn’t get to this state overnight, said those we spoke with, noting that the process has been ongoing and more strategic in nature since the official end of the Great Recession and the arrival of Martin in the corner office (both of which happened in 2009).

Mayor William Martin says his broad strategy since being elected a decade ago has been to transform downtown into a hub for a wide range of services and make it a true destination.

Mayor William Martin says his broad strategy since being elected a decade ago has been to transform downtown into a hub for a wide range of services and make it a true destination.

That strategy has involved a number of tenets, everything from creation of GCET, which gives downtown Greenfield an important asset in a county where high-speed Internet access is a luxury, not something to be taken for granted, to a focus on making downtown a destination for a wide gamut of services, from education to healthcare.

For this, the latest installment of its Community Spotlight series, BusinessWest examines how these pieces have come together, and also at how they have positioned Greenfield for continued growth, vibrancy, and maybe even some more parking issues — the ‘good-problem-to-have’ variety.

Hub of Activity

To explain his broad strategy for Greenfield’s downtown, Martin essentially turned the clock back more than 200 years. Sort of.

Back in those days, he explained, Greenfield, anointed the county capital, was a supplier of goods and most services to the many smaller communities surrounding it.

Small steamships and rail would bring goods north on the Connecticut River to Greenfield, he explained, and residents of surrounding towns would make their way to the center of Franklin County to get, well, pretty much whatever they needed.

“I consider that a tradition and also a responsibility,” said Martin, now serving his fourth term. “And that’s what we’ve based our downtown on — providing what people need.”

It also has always done that with regard to government functions, he said, citing everything from the county courthouse, post office, and jail to Greenfield’s library, the largest in Franklin County. But Martin’s goal was to broaden that role to include education, healthcare, and more.

And specific economic-development initiatives, technology, societal changes, the community’s many amenities, and some luck have helped make that goal reality.

In short, a large number of pieces have fallen into place nicely, said those we spoke with, enabling downtown Greenfield to become not only a destination, or hub, but also a home — for people and businesses across a diverse mix of sectors.

These pieces include:

• A burgeoning creative economy that features a number of studios, galleries, and clubs featuring live music;

• A growing number of restaurants, in many categories, that collectively provide a critical mass that makes the city a dining destination of sorts. “There are 13 different ethnic restaurants, there’s some really good bars, several places for live music that weren’t here just a few years ago, and art galleries,” said Lunt. “I think that’s the biggest change downtown”;

• Greenfield Community College, which has steadily increased its presence downtown with a campus that brings students, faculty, administrators, and community leaders to the Main Street facilities;

• The community health center, which will bring a host of complementary services, including primary care, dental, and counseling for emotional wellness together under one roof in the downtown, where before they were spread out and generally not in the central business district;

• Other healthcare services. In addition to the clinic, a cardiologist has taken over an old convenience store downtown, said the mayor, noting that there is also an acupuncturist, a holistic center, a massage therapist, and other healthcare businesses in that district; and

• Traditional retail, of which there is still plenty, including the landmark Wilson’s Department Store.

Actually, these pieces haven’t just fallen into place by accident, said Martin, noting, again, that they have come into alignment through a broad strategic plan and specific initiatives designed to make the downtown more appealing and practical for a host of businesses, as well as number of existing qualities and amenities.

“We decided that we should do everything we can to provide the infrastructure necessary to attract people and entities when the economy turned,” he explained. “And we worked on a number of things that were real problems.”

High-speed Internet access was and is a huge component of this strategy, said Lunt, noting that it has been directly responsible for a number of businesses settling in the city.

Meanwhile, other parts of that strategic initiative include renewable-energy projects that have helped bring down the cost of energy; creation of a Massachusetts Cultural District, which has made the community eligible for certain grants; a façade-improvement project that has put a new face on many properties downtown, and many others.

Destination: Greenfield

The community already had a number of strategic advantages when it came to attracting both businesses and families, said Lunt, noting that, overall, while Greenfield’s location in rural Franklin County is limiting in some ways — contrary to popular opinion, there are actually few available parcels for large-scale developments, for example — it brings advantages in many others.

From left, MJ Adams, Mayor William Martin, and Jim Lunt all see many positive signs in Greenfield’s downtown.

From left, MJ Adams, Mayor William Martin, and Jim Lunt all see many positive signs in Greenfield’s downtown.

Elaborating, he said that many younger people prefer a rural setting to an urban one — for both living and working — and can find most of what they’re looking for in Greenfield.

That list includes a lower cost of living than they would find in Boston, Amherst, or Northampton; outdoor activities ranging from hiking to whitewater rafting; culture; a large concentration of nonprofits serving the county; and, yes, high-speed Internet access, something people might not find 20 minutes outside of downtown.

“It’s a beautiful area, and real estate is quite affordable compared to much of the rest of the state,” said Lunt. “And the Springfield-Hartford metropolitan area is now 1.2 million, and that’s not that far down the road; a lot of people would happily commute for 45 minutes to live here and get to jobs there.”

This combination of factors has attracted a number of young professionals, many of whom may have gone to college in Boston or another big city and started their careers there, but later desired something different, said Adams.

It has also attracted entrepreneurs, said Lunt, including several video-game developers, many of whom now share a business address — co-working space known as Another Castle.

Located on Olive Street in space that until recently housed the Franklin County registry of Deeds, it became home to the video-game developer HitPoint, which was located in Greenfield, relocated to Springfield, and has now moved back. And it has created a co-working space that enables other small game designers to take advantage of shared equipment and facilities, effectively lowering the cost of doing business.

Moving forward, the town’s simple goal is to build on the considerable momentum it has created through a number of initiatives. These include work to redevelop the former First National Bank building, vacant for decades and the last of the properties on the stretch as Bank Row to be given a new life.

The town’s redevelopment authority has site control over the parcel, said Lunt, adding that the next steps involve working with the state, private grant writers, and the city to acquire funds to convert the property into a downtown cultural center to be used for everything from a farmers’ market to perhaps a museum of Greenfield history.

If all goes according to plan, all the properties on Bank Row will be back in productive use for the first time in 40 years, he told BusinessWest.

Another initiative is the parking garage, which has been years in the making, noted the mayor, noting that it took several attempts to secure funding help from the state for the project.

The facility will ease a well-recognized problem, exacerbated by the new county courthouse in that area, and provide yet another incentive for people to come to downtown Greenfield.

As for parking at the other end of Main Street … well, that’s a good problem to have. For now, anyway.

George O’Brien can be reached at [email protected]

Banking and Financial Services Sections

Members Only

Katherine Hutchinson says members expect a credit union to be attuned to their needs.

Katherine Hutchinson says members expect a credit union to be attuned to their needs.

Although myths persist about what credit unions are, their leaders are cheered by statistics showing that 43% of Massachusetts residents belong to one. But they know members aren’t satisfied with mere messaging; they want the high-tech tools available at larger banks, melded with a culture of personal service. It’s a challenge they say they work hard to meet.

Michael Ostrowski has made a career in credit-union leadership, and the numbers startled even him.

Specifically, it’s the statistic that 43% of the population of Massachusetts is a credit-union member, compared to about 33% nationally.

“That’s huge. I was surprised by that,” said Ostrowski, president and CEO of Arrha Credit Union. But after considering it, he wondered why that 43% figure should be a shock at all. “I’m surprised more people don’t take advantage of credit unions, from the fees and everything right down the line. We are typically a better deal, and you don’t see any of these credit unions in the newspaper like a Wells Fargo.”

By that, he meant the financial turmoil that many national banks brought upon themselves at the start of the Great Recession — a crisis that actually led to marketing opportunities for credit unions, said Katherine Hutchinson, president and CEO of UMassFive College Federal Credit Union.

“We did see growth throughout the recession,” she told BusinessWest. “We wanted to make sure we were not letting our members down by not lending through that period, but we were also very conscientious about how we were spending our money — all the things good financial institutions do to protect the interests of their shareholders and, in our case, our members. That’s really important to us, and I think it was a time where people were taking a second look and saw credit unions as alternatives.”

The lobby walls at UMassFive’s Hadley headquarters are adorned with messaging touting the member-centric (don’t call them customers) philosophy of credit unions, and, “believe me, we try very hard to follow the philosophy,” Hutchinson went on. “I’ve been at the credit union for 42 years — I’ve kind of grown up in the industry. When I started, we were very focused on the member, and I’ve tried to convey that and live that philosophy as we grew bigger.”

Credit unions are financial institutions that look and feel like a bank in the products and service they offer, she explained, but the difference is their structure as cooperatives.

“Because of a credit union’s non-for-profit status, consumers do expect better rates and lower fees, and I think that’s what they experience,” she said. “But they also want us to be focused on what they need, on how we can help them personally — to listen to their story, hear about why they’re in a certain situation, and what would really help them.”

Glenn Welch says local leadership means credit unions can respond to members’ concerns quickly.

Glenn Welch says local leadership means credit unions can respond to members’ concerns quickly.

Glenn Welch, president and CEO of Freedom Credit Union, said member ownership of the institution is important to those who do business there. “Whether you have $5 in your account of $500,000, it’s one member, one vote,” he said, adding that members of his board of directors must hail from the four western counties. “The board is local, so members know we can make decisions and resolve situations quickly.”

Resolving situations, and writing more success stories, is a point of pride for UMassFive, Hutchinson noted. “I think it’s important that we hear those stories and share those stories to encourage our employees to listen to the members and find ways to help. The stories are important.”

Numbers Don’t Lie

The story for credit unions has been positive in recent years, Ostrowski said, pointing to statistics like a capital-to-assets ratio of 10.4%, on average, for credit unions in Massachusetts. “Over 7 is well-capitalized — we’re over 10. That shows strength in the credit-union industry.”

Meanwhile, the 167 credit unions in Massachusetts employ 6,158 people full-time and another 908 part-time, and boast more than 2.9 million members — again, about 43% of all residents.

Still, myths persist about credit unions, Welch said, sharing four common ones identified by the Credit Union National Assoc.

The first myth: “I can’t join.” CUNA points out that many Americans believe they are ineligible to join a credit union, but membership eligibility today is typically based on geography, he noted. Membership at Freedom Credit Union, for example, is available to anyone who lives, works, or attends college in Hampden, Hampshire, Franklin, or Berkshire counties.

The second myth: “accessing my money may be hard.” Not true, Welch said, noting that, along with boasting a mobile application for online banking, many credit unions, including Freedom, have joined the Allpoint Network, allowing members surcharge-free ATM access at more than 55,000 retail locations worldwide.

The third myth: “they’re too small.” Rather, he noted, credit unions provide the same security and protection of a larger financial institution, but is accountable to members, rather than shareholders. “This means every customer is treated as an individual, not a number, enjoying personalized service and customized products.”

The final myth: “they’re primarily for those in need.” Based on generational notions, Welch explained, some may believe credit unions mainly serve low-income consumers. In truth, he added, they serve every population, as well as every size and type of business.

Essentially, he told BusinessWest, the CUNA survey demonstrated that many people don’t understand what membership means and how to go about applying to be a member.

“Several things came up; one was that they didn’t feel that credit unions can offer them the level of technology and products of banking institutions. But we had a good year in 2017 and approached the board with quite a few investment upgrades,” he noted, expanding the tasks that can be done online, like electronically signing for loans.

“People don’t want to set foot in a bank or credit union lobby unless they have to,” he continued. “We have the same products available at bigger banks, but at a local level.”

Ostrowski agreed that credit-union members appreciate the institution’s purpose and philosophy, but also demand current technology. In fact, Arrha is in the process of upgrading all its systems to improve electronic communication and its mobile banking platforms.

“I think the credit unions are still filling that void of the banks that had their roots in the small towns, and that really hasn’t changed,” he said. “But I think it’s important that people realize that we have the same systems all the big banks have, and we have the same cybersecurity functionality they do. Clearly, from a systems standpoint, we can compete very well with them.”

Michael Ostrowski says credit-union members expect the same high-tech products they can find at large banks.

Michael Ostrowski says credit-union members expect the same high-tech products they can find at large banks.

Likewise, Hutchinson noted that the area colleges the credit union was built upon still form its core membership group, but it wouldn’t have grown beyond that without a recognition in the region of the credit-union philosophy — and without a commitment on the institution’s side to stay atop trends in products and services and continually invest in technology. “That is important to growth and our sustainability, so we’re proud of that.”

Loan Stars

Ostrowski said messages like this — and a vibrant economy — have helped Arrha grow steadily in recent years, with deposits up, loan delinquency down, and investments in technology helping to attract new members.

Meanwhile, Welch noted that the competitive interest rates Freedom pays on savings accounts and charges for loans have both attracted new business. All that led to growth in 2017 in return on assets and total loans, as well as hiring a second commercial lender and a credit manager, focusing on individuals and small businesses.

“Typically, we don’t lend more than $3.5 million or $4.5 million, although we could, based on capital,” he noted.

But the credit-union presidents BusinessWest spoke with all noted that the model’s philosophy doesn’t stop at dollars and cents, but extends to a robust community outreach, often in the form of educational seminars.

“That goes to the concept of people helping people,” Welch said. “We find, when we’re not able to help someone, it’s usually a credit issue, and often, they haven’t been educated on the value of credit. So we participate with other banking institutions in Credit for Life fairs, reaching out to students when they’re still in high school to talk about good and bad credit, and what that means when they try to buy a car, rent an apartment, or get a credit card.”

Hutchinson said her board believes community education is important to UMassFive’s mission. “So many people need that kind of assistance. It ties back into what is best for our members — educating them on how to make decisions.

“Financial literacy is key,” she went on. “We try to have a variety of topics, from understanding your credit score to budgeting to preparing for retirement and first-time homebuying. We also work with UMass, doing some seminars for students on student debt.”

Ostrowski noted that even recent college graduates don’t understand their credit score and the impact it can have, while others take advantage of a credit-card offer in the mail and quickly wind up thousands of dollars in debt without thinking about the consequences. “All our programs in financial literacy are drivers that we make no money on — they are absolutely out of love of our members and to protect them.”

The credit-union culture runs deep in Massachusetts, the state where such institutions were first chartered way back in 1909, Ostrowski explained. State partnerships are still critical, he added, noting that Gov. Charlie Baker has backed an effort by the state’s credit unions, called CU Senior Safeguard, to fight elder financial abuse and fraud. All frontline credit-union staffers are participating in the program, while a statewide effort is targeting consumers with information about how elders are defrauded — a problem that costs some $10 billion every year nationally.

“I’ve heard wild stories about members getting ripped off by contractors,” he said, or individuals who were ready to send money to an unknown e-mailer on the promise of more in return. “I’ve literally had to argue with individuals not to send their money away.”

Better, he said, to deposit it with a credit union — and join that 43% number that, in an age of constant mergers and acquisitions among area banks, only continues to grow.

Joseph Bednar can be reached at [email protected]

Sections Sports & Leisure

Refreshing the Data

The American College of Sports Medicine (ACSM) has released a new official statement regarding energy drinks, published in the college’s clinical review journal, Current Sports Medicine Reports. “Energy Drinks: A Contemporary Issues Paper” provides guidance and warnings regarding these beverages because of the dangers they present to at-risk populations, primarily children who are the most vulnerable and the target of marketing efforts.

“Energy drinks are extremely popular, and concerns about their consumption are coming from every sector of society, which is why we’ve published these recommendations,” said Dr. John Higgins. “Our review of the available science showed that excessive levels of caffeine found in energy drinks can have adverse effects on cardiovascular, neurological, gastrointestinal, renal, and endocrine systems, as well as psychiatric symptoms. More needs to be done to protect children and adolescents, as well as adults with cardiovascular or other medical conditions.”

Energy drinks are highly caffeinated beverages that often contain myriad vitamins, minerals, amino acids, and herbal mixtures. As a global authority for sports medicine, exercise science, and the promotion of participant safety, the ACSM is focused on facilitating high performance while protecting those who compete in athletics or engage in other forms of physical activity. By publishing the new recommendations, the ACSM is helping consumers to understand the risks associated with rapid and excessive consumption of energy drinks.

“When used safely and with moderation, energy drinks may have some short-term, performance-enhancing effects. However, users are generally unaware of the many potential adverse reactions that could have long-term effects, some of which are quite serious,” said Higgins. We highly encourage consumers, parents, physicians, athletic trainers, personal trainers, and coaches to follow these recommendations.”

Children and adolescents appear to be at particularly high risk of complications from energy drinks due to their small body size, being relatively caffeine-naive, and potentially heavy and frequent consumption patterns, as well as the amounts of caffeine. The message that these beverages are not intended for children needs to be reinforced and widely disseminated, Higgins said.

At the same time, he added, marketing should not appeal to vulnerable populations. Currently, manufacturers of energy drinks advertise on websites, social media, and television channels that are highly appealing to both children and adolescents. Target marketing to sporting and other events involving children and adolescents should not be permitted.

Regardless of health and fitness level, and until such time that proper safety and efficacy data are available, the ACSM recommends that energy drinks should be avoided before, during, or after strenuous activities. Some of the deaths allegedly due to energy drinks have occurred when a person consumed them before and/or after performing strenuous activities.

Clearly, Higgins notes, investment in awareness and educational resources highlighting the potential adverse effects and safe use of energy drinks is required. Significant efforts should be made to educate consumers regarding the clear and present differences between soda, coffee, sports drinks, and energy drinks. Energy-drink education also should be a priority in school-based curricula related to nutrition, health, and wellness.

The ACSM is calling for a research agenda to prioritize key questions about the acute and chronic effects of energy-drink use. At a minimum, standard safety and efficacy studies should be performed and submitted to the FDA by manufacturers. Well-designed and controlled research is required to examine the increasing frequency of adverse events being reported by emergency departments.

In addition, the organization notes, healthcare providers must talk to their patients about energy-drink use and report adverse events to watchdog agencies like poison-control centers, the Consumer Product Safety Commission, and the FDA. A national registry should be set up to specifically track energy-drink side effects with mandated reporting requirements.

Among other specific recommendations, the ACSM argues that energy drinks should not be consumed by children or adolescents; should not be consumed by other vulnerable populations, including pregnant or breastfeeding women, caffeine-naive or sensitive individuals, or individuals with cardiovascular or medical conditions; should not be used for sports hydration; should not be mixed with alcohol; and should bear a label such as “high source of caffeine” or “do not mix with alcohol.”

DBA Certificates Departments

The following business certificates and trade names were issued or renewed during the month of April 2018.

AMHERST

Amherst Enterprise Park
441 West St.
Leigh Andrews

Domain Masonry, LLC
86 Kellogg Ave.
Christopher Domain

Golden 3 Counseling Services
447 West St., Suite 3
Brittanie Jemes

Gorilla Tactics
145 University Dr., #3541
Jesse Crafts-Finch

J. Hurd & Associates
220 North Pleasant St.
Jason Hurd

J. Shefftz Consulting
14 Moody Field Road
Jonathan Shefftz

Jennifer Lefort, PhD
15 Linden Ridge Road
Jennifer Lefort

BELCHERTOWN

Morning Star Graphics
238 Rockrimmon St.
Roger Duffy, Natalia Duffy

CHICOPEE

The Chinese Kung Fu Wushu Academy
551 East St.
Binh Nguyen

Electra-Sounds Entertainment
5 Julia Ave.
William Butman Jr.

First Stop Grocery
830 Chicopee St.
Sudan Curiel

Generations Salon
588 Chicopee St.
Lisa Carlson

JWI Kitchens, LLC
374 Springfield St.
Ivelesse Perez

MamaRazzi Photography Inc.
165 Front St., Building D
Jenna Medina, Jacqueline Slatton

Meraki Salon
685 James St.
Christine Peacey

RazziKids
165 Front St., Building D
Jenna Medina, Jacqueline Slatton

Serenity Salon & Spa
472 Burnett Road
Alison Metcalfe

Style and Grace Hair Studios
1735 Westover Road
Ruben Camacho Jr.

WP-HL Foundation
16 America St.
Edward Fulke

EASTHAMPTON

Brian Harrison
1 Nashawannuck St.
Brian Harrison

C.R.P. Home Improvement
73 Glendale St.
Corey Pease

Frusho
28 Golden Dr.
Christopher Cabrini

Furs A Flyin
155R Northampton St.
MaryKate Murray

Pressplayhouse Duds
312 Main St.
Matthew Goldman

Worldsongs.com
116 Pleasant St., #334
Charlie Shew

EAST LONGMEADOW

Dreamscape Properties
20 Somerset St.
Marco Basile

G & A Import Auto Repair
41 Fisher Ave.
Alfonso Gioiella

McRae Consulting Solutions
57 Merriam St.
Mary McRae

HOLYOKE

Aeropostale #112
50 Holyoke St.
Aero Opco, LLC

The Clover Pub
102-104 High St.
Michael Rigali

Creative Concepts
24 Old Jarvis Ave.
Thomas Kennedy

Giggles Daycare
53 Argyle Ave.
Siobhan Sullivan

The Honey Pot
264 Sargeant St.
Jocelyn Poirier

Hyperperformance Cuts, LLC
118 Maple St.
Hanser Perez

Mocha Emporium
50 Holyoke St.
Adel Wahhas

Quick Stop
172 Sargeant St.
Tariq Aziz Khan

Reliable Computer
867 Main St.
Daniel Deschaine

Taste Freeze
915 Main St.
Daniel Rios

Your Brother-in-Law’s Handiman Services
33 Clerk St.
Joshua Silva

LONGMEADOW

EDV Home Design and Renovation
121 Willow Brook Road
Elaine D’Alleva-Vehse

SmartCheck
17 Barrington Road
Nora MacKay, Mark Fellows

LUDLOW

The Beauty Studio Boutique Inc.
393 East St.
Marsia Nogueira, Kristen Bousquet

NORTHAMPTON

Absolute Zero
229 Main St.
Meng Qin Wang

C.L. Frank & Co.
50 Cooke Ave.
Christopher Frank

Chill Harmonics
39 Main St., Suite 3
Pamela Smith

Christopher Foley Painting
68 Bradford St., Apt. B
Christopher Foley

Compass Community Education Center
221 Pine St., Suite 320
Shelly Risinger, Elena Allee

Couples Center of the Pioneer Valley
182 Main St., #202
Katherine Waddell

Dodeca
38 Main St.
Endamian Stewart, Robert Stewart

Hygeniks Inc.
106 Industrial Dr.
Todd Marchefka

Joel Russell Associates
16 Armory St., Suite 7
Joel Russell

Kidstuff
90 Maple St.
Tami Schirch

Metalmass Records
670B Haydenville Road
Kristian Strom

MG Coaching Services
98 Pine St., Unit 6
Martha Grinnell

New England Medical Consultants Inc.
124 Maple Ridge Road
Matthew Kane, Ann Markes

Northampton Golden Nozzle #04082
304 King St.
Nouria Energy Retail Inc.

Robinson Real Estate
35C State St.
Steven Slezek

Room 6 Salon & Nails
140 Pine St., #6
Melanie Burnett

State Street Fruit Store, Deli, Wines & Spirits
51 State St.
Richard Cooper

PALMER

JKL Liquid Asphalt
244 Burlingame Road
Raymond Croteau

Marlene’s Beauty Salon
1461 North Main St.
Jean Ciukaj

Tranquility Central
1384 Main St.
Kathleen Jett

SOUTHWICK

Humble N’Kind D-Sign
352 North Loomis St.
Elizabeth Vivier

Total Home Services
445 College Highway
Geno Whitehead

SPRINGFIELD

413 Video Productions
40 Edgewood St.
Aaron Williams

All Seasons Basement Dewatering Inc.
45 Jamestown Dr.
James Kelly

Around the Clock Adult Home Care
130 Fenwick St.
Linda Sheehan

Aer Wireless
119 Maplewood Terrace
Wi4me, LLC

Banh Mi Mia
461 Belmont Ave.
Hung Nguyen

Grez Automotive, LLC
604 Boston Road
Pan Siphanoum

Hariss Beauty
20 Arnold Ave.
Brittany Franco

House of Lockhart
89 Hyde Ave.
Ramon Albizu

J M Towing
56 Loring St.
Jerry Martinez

La Marguencita Bakery
755 Liberty St.
Lorena Vicente

Little Luv Bugs Day Care
24 Mayfair Ave.
Judy Williams

Ma Chere Creole Kitchen
94 Pennsylvania Ave.
Michael Guidry

Maidpro
527 Belmont St.
Heewon Yang

Montalvo Trucking
48 Appleton St.
Victor Montalvo

Mzion Corp.
1341 Main St.
Ni Si Kim

Northeast Mountain Footwear
459 Breckwood Blvd.
Algeni Enterprises

Rex Ambrosia, LLC
145 Ambrose St.
Glenn Mills

Rock Bottom Records
114 Cardinal St.
Abdul Ibrahim Jr.

Trinity Health of New England
271 Carew St.
Mercy Medical Group

Vladmierj Tailor
66 Dickinson St.
Thuy Fuda

WARE

Blissful Moments Hair Skin Body Studio
89 Main St., Suite 4
Tenah Richardson

Dance Unlimited MA
23 West Main St.
Mary Royer

Lost & Found Mercantile
85 Main St.
Kristin Rosenbeck, Dennis Cote

Miss Sue’s Place
42 Greenwich Road
Susan Flamand

Murphy’s Painting
197 River Road
Cole Murphy

Western Mass Home Improvement
81 Greenwich Road
Christopher Wiggin

WESTFIELD

Affordable Building Contractor
26 Northridge Road
David Wroblewski

Ace Photography
29 Beckwith Ave.
Nicholas Ventura

MAR Consulting
83 Pineridge Dr.
Mona Rastegar

Power Control Services & Electric Inc.
227 Loomis St.
Power Control Services & Electric Inc.

WEST SPRINGFIELD

Arbella Insurance Group
1 Interstate Dr.
Arbella Insurance Group

B+ Clean-Outs
10 Elizabeth St.
Joseph Switzler

Ballard Mack Sales & Service
124 Ashley Ave.
John Picking

Custom Railings Tech Inc.
117 Allston Ave.
Armand Cote

Energia Massage
1111 Elm St.
Tatiana McCoy

Holiday Flowers
69 Angeline St.
Joan Marino

Olympia Junior Hockey
125 Capital Dr.
Patrick Tabb

Plato’s Closet
1472 Riverdale St.
Kathleen White

Springfield Inn
1573 Riverdale St.
Dilip Rana

Wendy’s #292
288 Park St.
Inspired By

Wendy’s #318
644 Riverdale St.
Inspired By

WILBRAHAM

Barone’s Landscaping
375 Mountain Road
Nicholas Barone

BJC Consulting
9 Whitford Place
Barry Christman

C & S Construction
9 Meadowview Road
Christian Mills

Trinity Health of New England Medical Group
70 Post Office Park
Carlos Martins

Departments Incorporations

The following business incorporations were recorded in Hampden, Hampshire, and Franklin counties and are the latest available. They are listed by community.

AMHERST

Mass Landlord Education Inc., 11 Amity St., Amherst, MA 01002. Thea L. Costine, 131 Main St., Shelburne Falls, MA 01370. To provide education and assistance to individuals new to the business of being a landlord.

BERNARDSTON

Jim Whitney Plumbing & Heating Inc., 336 Huckle Hill Road, Bernardston, MA 01337. James D. Whitney, Same. Plumbing and heating.

CHICOPEE

Interstate Carriers Corp., 78 Robak Dr., Chicopee, MA 01020. Marina Biley, same. Vehicle transportation.

EGREMONT

Kifar Zaydee Corp., 196 Egremont Plain Road, Egremont, MA 01258. Peter Neustadter, same. Real estate rentals.

HAYDENVILLE

Massachusetts Families for College Success Inc., 2 Cole Road, Haydenville, MA 01039. Marc Kenen, Same. Educates the public about the need to increase the number of Massachusetts residents who attend and graduate from college.

SHELBURNE FALLS

Ksw Home & Building Services Inc., 4 Laurel St., Shelburne Falls, MA 01370. Kelly S. Warger, same. Construction.

SPRINGFIELD

L F Meat Food Market Corp., 89 Wilbraham Road, Springfield, MA 01109. Francisco Augusto Cabrera, 55-E Stavord, Springfield, MA 01109. Grocery store products.

Mad Max Transportation Inc., 46 Haumont Terrace, Springfield, MA 01104. Max Charvayev, same. Transportation.

WEST SPRINGFIELD

JC Charter Inc., 425 Union St., West Springfield, MA 01089. John H. Cookley, same. Passenger transportation.

WILBRHAM

Kao Services, P.C., 1225 Stony Hill Road, Wilbraham, MA 01095. Kathleen A. O’Malley, same. Legal services.