Recommended Reading (2Q 2020)

Callahan’s associates offer their take on the best books for credit union leaders.


How To Be An Antiracist

by Ibram X. Kendi

Do Black lives matter? It’s a simple question. Yes or no?

Either Black lives DO matter, in which case, saying yes should be easy. Or — regardless of your intent or belief — most people asking will hear your answer as “No, Black lives DON’T matter.”

On this question, there is no middle ground, no neutral. That’s the premise of Ibram X. Kendi’s book-of-the-moment, How To Be An Antiracist. Professor Kendi, director of the Center for Antiracist Research at Boston University, argues across a sweeping review of racist policies and ideas that the option “not racist” is not a thing.

As inflammatory as this might sound, the argument resonates with me. I heard the same thing 30 years ago as a grad student in South Africa. I was told time and again — by people from across the social and political spectrum — that whether I liked it or not, I could never be neutral. Either I was actively working to end apartheid, or my participation in society was helping it survive. That’s the basic idea behind Kendi’s book, too.

Part treatise, part polemic, and part memoir, the book covers ground I never saw growing up in a lily-white Midwestern suburb. Now, I’m a 50-something male WASP writing on a subject I know little about. The book — arguably written for someone like me — challenges the reader to think and learn, assures them they’ll fail, and promises that is okay … as long as they keep working at it.

Kendi defines racism as the blend of policies, practices, and “ideas that produces and normalizes [or sustains] racial inequities … when two or more racial groups are not on approximately equal footing.” He defines “antiracism” as any effort to change this or redress the inequities that racism causes and maintains. Simple, clear, uncompromising definitions that might offend some readers because they leave no gray area.

That’s why answering “yes” matters. In Kendi’s construct, anything else endorses unfair treatment and unequal outcomes for different racial groups. To be an antiracist, one must actively work to reverse inequities and all the elements of society’s structure — including written policies, unwritten practices, and embedded biases — that support inequality. Kendi argues that tolerance or acceptance of any of this is racism.

Dig into the book and you’ll find even more contentious assertions. Society categorizes people by race, sex, and ethnicity, but these are artificial constructs, a “mirage” that doesn’t excuse bad individual behavior or justify observable inequity. As a result, Kendi contends the only possible explanation for inequality of standing, influence, opportunity, or outcome among different “groups” is intention: the system of racist and other discriminatory policies exists to create, protect, and increase our society’s inequitable distribution of wealth and power for the benefit of those at the top.

Following this through to its rational conclusion, the idea of a color-blind society is a “post-racial myth that … if we stop identifying by race, then racism will miraculously go away.” According to Kendi, those who support this idea do not realize that then “we will not be able to identify racial inequity,” correct it, or change the underlying policies and practices that produce or sustain it.

Ultimately, it’s these perception-stretching ideas that make this book important for our industry. Credit unions are supposed to be the anti-discrimination activists of the financial services world. The industry was created to redress policies and ideas that justified denying people access to banking products and services. We were the solution. The problems vividly documented here are a reminder that our work is not yet done.

Kendi wrote this book while fighting Stage 4 cancer. It’s an unusual yet compelling combination of quasi-Christian religious tract and rage against the dying of the light, both angry and redeeming. And perhaps that’s a good description of the author’s persona as well. In his world, it’s not just about the police, the rich, government, or any other villains we might conceive of. We’re all sinners, all guilty, and all capable of redemption if we confess the error of our ways and repent.

How To Be An Antiracist is challenging, provocative, and perfectly timed. It will make you think about things differently.

— Chris Howard, Senior Vice President, Callahan & Associates

This article appeared originally in Credit Union Strategy & Performance. Read More Today.




Sept. 28, 2020


  • well written review. Might push the cu model a little further. It is supposed to be self-empowering for all groups living at the margins and what to move up together. Today that coop opening has been largely shut off for new charters.
  • Thank you for your thoughts and observations. I share your hope and your frustration. Over the years, the cooperative model has been a powerful way to extend access to financial services. Arguably, there's as much need for that today as ever, yet regulatory fear has all but taken it off the table.
    Chris Howard