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Ent, Genisys, and Corning credit unions have each taken different approaches to offer much-needed support to area establishments.
Iterative changes drive digital growth at Truliant and Canvas credit unions.
Wes Girling adds user design expertise and project coordination to product development and process improvement at State Employees Credit Union of Maryland.
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Simeon Chapin plays an integral role in communicating and executing Vermont State Employees Credit Union’s goals to make a local and global difference.
Leaders at cooperatives across the country share how core principles are driving strategic thinking in their shops.
Dozens of credit unions and related organizations pledge to help the industry meet the diversity, equity, and inclusion challenge.
Leaders today must consider what “concern for community” means for fairness in hiring, upward mobility, and inclusiveness in the workplace.
A Pacific Northwest credit union shares lessons it learned during its eight-year journey taking a holistic view of diversity, equity, and inclusion.
After holding frank discussions with employees and communities about diversity, equity, and inclusion, these credit unions are forming DEI councils, launching targeted charities, and more.
The SVP of human resources development at State Employees Credit Union of Maryland discusses his credit union's response to the coronavirus pandemic.
The CEO at Credit Union 1 discusses his credit union's response to the coronavirus pandemic.
The CEO at Opportunities Credit Union discusses her credit union's response to the coronavirus pandemic.
The COO at Sandia Laboratory Federal Credit Union discusses his credit union's response to the coronavirus pandemic.
The chief human resources officer at Community First Credit Union discusses her credit union's response to the coronavirus pandemic.
The SVP of member experience at Premier America Credit Union discusses her credit union's response to the coronavirus pandemic.
Looking for new solutions to help your credit union navigate this crisis? Check out these featured credit union suppliers that are delivering cutting-edge products and services.
A special team at BECU delves into digital to tackle user experience at the big cooperative.
Wright-Patt and Greater Texas lean on a virtual presence to provide real service and build brand value.
Uncertainties shouldn’t dissuade an honest reflection on whether leadership teams have the right tools to tackle the tasks at hand.
Executives at the National Credit Union Foundation and Interra Credit Union share why empathic leadership is important and discuss how credit unions and communities can positively impact lives amid a pandemic.
The CEO of Border FCU, who began her career in accounting, explains how serving the underserved hews more closely to social work than anything else.
Air Force veteran and longtime ABECU executive Larry Sewell helps Together Credit Union move onward and upward.
Jerry Reese helps design and direct the evolving member experience at Honda FCU.
The Rivermark Community president and CEO began his career as webmaster and says the front-facing member experience is a priority now equal to back-end bookkeeping.
Unprecedented earthquake activity on the south coast of the Caribbean island has impacted thousands of residents. Now, credit unions are helping with the recovery.
Wings Financial’s member engagement score leverages modern methods to answer an age-old question.
At Veridian Credit Union, Angela Weekley is nearing a decade of building bridges between cooperative and community.
The Maryland credit union plans to soon go live with a decisioning system that provides speed, flexibility, and fairness.
Consolidated Community Credit Union includes a security deposit loan among its package of new mortgage products that address the housing crunch in the Northwestern city’s market.
Join Callahan & Associates and Hauser for a discussion about how Altra launched its annual day of service.
Navy FCU and Corning Credit Union operate offices in different states. Leadership, culture, and communication are keys to their success.
The SECU Foundation executive director applies the solution-focused philosophy of leadership she learned in the trenches to the community impact work she now leads.
Sean Verity brings truth in cyberspace to the world’s largest university-sponsored credit union.
The credit union leaders discuss opportunities and challenges and what they resolve to see happen in 2020.
Credit unions across the country are deploying creative solutions to engage members and encourage savings.
The SECU Foundation relies on personnel and resources from across its parent credit union to increase capacity and visibility.
John Sahagian’s career parallels the development of data as a marketing and member-engagement tool at BCU.
Funded by members, the SECU Foundation works closely with its vast branch network to balance giving and impact from the mountains to the sea.
Cooperatives are the last refuges for holiday loans and Christmas club accounts, but members can find skip-a-payment, credit card rewards deals, and post-holiday debt consolidation programs there, too.
Looking for new solutions? Check out these featured credit union suppliers.
Locating call centers across its North Carolina footprint maximizes building space for SECU and provides jobs in high unemployment areas.
A prime location and tax incentives helped Ascentra Credit Union place a new headquarters building at the heart of downtown and underscore its vital role in the community.
The CEO of Everence FCU shares why the cooperative’s mission is more relevant to a broader group of consumers than ever before.
How two credit unions in Ohio and Virginia use technology and education to win the member self-service game.
With credit union acquisitions of banks on the rise, the ABA has gone on the offensive. Sound CU shares why its recent purchase of The Bank of Washington makes good business sense and its strategies for onboarding former bank customers, employees, loans, and more.
Three cooperatives share how they transitioned bank customers after the credit unions became part of the community bank-buying trend.
A Global Sustainability Program at United Nations Federal Credit Union comprises eight goals and programs to complete over a five-year period.
A history with nonprofits and actively listening to community partners helps Heather McKissick lead her to team to excel in three high-impact areas at University FCU.
Planning and variety go a long way in helping credit unions steadily create content that showcases their brand and humanity without breaking the budget.
The Indiana cooperative is deploying dashboards and robotics to go where Excel has never gone before.
Charlie Allen digs deep into the everyday interactions between employees and members to uncover ways to improve processes at a department level.
St. Louis Community Credit Union strives to be a positive force, and it has the impact report to prove it.
How the Green Mountain State cooperative cultivated talent from within while building out analytics capabilities.
Credit unions are experimenting with employee-sponsored small-dollar loan programs at the urging of Filene and the FINRA Foundation.
The CEO of GECU shares her thoughts on what makes a great leader, teachable moments, and why more credit unions should strive to be active participants in a global movement.
A new approach to debt collection at WSECU is cutting contact center costs by $8,000 a month and identifying borrowers that need early intervention.
Alissa Sykes guides growth across the enterprise at Sunmark Federal Credit Union by continuing her love of working with math and people.
Lisa Ginter became CEO of CommunityAmerica in 2015. She knew that while some changes were needed, there was also plenty worth saving.
Five credit union leaders dish on what they did well and what they’d do differently when launching an analytics program.
UNFCU and All In take consultative and do-it-yourself paths, respectively, to achieve better internal processes and member service.
How an economic developer, money manager, and keen collaborator at the helm is empowering a green revolution at Vermont State Employees Credit Union.
American 1’s new HR specialist aims to help resolve day-to-day obstacles on a staffer’s path to success.
A small Ohio credit union includes income replacement in a loan package aimed at spurring personal and community economic development.
When Liz Hayes became CEO of Infinity FCU in 2014 she inherited an institution in need of a new direction. In gaining the trust and buy-in of her team, she helped set one.
Canvas Credit Union’s 18-month-old account was designed with younger members in mind and has attracted millions in deposits to the Colorado cooperative.
The ANATOMY series is a quarterly, multi-feature profile that explores the strategies and analyzes the performance of an exemplary credit union.
Jennifer Platt helps Suncoast integrate technology and business to meet consumer needs and expectations in an age of digital disruption.
To maintain credibility after a rebrand, Logix FCU emphasized its online reviews. In the years since, the California cooperative has received many a five-star review. Here’s how it handles those that aren’t.
After a decade of slow growth, Patelco hired a new CEO in 2013. Erin Mendez brought new ideas and jumpstarted a new culture at the California cooperative.
It’s all a matter of timing as ELGA joins in on the revitalization of a once-moribund main street in one of America’s iconic industrial cities.
The CEO of CommunityAmerica Credit Union talks about community impact, vision for teams, and why everything starts and ends with members.
The efforts of Wayne Keels underpin SAFE Federal Credit Union’s member-focused, process-based business transformation.
At Harvard University Employees Credit Union, a council of five students helps the cooperative manage messages to undergrads.
A salary advance program at one of the nation’s largest credit unions helps members stop running in place and start saving for the future.
MSUFCU journey mapped its eight-year-old online loan application process to identify, and address, pain points.
Nobody likes to hear “no,” especially when it comes to money, but credit union lenders are delivering the news and working with members to get to “yes.”
How a New Jersey credit union uses new tools to automate old jobs and free up staff to serve members better.
Coastal Federal Credit Union’s Go Green checking account pays dividends based on debit activity … and that’s it.
When Ty Muse became the CEO of Visions FCU in 2013, he brought new ideas and a new leadership style to the Empire State cooperative.
Tree-hugging roots run deep at the Vermont credit union, which offers an array of lending and deposit products aimed at fighting climate change.
First Community couples social media with big-name sponsors, giveaways, and special events to engage members and improve the member experience.
Eric Jenkins at Georgia United Credit Union puts an executive’s title to the goal of driving deposits to meet loan demand.
The Minnesota credit union is mining data and using analytics to broaden, and deepen, the member experience.
The Idaho credit union’s weatherization loan offers an alternative to high-interest credit cards and HELOCs.
Grow Financial’s analytics department has grown from a seedling department into a full-grown resource at the center of the cooperative.
CAP COM FCU is on a forward-leaning data aggregation mission that crosses platforms and connects silos across the organization.
Twenty-five years in, the Treasury Department program’s roster is dominated by member-owned cooperative financial institutions, who find a precise mission fit.
Three credit unions offer five ways to approach member experience and build successful programs.
A coaching program at Wright-Patt Credit Union teaches members how to be responsible with money while enjoying life.
The CEO of LGFCU and Civic FCU discusses the importance of living with purpose, where he finds inspiration, and what credit unions really provide members.
Friction happens, but credit unions are taking steps to improve the member experience across branches, call centers, digital banking, and more.
A high-yield savings account allows members and a credit union to achieve their savings goals.
Doing the right thing is a business model that combines profit, passion, and the pursuit of happiness.
This Valentine’s Day, see how credit unions share the love via rewards programs and other givebacks.
An automated credit card approval process at the Oklahoma cooperative makes it easy to deepen the member relationship.
The Michigan credit union is democratizing data with an enterprise approach to developing new levels of visualized insight.
Two credit unions with double-digit share growth offer insight into how they are attracting, and keeping, money in the cooperative.
Thirty-three years after the first Martin Luther King Jr. Day celebration, discrimination, immigration, and equal pay continue to fuel policies at credit unions, but more can be done.
The CEO of Texas Trust Credit Union talks about what he’s learned through the years, how he found his way from auditor to credit union CEO, and why there’s no room for a big ego when it comes to helping members.
The Massachusetts credit union is working across the enterprise and with other credit unions to make the most of data visualization software.
Stacy Armijo works across her enterprise and the community to promote member service and brand awareness at Amplify Credit Union.
The power of data analytics to inform and personalize credit union outreach represents a new frontier for member service.
Members compare their credit union experience against all other service providers, and anything but a seamless experience can have a dramatic impact on the relationship.
The CEO of LGE Community Credit Union talks mentors, teams, and putting members first.
Debt management mixes with the financial cooperative ethos in a year-round campaign for financial health.
Debra O’Bryan helps employees be the best version of themselves at CommunityAmerica Credit Union.
A leader of St. Louis Community Credit Union shares how the cooperative works every day to be “the social conscience of banking.”
The New Mexico credit union’s year-round financial wellness and literacy efforts take on even more meaning this time of year.
Marketing leaders from three credit unions share strategies for how they nurture positive reviews, respond to negative ones, and retain members.
Members Advantage Community Credit Union's holiday loan meets member needs over the holiday season and uncovers opportunities for credit building all year long.
Dupaco Community offers an annual payout to members who save, borrow, spend, and use ancillary services at the credit union.
Consumer education and technology tools are the best defense against offensive fraudsters.
The Palmetto State cooperative encourages small businesses to think big with banking, management, and consulting services.
The Save My Change program at Community First of Florida helps members build savings and the credit union build interchange income.
Black Friday specials at Service Credit Union offer a way to show members and staff some appreciation.
Credit unions with a core processing platform and basic business intelligence software can start identifying missed opportunities today.
How Redwood Credit Union pushed more than $30 million to communities impacted by the most destructive wildfire in California state history.
Esmi Rivera helps Notre Dame FCU spread financial wellness and opportunity one member engagement and workshop at a time.
The CEO of Canyon State Credit Union shares valuable lessons learned through rebuilding troubled organizations.
On the platinum anniversary of International Credit Union Day, CreditUnions.com looks at how different credit unions return value to members to showcase the credit union difference.
Credit unions across the country offer members better rates, reduced fees, and other patronage perks. That’s something to celebrate.
On the platinum anniversary of International Credit Union Day, we look at how some credit unions are offering patronage perks to showcase the credit union difference.
Robotic process automation at Suncoast Credit Union allows the Florida cooperative to dial up assistance when disaster strikes.
Fort Knox FCU is raising rates on its money market account to discourage members from taking their business elsewhere.
Affinity Plus Federal Credit Union redirects incentive payouts on ancillary loan services to contribute to foundation funding.
Consumers Credit Union’s 5 Star Difference program incents staff to identify positive promoters during member interactions.
St. Mary’s Bank used the power of data visualization software to introduce stronger business intelligence and analytics into the organization — and into the strategic decision-making process.
The CEO of Anheuser-Busch Employees’ Credit Union talks inspiration, role models, and finding opportunities.
Carrie Jenkins is leading Centra Credit Union on a new journey into predictive analytics powered by a new core processing system and data warehouse solution.
A growing list of cash-back rewards for member engagement is a linchpin of Rogue Credit Union’s loyalty strategy.
Laura Hansen’s role at Rogue Credit Union creates happy members and supports the staff that keep them that way.
Five executives from credit union and league foundations discuss start-up capital, ongoing financial stability, and more.
Travis Flora is in charge of ensuring silo-free communication and individual empowerment across Commonwealth Credit Union.
In search of liquidity, Day Air Credit Union introduces a five-year certificate at 3.05% APY.
The president and CEO of Cornerstone Credit Union League shares her thoughts on the importance of focus, finding inspiration, and what she’d like to see more of within the credit union industry.
BCU started small and developed its business intelligence on a case-by-case basis. Now, 12 years in, the credit union is considering how to re-engineer its data depository.
A monthly collection of Callahan content that, together, addresses a single topic from a variety of perspectives.
Credit unions across the country are boosting their minimum wage.
How Las Colinas FCU’s student-run branches in area elementary schools help hone a savings habit.
Innovations FCU responds to 100% of online reviews within one minute on average. Sometimes that’s a ‘like.’ Other times, it’s a reply from the CEO.
The president of the California and Nevada Credit Union League shares what drew her to the credit union movement and why she thinks more collaboration is a must-have for the future.
In a world of rising healthcare deductibles, one Keystone State cooperative is using health savings accounts to help members take control of their finances.
Everence FCU lives out the principle of stewardship through loan, investment, and deposit products.
A loan doesn’t have to be massive to be mighty. These high-impact programs have an outsize effect on members and communities.
Technology Credit Union has repositioned its balance sheet to prepare for today’s rate environment.
A CFO-led team of four specialists and an intern collaborate across the enterprise at the world’s largest university credit union.
CommonWealth Central strikes a chord with a campaign that builds excitement among staff, members, and community.
Mike Lindberg leads a team that unifies business intelligence and focuses on returning value to the members of Wings Financial.
An internal program at Wings Financial builds serious data skills for interested employees.
The CEO of Affinity Plus discusses the importance of transparency, the benefit of leading a different kind of team, and the power behind the movement’s voices.
Jeanne D’Arc, one of the country’s oldest credit unions, taps into its mill-town past to demonstrate its commitment to its hometown’s future.
For Financial Center First FCU, using predictive analytics to inspire action is all in a day’s work.
The new member advocacy team at Georgia’s Own advocates for the member experience across technology, sales and services, and more.
The CEO of ALM First Financial Advisors talks early risks, leadership skills, and winding career journeys.
In the age of chatbots and virtual assistants, frustrated members respond to a human touch — and ear.
The smart use of data analytics can turn a credit union’s communications strategy from potentially creepy into authentically clever.
Miller Devenny makes connections with millennials and more at South Carolina’s largest credit union.
Clearview FCU has launched an enterprise-wide strategy to engage and delight members.
John Fair steps up as the second in command and touches everything from loan approvals to facilities management at Peach State FCU.
Silver State Schools’ savings program has helped students in low-income schools tuck away more than $250,000 in five years.
Credit unions can use consumer complaints to differentiate themselves from their competition.
Adele Glenn holds together the present while building for the future at Credit Human FCU.
After the Category 4 Hurricane Harvey decimated parts of southeastern Texas, TDECU vowed to keep 100% of its members in their homes.
Quicken Loans might be underpinning the revitalization of Detroit, but financial cooperatives are serving the long-awaited renaissance in their own ways.
Veterans programs, financial wellness, and food donation are three ways the Kentucky credit union serves its local citizens.
A new member experience initiative at CommunityAmerica Credit Union puts the future of members into the hands with the most skin in the game — their own.
The “Guy in Flannel” series is the latest in a creative venture into market engagement and financial literacy for Virginia Credit Union.
Lottery-driven savings accounts through state leagues and individual credit unions add an element of excitement to a positive financial behavior.
This Callahan Collection examines how credit unions approach headquarter building and design.
How one Wisconsin credit union encourages members to reduce debt and improve their debt-to-income ratio.
A $112 million loan financed through a consortium of credit unions shines a light on the impact of the cooperative model in rural America.
This “reformed” CFO shares how he shifted his focus from crunching numbers to building relationships, how he developed emotional intelligence, and why organizational mission matters.
How data analytics and life experience drive record auto loan production at Oregon Community Credit Union.
In search of a new strategy to raise deposits, Credit Human partners with University FCU in a one-of-a-kind member-sharing arrangement.
The CEO for University of Iowa Community Credit Union shares how developing relationships, solving problems, and uncovering opportunities have helped the cooperative thrive.
Credit unions offer holiday-based financial tips that focus on year-round financial wellness.
The venerable holiday savings plan still helps thousands save millions each year at credit unions across the land.
Online reviews have an outsized impact on a credit union’s bottom line. Here are a few do’s and don’ts for responding to this digital feedback.
Member check-ins through the online review site helps Financial Partners move up in search results.
How CFE Federal Credit Union prepared for and responded to a storm that brought triple-digit-force winds and a state of emergency to the Sunshine State.
BCU works to provide cash and information for its 37 employees and 30,000 members in Puerto Rico as the island faces down a crisis after Hurricane Maria.
A total online brand presence now trumps corporate websites and slick branch locations when it comes to building credibility.
OneAZ Credit Union’s “data lake” provides a single, comprehensive view of member relationships.
The CFO for One Credit Union in Vermont talks early lessons, inspiration, and hopes for the future.
In this Callahan Collection, eight credit union chief executive officers offer their opinion on what it takes to be a successful CEO and how to build that success from day one.
Managing risk and building relationships helps two small credit unions lend to C-D-E-paper borrowers.
Capital adequacy, asset quality, earnings, ALM, productivity, and growth underline quarterly financial performance for credit unions.
How one credit union built on a history of quirky videos to engage members via social media and capture more than 100,000 views.
A Texas credit union’s marketing campaign for Gen X women speaks directly to the family CFO.
Suncoast Credit Union’s decade-long investment in solar and sustainability have brightened its triple bottom line.
Credit unions in California and Vermont share how they help employees maintain healthy habits.
The head of Orange County’s Credit Union talks leadership, mentors, and recruiting — and retaining — the best associates for her team.
The CEO of DOLFCU talks about thinking differently, working collaboratively, and taking chances.
Thinking of buying a bank? Check out these best practices and insights from credit unions in the know.
The senior vice president at Directions Credit Union discusses strategies for developing new managers and challenging senior executives to think differently in the face of disruptive change.
For many, thinking about the credit union as a whole is a brand-new experience.
The concern around disruption in financial services is greater than ever before, but your credit union can take critical steps now to look at disruption through a different lens.
A new approach to member service helps credit unions better understand the underlying needs of members and serve them more effectively.
Metrics to evaluate credit union marketing spend and bridge the gap between macro trends and micro performance.
What do boards want from CEOs? Ask Ida Bowen, who served on the board of Deepwater Industries Federal Credit Union before becoming its CEO.
The CEO of Community Credit Union offers her view on adaptability, tough conversations, and industry needs.
The marketing director of Affinity Plus FCU talks about micromanaging, leadership vulnerability, and onboarding new members after the Ditch Your Bank campaign.
The California credit union gained the framework for team collaboration on innovation through the Callahan Leadership Team Development program.
The chief financial officer of First Community in Texas talks about questioning authority, the regulatory environment, and the future of credit unions.
The vice president of human resources at SECU of Maryland shares insights on managing HR through organizational change, branch modernization, and shifts in brand and culture.
Family Trust FCU uses a new headquarters building and artwork commissioned from local college students to underscore the connection between the cooperative and the community it serves.
Callahan's LTD program combines Harvard Business School learning with collaborative, hands-on problem solving.
The senior human resources manager at Credit Union 1 in Alaska shares tips to work with an office full of millennials as well as a veteran perspective on hiring and firing.
Lending is the engine that powers credit unions, and these seven ratios will help every employee understand why.
Eric Givens, senior director of digital banking at Arizona Federal Credit Union, talks technology and understanding what makes millennials tick.
In the increasingly competitive world of consumer experience, delivering a good member experience isn’t good enough. At Orange County's Credit Union, the entire organization aligns to ease pain points.
For a credit union with nearly $14 billion in assets, BECU receives few complaints. Here are three of the institution’s best practices in resolving and managing complaints.
Wendy Bryant-Beswick, chief marketing officer at Generations Federal Credit Union, talks about digital transitions, max-value mediums, and why marketers deserve a dedicated seat at the strategy table.
Why three credit unions are turning to team-based learning to develop current and future leaders.
A bigger team and new channels are just two of the advancements that help the California credit union better address member feedback.
Experiences in high-tech manufacturing, small business services, and the rodeo have prepared Kim Alexander, executive vice president and chief financial officer of Warren Federal Credit Union, for her role at a high-growth credit union.
Joy Wilson, chief administrative officer of ORNL Federal Credit Union, talks about identifying talent and competencies, collaborating, and managing through dynamic change.
TopLine Federal Credit Union shares lessons learned and best practices for building a 501(c)(3) affiliate.
The key to any foundation’s success is its ability to expand its coffers.
How Mazuma Credit Union created a foundation to supplement community service volunteerism.
Make the answers to these four questions the cornerstones of a nonprofit foundation.
How Keesler FCU is using a marketing systems manager to springboard into enterprise-level business intelligence.
Hilary Eisbrenner, chief financial officer at Keesler Federal Credit Union, shares thoughts on leadership, industry challenges, team-building, and dream-following.
Erin Mendez, CEO at Patelco Credit Union, describes how changing a culture requires tough decisions, collaborative work, and faith in those around you.
Griff O’Brien, senior vice president and chief membership officer at Advantis Credit Union, details his recipe for cultural success at a large credit union.
Jon Hernandez, the CEO of three California credit unions, describes his work-life balance, the importance of collaboration, and the logic behind a screen-door leadership policy.
Susan Makris, senior vice president and chief human resources officer at Patelco Credit Union, explains the importance of leadership style and culture within a growing credit union.
Lending officers are under constant pressure to produce loans. These five benchmarks give CLOs a place to start when managing lending activities and communicating about the health and growth of the credit union.
The combination of many ratios offers a complete picture of a credit union’s operational performance. These three will help COOs communicate successes and opportunities in meeting overall goals.
Wayne Hood, senior vice president and chief legal officer at ORNL Federal Credit Union, reflects on his leadership style, sources of inspiration, and the potential for some mutually beneficial alliances with banks.
Staffing costs are a typical credit union’s largest operating expense; therefore, tracking the performance of the workforce is crucial.
The vice president of human resources at USAlliance Federal Credit Union talks career paths, talent identification, and management philosophy. Notable quote: “Reach for the moon; if you slip and fall, you find yourself among stars.”
Debra Vollmer, senior vice president at Langley Federal Credit Union, reflects on her leadership style, lessons learned during her career, and opportunities for the industry.
When demand for refinancing subsided, two credit unions spun off their programs differently using the same concept.
CUSOs Come In All Shapes And Sizes, Yet All Prove Helpful In Improving Earnings And Saving Money.
Where Do Credit Unions Go For Inspiration?
Space Coast Credit Union looks for the underlying problems that cause dissatisfied members.
An annual competition for families to improve their finances boosts one credit union’s business and its standing in the community.
The ability to create shared member value differentiates credit unions from other financial services providers.
The credit union charter saved an ailing Indiana bank, retained local ownership, and assuaged community concerns regarding employment and sustainability.
After gaining 11 branches and numerous financial relationships from a local bank, Royal Credit Union hit the ground running.
The advantages of mergers and acquisitions extend beyond balance sheet growth, and United is diligent about identifying opportunities that offer the best fit.
Key metrics to evaluate your credit union and bridge the gap between macro trends and micro performance.
How Royal Credit Union managed the largest and most ambitious acquisition in the industry’s history and, perhaps, changed the future of credit union expansion.