As is tradition, Credit Union Times' Year in Review issue is when I make predictions for the upcoming year. I predict YIR 2012 will be no different. 

Last December I wrote that forward-looking leaders (and those with the resources) would grab the reins of Bank Transfer Day and hold on tight; those who chose (I know some were blocked by SEGs or other reasons) to disregard BTD chose to disregard what it is to be part of a movement. The numbers do not lie. The industry overall is experiencing tremendous growth at 2.8% in the 12 months ending in October and 2.4% year-to-date, according to CUNA. However, not everyone is on the member growth bandwagon, Glatt Consulting uncovered. Credit unions with $50 million or less in assets experienced flat to negative membership growth through 2012. Only the larger credit unions reaped the benefits. Those in the $500 million and larger range had 4.59% membership growth.

CUNA Mutual Chief Economist Dave Colby added that 100 fastest growing credit unions accounted for 82% of all the membership growth in the third quarter of 2012. On the other end of the spectrum, 3,241 credit unions or 46% reported declines. They make up roughly 15% of the industry's assets.