There are few ideas that are discussed in credit union circles more than the need for increased and more effective collaboration. This isn't just a recent topic of conversation. I've been privileged to work in our industry for more than 20 years, both in credit unions and for the leagues that support them, and have experienced the need for more significant collaboration being promoted for the past two decades.

Interestingly, you rarely, if ever, hear someone argue that increased collaboration would be a bad thing. So, if most agree that increased and more effective collaboration is desirable, why does it remain so elusive?

I have worked closely with several significant collaborative efforts and in my experience, the following are the most difficult hurdles:

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