Everybody's talking about cybercrime, and the hacks and thefts at giant organizations. In all likelihood, you know someone who's been affected by hacks at a major retailer, for instance. As a credit union, small or large, you may think you're too small a fish to be a target. But that is far from the case: According to the 2016 Internet Security Threat Report, Symantec's annual analysis of cybercrime, attacks against small businesses are rising rapidly, with 43% of attacks targeted at small organizations [defined as fewer than 250 employees] in 2015.

Your credit union touches a lot of incredibly valuable information, so you are a natural target of scammers great and small.

Are you thinking about cyber fraud as much as you should, or are you counting on your account administrators to protect you? The truth is, administrators can only do so much. Everyone who has access to your members' finances must take precautions. And that includes you. It's enough to make a credit union executive paranoid — and maybe that's a good thing.