Credit unions saw 16% of their cards hit by fraud in 2013, compared to 12% for community banks and 14% for large banks.
The restaurant chain is the latest retailer to suffer a card breach, according to security blogger Brian Krebs.
If banks can beat retailers in the race to adopt EMV technology, they may have a fraud liability advantage.
A new report from Aite Group says 70% of credit and debit cards will have EMV chips by December 2015.
The big box retailer will launch the proprietary credit cards June 23.
Gregg Steinhafel steps down from his position as CEO and board chairman following Target's major data breach.
Public relations, competition and unwanted scrutiny from regulators are preventing cyberattack information sharing.
The EMV Migration Forum expects another 100 million EMV-enabled cards will be issued over the next year.
Confusion over what chip and PIN technology can and can't do has experts questioning if EMV implementation is a good idea.
New information shows that the threat was identified, but was not considered large enough to warrant immediate response,