Golden State credit union leaders gather in Los Angeles this week for their league's annual meeting and convention.
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Compared to the second quarter of 2013, membership declined at 54% of the nation's credit unions in the second quarter of this year, according to the NCUA.
Credit unions in New Jersey have the lowest drop, Alaska has the highest growth in membership.
Read how the midterms could affect credit union legislation and regulation.
Credit unions fare the worst compared to other lenders in 30-day and 60-day delinquency increases.
By deliberately lending more to members with near-prime credit scores, credit unions are beefing up their balance sheets.
Despite daily announcements of credit unions converting to new core processors, some say long-term core relationships are best.
For some credit unions, a stronger insurance product and service offering is worth the time and expense.
Building a stronger presence within the insurance sector may also be worth the effort because it keeps members close to home.