MADISON, Wis. – A recent TowerGroup report finds that credit unions shouldn't dismantle their branches just yet. "Despite massive innovation in the delivery providers, the humble branch still remains the center of any delivery system. Even households that have embraced the most advanced channels continue to use branches on a regular basis," said TowerGroup Delivering Financial Services in the 21st Century author Doug Andersen. "Thus, financial services providers are experimenting with new branch models that cut costs and/or increase the likelihood of selling new services and products to existing customers." The report reveals that 85% of consumers use a branch at least once a month. Other TowerGroup research reveals that even among online consumers that conduct 75% or more of their financial transactions via remote-banking channels, over 70% visited a branch at least once in the previous month. For more information visit CUNA's Web site www.cuna.org and enter "TechSOHO" in the search box.