ST. CLOUD, Minn. – Credit unions have had to deal with their fair share of regulatory and compliance issues of late, so it's little wonder that the issues are the primary concern for credit unions these days. The results of a recently completed survey by Bankers Systems among credit unions bear this up. When asked to indicate the two most pressing issues facing their credit union, the most frequent response was "compliance, regulations" (26%). Similarly, when asked the specific compliance challenges of most concern to them, the most popular response was "rapid and constant changes in regulations." The findings of the survey that was conducted by Bankers Systems among 1,500 credit union representatives, were consistent with similar studies the company has done on the banking industry, said Sue Pogatschnik, Bankers Systems' market segment manager for the credit union market. Bankers Systems has done similar surveys about banks in the past, but Pogatschnik said this was the first time the study was done among credit unions. Pogatschnik said she wasn't surprised by the survey results. Credit unions, she said, have had to deal with a high volume of regulatory changes that are very complex. "The sheer number of regulatory changes is having a significant impact of credit unions' operations." Additional information on the survey results and advice on dealing with increasingly complex regulation and compliance issues are available on Bankers Systems' compliance Web site, www.complianceheadquarters.com. Among the features of the Web site, it provides a Q&A on key regulatory areas, as well as articles on pertinent topics.