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Along with the turkey and all the trimmings, this is the time of year to give thanks. For credit unions, there are many things to be thankful. Yes, there are a tremendous number of challenges out there facing credit unions, but let’s put on the rose-colored glasses, look at our glasses half full and focus in on just a few of the good things going for credit unions.

- De Novo Is Possible. It’s a fact. De novo banks pop up all the time. In a lot of cases it’s purely an investment model, nothing to do with long-term banking plans or how to serve a community. Investors get together and create a new community bank with the vision of selling it off and getting a nice payday. It works quite well.

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