I hate being cold, and if it's below 70 degrees-OK 75-I'm cold. However, cooler weather for many parts of the United States also means it's time for International Credit Union Day. Of course in Australia, home of the one of the most developed credit union industries, it's a credit union rite of spring.

Springtime is a time of hope. Plants are budding, fawns peek out from behind their mothers to nibble fresh grass and birds sing in the trees. For Christians, it's when Jesus rose from the dead. And International Credit Union Day is a time of hope for the credit union community around the world.

The industry should recognize that this year, particularly as it concerns American credit unions, we need all the hope we can get. The last couple of years have been anxious for many and even bitter. It's turned credit union executives against each other, against regulators and, in some instances, everything.

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