Don't believe the hype that smaller credit unions just can't compete.

"The biggest thing is all of us need to abandon that old way thinking," said Kelley Parks, who specializes in helping small credit unions with her firm gira{ph}. "If anything, the past few years taught us about too big to fail banks is that if you look around, there've been more than a few disruptive Davids beating out Goliaths across industries. In-n-Out Burgers has only seven menu items, and they own their markets. It's not about who has the biggest marketing budget wins. It's about delivering what your members want, and smaller niche organizations can have the advantage by being very nimble."

She added that about 70% of credit unions are under $25 million in assets and serve some defined niches such as teachers, firemen and others. And it could be argued that these smaller credit unions are closest to really knowing their members' needs and can react and respond quickly.

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