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Congress, state legislatures, the media, consumer groups and the general public continue to shine a spotlight on the strength of financial institution management. This same spotlight is shining on the strength of state and federal regulatory examination and supervision procedures. In the credit union system, growing compliance requirements and the increasing complexity of credit union operations have made the work of credit union executives and their examiners that much more challenging.

Lately, the credit union system has been publicly discussing the state of examinations and the supervisory processes of regulators, both state and federal. The downturn in housing and the job market has had a major impact on all financial institutions, including credit unions. With the assessments and premiums associated with the corporate situation, credit unions are facing a unique set of difficult economic circumstances.

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