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As the financial services industry has become more competitive, credit unions have been caught up in it. At times the cooperative spirit seems to be dying on the vine. Then something comes along and sparks your internal feel-good receptors for the cooperative, not-for-profit credit union spirit.

Members come to credit unions for financial services, period. Some credit unions can afford to go beyond the basics. My credit union, at $335 million in assets, for example, has a children’s play area. Essential? No. But a nice touch for those of us who need to go in to the branch to make a 90-second transaction, which kids in the single-digit age range find interminably long.

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