Back in 1908, when Monsignor Pierre Hevey was setting up America's first modern-day credit union in his Manchester, N.H. home, he probably wasn't concerned with delinquencies and charge-offs. As the founders of the modern American credit union, Hevey and his team focused on services important to his parishioners at the time: safety, opportunity and equality.
We, as credit unions, live and work in a very different world today, a world with ever-increasing competition, ever-changing technology and ever-present regulation. We live in a time of accelerating change, where there is a lot of pressure for organizations to grow and adapt or face being left behind.
More and more, today's financial products are becoming commodities, but it is the accessibility and how and when these products are being delivered that determines who gets the business.
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