The dinosaurs didn't have the brains or the tools to see itcoming, but credit unions do. Fiserv's Mark Sievewright discussed ISIS among other threats to creditunions last week at the New Jersey Credit Union Leagues' RealityCheck (see coverage, page 6). CUNA Mutual's John Lass toldattendees that CUs are under a serious threat as financial deliveryservices evolve rapidly, and at least in the ISIS case, creditunions aren't even at the table. CUNA Mutual was working onthat.

Several interlocking pieces to this puzzle can help CUs getinvited rather than an afterthought. 

First, there's the principle of “fake it, 'til you make it.”Convince yourself you're as good as you think you are. Then, ifyou're not there, get there fast. Credit unions have long sufferedfrom self-esteem issues. Many, though not enough, are beginning toemerge from that mindset. Those that are, keep working at it. Therest, please speak out. If the industry isn't included at the tableof something as monumental as ISIS, dramatic (tragic?) changes tothe community lie ahead.