By 2025, experts estimate there will be only 4,500 creditunions.

CEOs at the nation's 40 state leagues are working to repositiontheir organizations for this future credit union landscape. Assmall credit unions continue to merge into larger ones, many of thesurviving cooperatives are expected to expand not only in theirhome states but across state lines and will need leagues to supporttheir operational and political needs.

Despite the decades-long merger trend in which 16,617 creditunions were lost from 1970 to 2012, league mergers didn't take holduntil recent years. From 2007 to 2013, 16 state leagues merged. Tenof the credit unions formed two-state leagues and six merged tocreate three-state leagues.

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