Credit unions struggle with regulatory burdens while attemptingto tackle new forms of financial transaction technology. Smallcredit unions become part of larger institutions, either by choiceor by directive. The shadow of taxation troubles the U.S. financialcooperative movement, while globally, credit unions serve morepeople in other countries than ever before.

Welcome to 1990, where the issues were much the same as they aretoday. The more things changed, pundits noted, the more they stayedthe same, only more so.

But despite the similarities over time, credit unions havedramatically changed in the past 25 years while retaining the corephilosophy that have given them an edge in the consumer financialservices market. The same may be said of their primary tradeassociations – CUNA, the state leagues and NAFCU.

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