As we wrap up 2015, it's hard to believe that another yearhas passed, but with 2016 right around the corner, I'm actuallystarting to get excited. To me, a new year means a new beginning,and for some of us it also means resolutions. Many resolutions areset for personal reasons and empower people to be their bestselves, such as quitting smoking, eating healthier or becoming moreactive.

You've probably already guessed mine from my recent posts – it's to put my Fitbit to good use andget more steps in a day. But the New Year is also a great time forcredit unions to think about resolutions and goals they would liketo achieve within the next year.

I like to get an early start on my business plans by taking intoaccount what we've achieved over the last 12 months, where westruggled and any overarching trends that either helped us reachour goals or impeded progress.