Merger and acquisition business strategy.

One of the clearest trends in U.S. credit unions today is organization consolidation. CUNA Mutual Group’s most recent Credit Union Trends Report commented on this trend with the following, “As of April 2018, CUNA estimates 5,724 credit unions were in operation, three fewer than March (2018). During the first four months of 2018, approximately 76 credit unions ceased to exist because of mergers, purchase and assumptions, or liquidation. This rate is slightly faster than the 65 reported during a similar time period in 2017. Expect the annual decline in the number of credit unions to be about 250 per year over the next two years as competitive pressures rise on smaller institutions.”

As mergers become more common, we find the merged organizations generally operate on a more efficient and growth-oriented basis.

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