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Every decision is a risk and every risk is a decision. This is a mantra often recited in military science. While it might be obvious why the military holds this mantra, it also applies to credit unions.

Historically, financial institutions tend to be risk averse in both their long-term strategic planning and unforeseen, daily operational challenges. This risk aversion is sensible, as all credit unions are beholden to key metrics such as loan to share or net worth to asset ratios. Outpace these metrics and your credit union can be in real trouble. However, a credit union leader can use modern data-driven decision making to take the uncertainty out of risk.

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