Expert Opinion

There were 70 CU mergers in the first six months of 2021, down one from last year at this point but continuing a decades-long trend.

Credit unions without a differentiated strategy will sooner or later be acquired.

Successful CUs differ in size, location, FOM and charter, but tend to make the same five strategic moves.

Credit unions need to take on the mindset of the challenger and create a unified stack of solutions.

To better plan and allocate their own resources, credit unions should begin implementing the new expected loss method now.

When viewed through a strategic lens, complaints from members and others create space for conversation around getting better.