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Credit unions have faced tough times over the last few years, and they’re only going to get tougher. Though the economy may improve, credit unions will not get the bounce they expect if they aren’t forward thinking about their business. The banking business is overcrowded and fiercely competitive. Competing on price is a fool’s errand as anyone can do whatever it is you’re offering cheaper and probably faster. Training for bigger smiles to greet members will only lead to frowns for the C-suite.

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