Grow Boldly, Stay Grounded
May 1, 2026
Credit unions are entering one of the most consequential growth cycles in their history. Charter flexibility, digital reach, business services, and strategic mergers are opening
Credit unions are entering one of the most consequential growth cycles in their history. Charter flexibility, digital reach, business services, and strategic mergers are opening
The role of the credit union board chair is not getting harder; it’s getting more important. At a time when members expect more, competition is
There was a time when the phrase “share draft” felt modern. It was progressive. It was distinct. It was proudly credit union. We didn’t offer
High-performing credit unions don’t stand still. They refine. They sharpen. They build. At the 10XCU level, success is not something to protect; it’s something to
There’s a dangerous trap forming in credit union leadership today; and it doesn’t look like failure. It looks like success. Strong net worth. Solid ROA.
In boardrooms across the credit union industry, a familiar question appears on slides and dashboards: “Will we reach our goal by the target date?” The
Credit unions operate with purpose, intimacy, and local insight; advantages most financial institutions would pay dearly to replicate. Yet many still communicate on a slow,
October 6, 2012 is the day I stopped visiting a credit union branch. Not out of protest—out of progress. Remote deposit capture was my gateway.
Credit union leaders love a clean story. A decisive Board. A visionary CEO. A bold strategic plan that launches something new and meaningful. It makes
Credit unions don’t have a data problem. But, they may have a meaning problem. We measure everything—ROA, efficiency ratio, net worth, loan growth, deposit growth,