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
For more than 90 years, the credit union movement has grown by serving people others overlooked. That legacy matters. But here’s the uncomfortable truth: the
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 are no strangers to constraints. Margin pressure. Talent scarcity. Regulatory friction. Technology gaps. Competitive noise from banks and fintechs with deeper pockets
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,
Credit unions are entering a period where growth is neither automatic nor evenly distributed. Loan demand fluctuates. Deposits are increasingly price sensitive. Talent costs remain
For decades, scale in financial services has been treated as a blunt instrument. Bigger balance sheets. Bigger footprints. Bigger mergers. Yet the next era of
