13 Years Branch-Free—and Why I Still Love the Branch
January 31, 2026
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.
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,
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
Artificial intelligence is everywhere in the financial services conversation. It’s the buzz in boardrooms, the centerpiece of technology investments, and the subject of more webinars
Artificial Intelligence (AI) has taken financial services by storm, and too many professionals are responding with anxiety instead of ambition. Let’s be direct: fear is
Credit unions have long positioned themselves as the friendlier financial option. Personalized service, warm welcomes, and community connections remain hallmarks of the movement. But kindness
Too many strategic plans lead with Key Performance Indicators. That’s a mistake. When financial ratios, activity metrics, and dashboard data dominate the opening conversation, it
Let’s get one thing straight: the value credit unions deliver is not up for debate. While bankers groan about competition and regulators issue cautious forecasts,