Insight
Analysis for credit union boards and CEOs: quarterly merger data, independence and succession decisions, and bank acquisitions.
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Scale · Insight · January 2026The Hidden Drivers of CU Consolidation
Why So Many Merged Credit Unions Report Negative ROAA—and What the Data Really Says About Scale The third quarter of 2025 sparked renewed debate across the credit union m…
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CEO retirement · Insight · August 2025The Perfect Storm: CEO Retirements and Industry Consolidation Create Strategic Succession Opportunity
What if your credit union could achieve better economies of scale and find the perfect CEO to lead your organization in the future?
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Remain independent · Insight · July 2025Credit Unions Must Evolve to Thrive
Any credit union using yesterday’s business practices to operate in today’s fast-paced business environment will struggle to survive into the future. The best-performing …
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CEO retirement · Insight · June 2025What Should You Be Looking for in a Successor CEO?
Succession planning is getting considerable attention in 2025, as the deadline draws nearer to the NCUA final rule requiring that federally insured credit unions have a w…
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CEO retirement · Insight · June 2025In Prioritizing Succession Planning, Credit Unions May Also Wish to Consider Mergers
Succession planning has been a hot topic in the credit union space over the last several years, fueled in part by the National Credit Union Association’s rule that requir…
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Scale · Insight · June 2025Three Pathways for Credit Unions to Achieve Scale
Scale is one of the hottest topics in credit union operations these days. With the rising cost of technology, operations, talent acquisition, and other business functions…
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Bank acquisitions · Insight · May 2025Credit Unions Find Viable Growth Path with Bank Acquisitions
For decades, credit unions and banks experienced no crossover in their merger and acquisition strategies. Credit unions merged with other credit unions, banks acquired ot…
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CEO retirement · Insight · February 2025NCUA Final Succession Planning Rule Explained
In December, the NCUA approved its final credit union successional planning rule, which requires federally insured credit union boards to establish succession planning pr…
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Right partner · Insight · April 2024Careful Planning is Essential to Successfully Executing a Merger with Another Credit Union
Difficult economic conditions, increased funding costs and competition from larger institutions will continue to drive credit unions to combine to sharpen their competiti…
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CEO retirement · Insight · November 2023How the Demand for Tech Talent Complicates Succession Planning
Succession planning for credit unions has become more complex these days because of the rapidly evolving skills required to run a financial institution. The rise of finte…