I hope you're having an enjoyable holiday season! I took a brief pause in our publishing schedule to recharge, but I'm back this week with a critical look at the state of the industry.
While the data shows credit unions are safer than ever, it also reveals a troubling trend: we are slowly shrinking!
Featured Post
The Safety Paradox: Why the Industry is Safe, Sound, and Slowly Shrinking
On the surface, the credit union industry appears stronger than ever. As of the third quarter of 2025, the aggregate CU HealthScore stands at 5.81, placing the industry firmly in the Low Risk category.
However, beneath this veneer of safety lies a critical structural vulnerability. We call it The Fortress Trap.
Our latest analysis reveals that while financial soundness metrics are excellent, relevance metrics—specifically membership growth—have collapsed. The industry has inadvertently entered a state of managed run-off, maximizing the safety of a static member base while failing to attract the next generation.
2026 Events: Time to Register
With 2026 fast approaching, many early-bird discounts and room blocks are expiring soon. Now is the time to secure your spot for upcoming conference events where we'll be participating. Here are two on the horizon:
Feb 15 - 25: Caribbean Islands CU Educational Cruise
Registration Closing Soon
Join Jennifer and me for an immersive educational experience while cruising the Caribbean. We will be diving deep into strategy, governance, and member experience in a setting designed for connection and creative thinking.
Apr 20 - 23: Credit Union Strategy & Performance Conference
San Antonio, TX
Join me in San Antonio for three expert-led sessions focusing on credit union health, strategic partnerships, and ethical leadership - among other conference sessions. This is a key opportunity to align your board and leadership team on the metrics that matter most.
From the Archives
As you look toward 2026, board composition should be top of mind.
Tom Glatt
Happy Holidays,
Tom
