People deal with stress of all different types in a wide variety of ways. Whether problems are personal or financial, some handle stress by applying drugs as a temporary fix to cover up their wounds or some other bad habit. Others are determined to convert their anxiety into positive energy by picking up a long lost hobby or exercising.

Credit union management and officials under stress can respond in similar ways.

Rather than literally taking drugs, some chase numbers and look to make a quick buck. A handful of credit unions pursued the outrageous claims of Millionaire University's real estate scheme, and others were lured to the highly unrealistic returns from Centrix' indirect lending plot. These were temporary solutions that ended in the ruin of these credit unions and discontinued service to their members.