With weeks to go in the corporate capitalization process, it is important that every credit union make a thoughtful, well-documented decision and actively consider their involvement, if any, in a properly structured corporate as part of their fiscal strategy moving forward. This call to action raises two distinct questions. What do the terms "actively consider" and "properly structured" mean? 

In the most basic sense, actively consider means that no credit union should allow the option for corporate involvement to pass without directly reviewing the situation and all possibilities for capitalization with due diligence. It is true that in recent history corporate capitalization has come under fire and in some cases for good reason.

This does not mean that corporate involvement should be written off, particularly based on emotion. Many credit unions have invested the appropriate time and resources to ensure that the decisions they make are in the best interest of their members as well as in the interest of the credit union system. They should be commended for these efforts and their example should be taken as a friendly reminder that all things being equal, credit unions' support for each other is critically important.