The term "small credit unions" is relative. That said, even when times are good, the "small credit union" tends to face challenges in a way that "larger credit unions", another relative term, do not.

Speaking from experience, the pressures on the small credit union leadership looms large on a daily basis. The leadership must be intimately involved in all aspects of the operations. Regulatory burdens alone loom large for the small credit union. Small credit unions have a more intimate relationship with their members. These smaller institutions are under a higher degree of pressure as they assist their members.

Asset quality in small credit union has not changed over the past several years. The net worth ratio remains robust. Navigating the economic uncertainty can be difficult. Negative trends catch the eye of examiners, boards and management.