This isn't child's play, it definitely isn't funny and it very well can cost your institution money. Cyber crooks are busily scheming up ways to separate your credit union's assets from the institution. Here we have rounded up the top five things to really worry about.

* Patience May Win Out – for the CrooksAfter a breach is detected, experts pore over Internet traffic logs and, according to new research from Verizon, with financial institutions, the perpetrators often have proven themselves to be remarkably patient. "We see cases where they have probed for weeks and months before they find a way in," said Jay Jacobs, a Verizon spokesperson.

"In one case, they probed for a year."