Credit union volunteers and professionals do what they do because they enjoy it–even get a sense of inner fulfillment from it–and are good at it. Otherwise, you'd be silly because the pay and benefits are relatively low and at credit unions you actually have to listen and try to fulfill your members' needs rather than just a handful of stockholders.

Member needs can provide a roadmap for credit unions and whether they take a tortoise or hare approach to technology adoption or what to offer in their suite of products. But without planning strategically for the future, a credit unions' direction can be as mixed as my many metaphors.

I'm calling on the legendary Diana Ross to help credit unions create a singular, focused direction to charge full steam ahead.

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