Doing more with less. You've heard the old cliché. It's never been truer than in the last several years for credit union marketers.

Now, as black ink has replaced the red ink on balance sheets, many credit unions are slowly starting to replenish their marketing budgets. But 2013 brings a brand new set of challenges for credit union marketers.

Just because CEOs recognize the light at the end of the tunnel is not a train coming at them doesn't mean that marketing budgets have been replenished to pre-2007 levels. That means it's up to each individual credit union marketer to see this as a challenge or an opportunity.

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Marketing