Heather Anderson’s Dec. 6, 2013, column—Credit Unions Are Knocking on Death’s Door—was thought provoking and sent a sound and sober message not only to credit unions, but also to trade associations and the NCUA.

Credit unions are decreasing in numbers as competition increases, the economy changes and the technology in handling financial transactions evolves. Those credit unions that will move forward into the future must work each day to meet the demands of their members. This includes providing not only the best service with existing products, but also rolling out new and innovative products and services.

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