Let's start with an obscure cultural reference that would make even comedian Dennis Miller green with envy. To paraphrase the quickly-withdrawn Teen Talk Barbie discussing "math class" in 1992: Operations are tough. Well, this is especially true if you're a credit union in 2015.

You're racing to meet rising consumer expectations. You're working against major challenges to traditional revenue and business models. You're laboring to implement new technology. And you're struggling to find efficiency in everything you do. Meanwhile nothing is simple. Your members want to mobilize their interactions with you, but still want a robust branch presence. By the way, they want branches everywhere.