I love January, when everyone is full of optimism and focused on self-improvement. It's the right environment for credit unions, places where members can find people willing to give them a chance – or a second chance – to improve their financial position.

What will 2016 bring? Last year CU Times celebrated its 25th anniversary, and part of our historical coverage included reprinting columns from 1990 written by Mike Welch, our founder and former publisher. Mike used to pen a prediction column each year, as did current Publisher/Editor-in-Chief Sarah Snell Cooke.

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