There is no doubt the credit union industry has been and is still going through many changes, from mergers and acquisitions, to regulatory changes, to incorporating technology and attracting younger demographics. Overall, despite the shrinking number of credit unions, membership, loans and share numbers are up. According to Callahan & Associates' "Trendwatch Year-End 2017, The Annual Report for the Industry" data, total credit union membership reached 112.9 million, up from 108.2 million at the end of 2016. Meanwhile, new auto loans (13.2%), used auto loans (10.3%), first mortgages (10.2%) and credit cards (9.2%) lead the way in annual growth among loans outstanding, and year-over-year growth in share drafts (10.0%), regular shares (7.1%) and share certificates (6.3%) outpace the rest of the portfolio.