A few months ago, my Filene colleague Ryan Foss wrote about disruptive innovation and technology impacting credit unions and their members. Some of these "moonshot" ideas in and out of the credit union space have the potential to fundamentally shape the way we live. These innovations typically draw all the attention, excitement and sometimes credit union investment. Should they? Filene's report "Structures for Innovation" correctly says "no." Credit unions should balance investments in both disruptive and incremental innovation. That is, in addition to incredible breakthroughs, small improvements to existing concepts can also make a drastic improvement in the lives of consumers and solve ongoing challenges.