In uncertain and volatile markets, many credit unions are looking to rebalance their portfolios but may find methods they have traditionally relied upon suddenly unavailable. On the other hand, loan participations continue to be an efficient and surgical tool to fine-tune a financial institution's balance sheet in a manner that aligns with evolving risk/return targets. Selling or buying loans in uncertain markets should not be viewed as panic selling nor as an imprudent purchase; rather immense potential benefits abound in doing so. Remaining active in loan participations in the coming months will prove to be a powerful risk-management tool for all parties.