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The report argues that institutions must refocus to deliver measurable impact and maintain relevance for younger generations. Through interviews and analysis, it examines competitive technology pressures, the use of impacts analytics, and transparency as a way to demonstrate mission achievement, justify tax exemption, and address merger momentum and investment decisions.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/choosing-relevance-how-credit-unions-can-harness-transparency-and-show-impact/293365/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/choosing-relevance-how-credit-unions-can-harness-transparency-and-show-impact/293365.png","ImageObject",300,407,{"name":92,"@type":93},"Sarah ","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-11-06","2026-09-17",true,{"@type":102,"interactionType":103,"userInteractionCount":39},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"What does the report aim to change about how credit unions show impact?","Question",{"text":112,"@type":113},"The report highlights that credit unions do a poor job proving their own impact. It explores roles and services that help credit unions demonstrate measurable community and member outcomes.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"Why does transparency matter in the credit union context described in the report?",{"text":117,"@type":113},"Transparency and transactional fairness are presented as necessary to meet demands from members, regulators, and media, especially after the post-2008 financial crisis and Great Recession.",{"name":119,"@type":110,"acceptedAnswer":120},"How does technology influence credit unions according to the report?",{"text":121,"@type":113},"Technology is described as creating both opportunities and threats, driving competition for financial services and shaping strategies to attract new generations and justify technology-related investments.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},293365,1790209698,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":39,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":139,"language":140,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":67,"update_tm":144,"read_time":145,"preview_page_count":4},962085320529,"https://ap-avatar.wpscdn.com/davatar_9964176cb1d06d4a9deccf72a44ae3dc","RepoRt  \nChoosing Relevance:  \nHow Credit Unions Can Harness Transparency and Show Impact  \nBruce B. Cahan, Founder/CEO, Urban Logic, Inc., and Visiting Scholar, Stanford University  \nAcknowledgments  \nThis report speaks in the voices of many people who collaborated to question the status quo. The following credit union thought leaders gave generously of their time and expertise:  \n→ Eric Dillon (CEO, Conexus Credit Union) .  \n→ Doug True (CEO, Forum Credit Union) .  \n→ Doug Fecher (CEO, Wright-Patt Credit Union) .  \n→ Kyle Markland (former CEO, Affinity Plus Credit Union) .  \n→ Diana Dykstra (former CEO, San Francisco Fire Credit Union; current CEO, California and Nevada Credit Union Leagues) .  \n→ Chad Graves (senior vice president of Information Technology, Ent Federal Credit Union) .→ Damian Jakubczyk (senior vice president of Technology, Elevations Credit Union) .  \n→ Eric Bangerter (vice president of E-Commerce and Internet Services, UW Credit Union) .  \n→ Stacie Wyss-Schoenborn (vice president of Member Solutions, BECU Boeing Employees Credit Union) .  \n→ Linda Bodie (Chief + Innovator, Element Federal Credit Union) .  \n→ William (Bill) Hampel (chief economist, Credit Union National Association) .  \n→ Christiane Gigi Hyland (executive director, National Credit Union Foundation) .  \n→ Mike Atkins (CEO, Open Technology Solutions CUSO) .  \n→ Chris Sachse (principal and cofounder, Horsetail Technologies) .  \n→ Ron Shevlin (senior analyst, Aite Group) .  \nThis report grew out of “thinking outside the box” conversations and the generous support, pivotal insights, and inspiration of Ben Rogers, research director at the Filene Research Institute.  \nTo all who participated as interviewees and as reviewers of this report, and to all who offered suggestions for improving it, the author is immensely grateful.  \nFilene thanks our generous supporters for making this important research possible.  \nTable of Contents  \n4 executive SummaRy  \n7 chapteR 1  \nIntroduction  \n9 chapteR 2  \nMethodology  \n9 chapteR 3  \nCompetitive Pressures to Invest in Technology—The Arms Race  \n11 chapteR 4  \nTechnology—Winning Competitive Strategies  \n18 chapteR 5  \nUsing Impacts Analytics to Justify Credit Union Tax Exemption  \n20 chapteR 6  \nImpacts—Winning Competitive Strategies  \n22 chapteR 7  \nImpacts—Improving and Enriching Member Impacts Practices  \n35 chapteR 8  \nTransparency—Proving Credit Unions Achieve Their Missions  \n39 chapteR 9  \nCredit Union Merger Momentum and Technology Investments  \n40 chapteR 10  \nConclusion  \n41 endnoteS  \n61 LiSt of figuReS  \n62 about the authoR  \n63 about fiLene  \nExecutive Summary  \noverview  \nCredit unions are navigating through a transformative era in which members’needs are evolving and disruptive technologies are influencing service delivery. The time is now to refocus so that your credit union is positioned to deliver measurable impact in the digital age.  \nmeet the authoR  \nBruce B. Cahan  \nFounder/CEO, Urban Logic, Inc., and Visiting Scholar, Stanford University  \nAs the credit union system completes its first century, technology raises new opportunities and new threats. Competition for financial services is intense. Institutional transparency and transactional fairness are required to meet post-2008 financial crisis and Great Recession member, regulator, and media demands.  \nA three-year study of 10,000 young adults showed that all four of the leading US banks are among the 10 least loved by millennials.1 In this environment, impacts-aware products and services offer a renaissance moment for credit unions to rethink and rebuild relevance in attracting members from post–baby boomer generations, the 18-to 46-year-olds of today.  \nWhat is the Research about?  \nWith pride, credit unions speak about making meaningful impacts in their communities as volunteers and philanthropists. A range of credit unions, with assets from $27 million to $11 billion, were interviewed for this report. No credit union interviewed has q","cbCaicd02TfV6HTq","https://ap.wps.com/l/cbCaicd02TfV6HTq","pdf",1033623,63,"English","# Executive Summary\n## Overview\n## Meet the Author\n# Introduction\n# Methodology\n# Competitive Pressures to Invest in Technology—The Arms Race\n# Technology—Winning Competitive Strategies\n# Using Impacts Analytics to Justify Credit Union Tax Exemption\n# Impacts—Winning Competitive Strategies\n# Impacts—Improving and Enriching Member Impacts Practices\n# Transparency—Proving Credit Unions Achieve Their Missions\n# Credit Union Merger Momentum and Technology Investments\n# Conclusion","[{\"question\":\"What does the report aim to change about how credit unions show impact?\",\"answer\":\"The report highlights that credit unions do a poor job proving their own impact. It explores roles and services that help credit unions demonstrate measurable community and member outcomes.\"},{\"question\":\"Why does transparency matter in the credit union context described in the report?\",\"answer\":\"Transparency and transactional fairness are presented as necessary to meet demands from members, regulators, and media, especially after the post-2008 financial crisis and Great Recession.\"},{\"question\":\"How does technology influence credit unions according to the report?\",\"answer\":\"Technology is described as creating both opportunities and threats, driving competition for financial services and shaping strategies to attract new generations and justify technology-related investments.\"}]","Choosing Relevance - How Credit Unions Can Harness Transparency and Show Impact | PDF",1789662994,159]