An Educational Webinar
Thriving Without Merging: Strategies for Small Credit Unions
Small credit unions today face increasing pressure—from regulators, economics, and industry consolidation that can limit growth and long-term sustainability. With a smaller asset base, it’s harder to spread fixed costs across a large membership, making operations relatively more expensive per member compared to larger institutions. Competing with larger banks and credit unions for skilled employees — especially in IT, compliance, and lending — can be difficult due to lower compensation and fewer career advancement opportunities.
Smaller credit unions often have less diversified balance sheets, making them more vulnerable to changes in interest rates, which can squeeze margins. And, because they outsource many functions like core processing, compliance tools, and digital banking, smaller credit unions can be heavily dependent on vendors — often at higher relative cost and with less negotiating power.
Yet, despite such an array of challenges, many small credit unions are proving that it’s still possible to thrive without merging. Join Ed Speed and Denise Wymore in a special, complimentary webinar moderated by Walt Laskos, for an honest discussion about what it takes for small credit unions to remain viable in today’s environment.
Whether you are a CEO, board member, or advocate for small credit unions, this webinar will provide practical perspective and actionable insights. While there is no charge to attend the complimentary webinar, registration is required.
Featured Presenters
Ed Speed
Denise Wymore
Denise Wymore
Ed’s career encompasses more than four decades of executive experience managing billion-dollar credit unions. He is the retired President and CEO of Texas Dow Employees Credit Union where he led the institution from 2003 to 2013, overseeing its growth from $700 million in assets to more than $2 billion, increasing the credit union from 2
Ed’s career encompasses more than four decades of executive experience managing billion-dollar credit unions. He is the retired President and CEO of Texas Dow Employees Credit Union where he led the institution from 2003 to 2013, overseeing its growth from $700 million in assets to more than $2 billion, increasing the credit union from 2 to 30 locations, while growing accounts from 75,000 to more than 300,000. Ed holds a master’s degree in Systematic Theology and a B.B.A. in Finance, both from St. Mary’s University in San Antonio, Texas. He was named a Distinguished Graduate in Theology and a Distinguished Alumnus of St. Mary’s. His academic journey includes post-graduate theological studies and a tenure as an adjunct faculty member, teaching courses in theology and religious studies.
Denise Wymore
Denise Wymore
Denise Wymore
As a proud credit union lifer that started her career as a teller, Denise is a cheerleader for passion and commitment. In her current role as President and Chairman of the Board of the CU De Novo Collective Foundation, Denise continues her fight for the future of credit unions, their continued growth and influence across America, even th
As a proud credit union lifer that started her career as a teller, Denise is a cheerleader for passion and commitment. In her current role as President and Chairman of the Board of the CU De Novo Collective Foundation, Denise continues her fight for the future of credit unions, their continued growth and influence across America, even though that future extends far beyond her own lifespan. In 2022 Denise was honored as a HerSTORY inductee in America’s Credit Union Museum.
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Denise Wymore
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