Who's driving credit unions asks and answers whether a volunteer board or a professional management team is in the best position today to deal with fast paced changes and complex issues. A brief history of the evolution of credit unions from the early 1930s to current times reveals how the internal change of decision processes has not kept pace with the rate of change externally. Credit union trade associations and regulatory agencies focus on the largest population of credit unions that require traditional decision processes. The remainder struggle to modernize their processes without the support they need from regulators. This book offers ideas for boards, CEOs, and regulators to take practical steps that may allow these credit unions to thrive in the decades ahead.