I was getting ready to pop the champagne late last year in celebration of the credit union industry exceeding 100 million members. What a milestone. But when I was looking at the September 2014 numbers (the latest ones available at the time), I put down the bubbly and reached for the coffee. The growth is coming from the largest credit unions, with the nation’s largest representing almost one in five new members.

My other blog, The Credit Union Marketer, examines this story. Tell me what you think.