« Alarms should be sounding in credit unions across the nation, » says Vicki Joyal, VP-Research Services for the Credit Union National Assn. (CUNA). « You are clearly facing both challenges and opportunities. » Joyal was the keynote speaker Monday for the 2005 Floyd Forum Leadership Conference at the Barton Creek Resort & Spa in Austin. Her topic, « The Evolving Credit Union Environment, » may have seemed more like a revolution to some of the CU executives. She took them on a « whirlwind tour » of demographic and financial trends, from debit card use and online banking to fraud threats and bankruptcy reform. « The average age of adult CU members has increased from 40 to 47 during the past two decades, » she noted. « (He/she) has now left his prime borrowing years (25 to 44). In 2003, nearly 36 million people age 65 and over lived in the United States, just over 12 percent of the total population. The Baby Boomers (born between 1946 and 1964) start turning 65 in 2011. The older population in 2030 is projected to be twice as large as in 2000, growing from 35 million to 71.5 million, nearly 20 percent of the total population. « Do we have the right mix of
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