What keeps me up at night is the proliferation of bank and non-bank competitors for the core business of credit unions, especially for payments and loans and the use of big data to source new business. You know the story. Apple, Google, Paypal, Prosper, Lending Tree, Walmart, Amazon, etc. all want a part of the financial services market and they have the financial tools and market intelligence to beat credit unions at their own game. If we do not quickly and aggressively respond to this growing threat, credit unions will become marginalized.