The narrative used to be simple: bigger banks meant bigger branch networks—and smaller institutions were left fighting for scraps.
But the game has changed.
Today’s credit union and community bank leaders have an opportunity to rethink what competitive branching looks like—and come out ahead. The future isn’t about having more locations. It’s about having the right locations: smaller, scalable, technology-empowered branches that allow you to move faster, invest smarter, and serve your members better.



