Credit unions are lemmings.  Nobody ever wants to be the first one to do something.  Then, slowly, as some credit unions adopt the new technology/process/whatever more CU’s start to follow.  Pretty soon it is a mad rush because nobody wants to be the last.

From Wikipedia:

…groups will reach a cliff overlooking the ocean. They will stop until the urge to press on causes them to jump off the cliff and start swimming, sometimes to exhaustion and death. Lemmings are also often pushed into the sea as more and more lemmings arrive at the shore.

We always talk about being innovative but save for a few exceptions, CU’s don’t like change and don’t want to innovate.