캐나다 크레딧 유니온 업계 관계자들은 1960년대 이후로 숫자가 감소하고 있었는데, 팬데믹 기간동안 디지털과 모바일 기술의 엄청난 변화로 이런 추세가 가속화되고 있는 것으로 보고 있다.
스마트폰의 앱 개선, 더 신속한 송금 등등에 고객들의 기술수요가 증가하고 있고 기대감이 높아지면서 통합이 더욱 가속화되어가고 있다. 즉, 기술에 투자하려면, 규모가 필요한 비즈니스라는 것이다.
위니펙에 본사를 둔 Access Credit Union이 지난 2년간 6개 크레딧 유니온을 합병한 것이 대표적인 사례이다. Access Credit Union의 CEO Larry Davey는 언론과의 인터뷰에서 스마트폰의 출현으로 통합이 시작되었지만, 생존을 위해 속도가 빨라지는 것이라고 했다.
ㆍ 관련기사: 회원들과 사상 최대의 이익을 공유하는 Access Credit Union
ㆍ 관련기사: Casera와 Carpathia를 합병하는 Access Credit Union
ㆍ 관련기사: Tell Us Your Story 장학금 수령자를 발표한 Access Credit Union
인구통계학적 변화도 통합에 영향을 주는 것으로 보인다. 예를 들면, 6월 Access Credit Union에 통합되는 Amaranth Credit Union의 현재 멤버는 1,200명 (자산 18 밀리언 달러)이지만, 1960년 설립시에는 3,200명이었다.
크레딧 유니온은 커뮤니티 또는 특정한 단체 중심의 폐쇄적인 시스템이었지만, 시간이 지나면서 점점 범위를 넓혀가고 있다. 예를 들면, 항공업계 종사자들을 회원으로 하고 있는 Airline Financial Credit Union은 5월 14일 Luminus Financial과 합병을 발표하였고, 1939년 우크라이나인을 위해 출범했던 New Community Credit Union은 지난해 Synergy Credit Union에 합병되었다.
C. D. Howe Institute가 지난해 발표한 보고서에 따르면, 2022년말을 기준으로 지난 10년간 크레딧 유니온의 숫자가 37 퍼센트나 줄어든 것으로 나타났다.
크레딧 유니온의 통합으로 커뮤니티의 뿌리가 사라진다는 것을 우려하는 의견이 있지만, 로컬의 링크가 사라질 경우에 충격이 더 심각할 수 있다는 의견이 많다.
크레딧 유니온 스스로가 은행 시스템과 연결해야 하기 때문에 비용이 많이 든다. 은행 시스템에서 요구하는 기술을 충족시키기 위해 많은 투자가 요구되기 때문에 규모가 필요한 것이다.
알버타의 2개 대형 크레딧 유니온 Servus Credit Union과 connectFirst Credit Union은 지난 3월 자산 31 빌리언 달러 이상을 보유한 단일 크레딧 유니온을 만들기 위해 합병할 것이라고 발표했었다. 1900년에 설립하여 회원 7.5 밀리언 그리고 자산 407.1 빌리언 달러를 보유한 Desjardins는 캐나다 크레딧 유니온의 대표적인 성공 스토리이다.
크레딧 유니온이 줄어들고 있지만, Lighthouse Credit Union은 2022년 출범한 새로운 크레딧 유니온이다. Lighthouse Credit Union의 Harley Gold 의장은 보도자료에서 “크레딧 유니온은 커뮤니티와 환원이라는 유대인의 원칙에 잘 맞으며, Lighthouse Credit Union이 커뮤니티를 위한 재정적인 횃불의 역할을 할 것이라고 했다.
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