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Goals can be the death of your credit union

Let’s be clear: It’s not the goals that will kill your credit union. It’s how you think about those goals that could kill your credit union.

Which of the following is the more effective self-talk?

A: My loan goal this month is $700,000.

B: It is my responsibility to lend $700,000 this month to members who need it. And I have decided to do it.

Goals don’t change behavior; decisions change behavior. The answer is B. Your goals must lead to decisions to change. Goals are often left unmet because of the fear that change brings with it.

Support groups like Alcoholics Anonymous and others are in the business of long-term behavior change. It’s interesting that they do not teach their members to focus on the goal of not drinking. They teach them to make a decision not to drink… one day at a time.

Goals have attraction. Decisions have accountability and consequences.

We’re in month two of 2021. It’s time to reflect back on your strategic plan. Look at your goals. What decisions do you need to make to successfully reach those goals? What are the consequences (including cost!) of not making a decision?

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