Tiny But Mighty: How a $45M Credit Union Is Financing Fire Engines, Housing At-Risk Youth, and Saying Yes to FinTech

 James Higgins, CEO of Skyline Financial FCU, proves that small credit unions don't have a size problem — they have a mindset problem. In this episode of CU Spotlight at GAC 2026, James shares how his 91-year-old, $45M credit union went from losing $412K in his first year to projecting $360K in net income — by asking one simple question: "Why can't we?"From financing the town's fire engine to providing mortgages for a nonprofit housing aging-out foster youth, to becoming the first credit union to adopt Starlight — a FinTech connecting members to government benefits they didn't know they qualified for — Skyline Financial FCU is redefining what community banking looks like at any asset size.If you've ever used "we're too small" as an excuse, this episode will challenge everything you think you know about what's possible. Shine a light where it matters.