As our economy continues to grow, the need for Virginians to have access to financial institutions is critical to the long-term health of our state and nation. One of the fascinating debates within the financial community is the potential challenge that credit unions pose to commercial banks and the preferential tax treatment credit unions receive under current law. Are there areas of antiquated regulations or laws that should be reviewed since the financial strength and lending power of credit unions has increased? This report by one of Virginia’s top economic analysis firms, Chmura Economics & Analytics, reviews the data, the surveys and the proposals and makes some recommendations of its own.