There are many challenges to creating a data-driven credit union. One often cited issue is attracting and retaining qualified technical personnel. Hiring a Data Scientist is impossible for all but the very largest credit unions due to cost. Filling the position Data Architect is tough because of the heavy competition for qualified candidates. However, for many credit unions, having full-time employees with these skillsets is probably overkill anyway. There are many qualified vendors and consultants who can provide these services on either a project or retainer basis.