The idea that "it's the economy, stupid," shouldn't be used as an excuse to justify poor business performance at your credit union, or any business in general. There will never be a perfect environment, so take responsibility for succeeding in whatever conditions the world throws at you, advises Steve McKee in a recent article. "Even if it is the economy, it's not really the economy. It's us," he writes. What are you blaming on the economy at your credit union, and how can you take the bull by the horns and make a change for the better?