Performers in the Constrained Quadrant (Bottom, Left) are below average in Member Value Added and Operating Muscle. There may be good reason for this too. The credit union may have limited growth potential or may be serving high transaction volume, low balance and/or high credit loss segments. It's possible to survive in this quadrant but harder to prosper in it. The ever increasing costs associated with compensation & benefits, compliance, security, technology and market relevance are real. Focusing upon productivity gains (operating leverage, economy of scale) is the fastest way to improvement in this quadrant. It's possible the best the credit union can do is to strive to be the top performer in this quadrant. You can use the Planning Tool to plot your path to success.