Economic troubles are touching every credit union nowadays. Austin, TX, is one of the few relatively bright spots on the financial map, yet this city's University Federal Credit Union has begun delaying its scheduled branch deployments by months or even years. But the downturn hasn't prevented the credit union from designing its buildings with sustainability in mind -- nor will it. In the thick of the recession, the credit union still regards "green" initiatives as a high priority. Green initiatives can include changes to facilities, operations, company culture and community relations. As part of the certification, BCU recycled more than 95% of the construction waste associated with the remodeling. Before BCU renovated its headquarters, it had already committed to some small green efforts. Some green initiatives are not facilities-based, but are part of a credit union's culture. Earth-friendliness is its own reward. Any time a credit union makes its operation a little greener, everyone benefits.