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The Ransomware Readiness Gap: Why Practice Makes All the Difference

October 30, 2025

By Think|Stack

A ransomware attack can freeze every part of a credit union’s operations. Online banking, internal systems, loan processing, and even branch operations can all stop at once. The damage goes far beyond technology; it can shake the foundation of member trust and confidence.

The credit unions that have run a ransomware tabletop exercise with our team have learned one key truth: you can’t know how ready you are until you put your plan to the test.

 

What a Tabletop Exercise Really Tests

A tabletop is not a technical drill. It’s a cross-departmental rehearsal for one of the most stressful situations your organization could face. It brings IT, leadership, legal, PR, and compliance teams into the same room to simulate what would happen if your systems were suddenly locked and your members couldn’t access their accounts.

Here’s what gets tested in a real tabletop session:

  • Disaster Recovery in Action: You find out how long it actually takes to restore systems and whether your recovery time aligns with your members’ expectations.
  • Cyber Insurance Alignment: You verify that your policy matches your response plan and doesn’t contain gaps that could delay coverage.
  • Legal and PR Coordination: You test how well your teams can work together under pressure, balancing transparency with regulatory and reputational considerations.
  • Clear Roles and Responsibilities: Everyone learns who does what—who makes decisions, who communicates with regulators, and who informs members.
  • Approved Messaging and Talking Points: You develop language you can confidently use with your board, staff, and members when it matters most.

 

Why It Matters

Every tabletop reveals something new: an overlooked system dependency, a missing contact number, or a misaligned expectation between departments. These discoveries create real improvement, helping your credit union strengthen its readiness long before an actual attack.

Ransomware can halt every service your members depend on, but the damage to your reputation can last even longer. Practicing your response helps ensure that when the worst happens, your team reacts quickly, communicates clearly, and protects the trust your members place in you.

Preparedness isn’t about having a plan—it’s about knowing your plan works.

Think|Stack is a managed IT services CUSO specializing in cloud and cybersecurity with human-centered design. Connect with your GoWest Solutions team to find out how partner Think|Stack can be a resource for you.

Posted in Compliance Resources, GoWest Solutions.

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