As rural financial support to the community, the Credit Union needs to face a high-level of competition with the retail commercial banking. At this point, fundamental knowledge, strong spirit and systematic strategy are needed to achieve sustainability. Using an action research in Indonesia, this study succeeded in identifying social entrepreneurship as the future competitiveness and posed the concept as unique factor that will make differences between the Unions and the commercial banking sector. Lastly, the study had also proposed a proper framework to develop knowledge network to deliver the message effectively among member and between Unions.