When Kyle Markland was hired at Affinity Plus Federal Credit Union at the age of 33, he admits that the board took a chance on bringing in someone so young to lead what was then a $357 million cooperative.

That was in 1997, one year before the passage of the Credit Union Membership Access Act opened up a plethora of opportunities for expansion. Those heady days laid the groundwork for new charters, new fields of membership and innovation, and the industry reaped the benefits.

Fast forward to 2011, two years after the country reeled from a lingering recession coupled with the credit union industry feeling the aftermath of the  Durbin Amendment and a slow-to-recover housing market.

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