{
  "author": {
    "name": "Mike Higgins Jr",
    "webUrl": "/author/profile/mike-higgins-jr/",
    "description": "",
    "imageLarge": "https://secure.gravatar.com/avatar/f16d6fc2845f417ea0e93a3f2b6cd37d?s=136&d=mm&r=g",
    "estimate": 4,
    "social": [],
    "articles": [
      {
        "uri": "/2015/01/12/top-performing-credit-union-has-terrible-roa/",
        "title": "Top Performing Credit Union Has Terrible ROA",
        "byline": "Mike Higgins Jr.",
        "kicker": "News",
        "prettyDate": "January 12, 2015",
        "timeToRead": "3 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/mike-higgins-jr/",
            "name": "Mike Higgins Jr."
          }
        ],
        "kickerNode": [
          {
            "uri": "/news/",
            "sectionName": "News"
          }
        ],
        "summary": "The $1.4 billion Dow Chemical Employees Credit Union won't show up on the list of top performing credit unions based upon return on assets, efficiency ratio, net interest margin or any other traditional measure of financial success. In fact, it would probably show up in last place, and that is...",
        "body": null
      },
      {
        "uri": "/2015/01/04/top-performing-credit-union-has-terrible-roa-2/",
        "title": "Top Performing Credit Union Has Terrible ROA",
        "byline": " Mike Higgins Jr. ",
        "kicker": "Commentary",
        "prettyDate": "January 04, 2015",
        "timeToRead": "3 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/mike-higgins-jr/",
            "name": "Mike Higgins Jr."
          }
        ],
        "kickerNode": [
          {
            "uri": "/commentary/",
            "sectionName": "Commentary"
          }
        ],
        "summary": "Dow Chemical Employees Credit Union's record 75% patronage refund to members effectively produces zero ROA.",
        "body": null
      },
      {
        "uri": "/2015/01/04/top-performing-credit-union-has-terrible-roa-2/",
        "title": "Top Performing Credit Union Has Terrible ROA",
        "byline": "Mike Higgins Jr.",
        "kicker": "Commentary",
        "prettyDate": "January 04, 2015",
        "timeToRead": "3 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/mike-higgins-jr/",
            "name": "Mike Higgins Jr."
          }
        ],
        "kickerNode": [
          {
            "uri": "/commentary/",
            "sectionName": "Commentary"
          }
        ],
        "summary": "Dow Chemical Employees Credit Union's record 75% patronage refund to members effectively produces zero ROA.",
        "body": null
      },
      {
        "uri": "/2014/09/19/credit-unions-behaving-like-banks/",
        "title": "Credit Unions Behaving Like Banks",
        "byline": "Mike Higgins Jr.",
        "kicker": "",
        "prettyDate": "September 19, 2014",
        "timeToRead": "3 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/mike-higgins-jr/",
            "name": "Mike Higgins Jr."
          }
        ],
        "kickerNode": [],
        "summary": "Producing an ROA of more than 2% isn't a badge of honor for a credit union, it's a shameful scarlet letter.",
        "body": null
      }
    ]
  }
}