Can anyone tell me how you determine your membership count? Is it a member with a $5 share account, $5 share draft account, a member with a loan with no savings, or a member with just a CD? Why am I asking? Everything our trades charge us for is based on asset size and member count. Any seminar, annual dues, services, or anything they do. Even our computer service provider charges by assets/member count for annual license fees. Not only that, many trades even charge more to go to a seminar if you don't belong to a separate association within their association, e.g. HRD Council, Marketing Council, and other types of groups. I just don't understand it. If you have a product or service to sell, why don't you base it on the cost of the product or service, plus a reasonable profit margin? No, they base it on the credit union's ability to pay. For us, it means less attendance and maybe scrutinizing more thoroughly what I'm paying for. L.L. DeCarlo President/CEO Pacific Marine CU Camp Pendleton, Calif.