ALEXANDRIA, Va.-Federal credit unions gained two new members, while one defected to a state charter during the month of November 2002, according to NCUA's Regional Director's Actions Taken Under Delegation of Authority. In Region III, United Neighborhood Federal Credit Union received its charter in November, as did Region V's Pioneer Community Federal Credit Union. The two new credit unions have 13,000 and 4,191 potential members, respectively. However, the $12.2 million Canals and Trails Federal Credit Union of Lockport, Ill. received the green light to convert to a state charter Nov. 20. Also included in the monthly activity report was data showing that 14 federal credit unions adopted 27 underserved areas-half as many as the previous month-totaling 829,416 new potential members in aggregate. Additionally, five credit unions were approved to convert to a community charter, none coming from California, while four were approved for expansions. NCUA's regional directors also approved another 26 mergers in November.