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At our examination last year, we received much lower grades on part of our CAMEL ratings due to our return on assets ratio. Our ratio is much lower in this category since we return about two and a half times as much of our gross income to our members in dividends as our peer group. We also pay a 15% interest refund to our members on consumer loans. Our net worth to total assets is 12.90% Our board of directors takes very seriously its responsibilities in returning as much to our members as possible. Whose credit union is it? Jeff Rush President/CEO Firestone FCU Akron, Ohio

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