ATLANTA – As Delta Air Lines inches closer to a possible Chapter 11 bankruptcy filing, Delta Employees Credit Union said it has taken a proactive approach. "We have been planning both financially and operationally for the possibility that Delta Air Lines would declare bankruptcy for the past year," said Rick Foley, DECU president/CEO in a statement. "Our greatest concern is the financial well-being of our members and their families. We have programs in place to assist them during difficult times and our staff is fully prepared to continue providing the quality, caring service they expect from DECU." Through its Web site (decu.org), the $2.6 billion CU is reassuring members that it does not have "financial stability" ties to Delta Air Line and their funds are insured. Should the carrier file Chapter 11, "based on what has occurred in other bankruptcy cases, Delta's policy of sending direct payroll deposits to DECU should be unaffected by a Chapter 11 filing." DECU also said member funds will not be closed, blocked or frozen should Delta Air Lines file for bankruptcy and loan agreement terms will also not change. Of DECU's more than 164,000 members, 34% or roughly 55,760, are currently active Delta employees, according to the credit union. It is the largest CU in Georgia. At press time, Delta Air Lines had not filed for bankruptcy. On a lighter note, DEC started offering trust services on Sept. 1 through MEMBERS Trust, the industry's first and only nationally-chartered, CU-owned trust company. After completing extensive training in trusts and estate planning, Terry Anderson, vice president/financial advisor, has been given the new title of trust liaison officer. Anderson will be the liaison between members and MEMBERS Trust.