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ALEXANDRIA, Va.-NCUA’s approval of large community charters has slowed over the last few years, according to the agency’s year-end community charter reports. NCUA approved a dozen credit unions for community charter conversions last year. By comparison, the agency gave the nod to 15 credit unions in 2004 and 19 the year before that, the reports showed. Several things could be at play, from the two-member NCUA Board for 18 months to lawsuits perpetrated by the banking groups to the declining novelty of the charter. Here are the community charters with more than one million potential members approved by the regulator last year.

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