"The issue isn't how home prices have increased in value which is often talked about, but that we've gotten there through questionable lending practices." – Dwight Johnston, WesCorp, vice president economic and market research, commenting on the possible effects rising interest rates may have on ARM borrowers' ability to afford rising monthly payments. "The actual market share is heavily on the bank side. That hasn't changed much over the years." – Karl Yoneshige, president/CEO of $760 million of HawaiiUSA Federal Credit Union on a recent study showing Hawaiians have more relationships with credit unions than banks but not necessarily more deposits. (See full story in the March 29 issue.) "Over the years, as credit unions have matured and grown more sophisticated, I have seen an increasing momentum by credit unions to more fully serve those of more modest means. I fear that should the NCUA retrench from its encouragement of this direction, we will become just another money store." -Visions Federal Credit Union Chairman Patrick Volpe in his comment letter to NCUA on its interim final rule halting underserved area adoptions by nonmultiple common bond credit unions.