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Are credit union organizations of value to credit unions? In an article praising two recent credit union to bank converts in the Dallas area, the ABA Banking Journal recently praised the former credit unions for avoiding entangling relationships with credit union organizations, particularly those surcharge-free ATM and shared branching networks that CO-OP represents, but also leagues, corporates and other credit union organizations. A key issue in another conversion attempt was ongoing participation in shared branching. Do the fundamental issues of charter and capital structure supersede the value of participation in the credit union system?

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