SALT LAKE CITY – Hawaii Community Federal Credit Union and Randolph-Brooks Federal Credit Union are the latest to partner with Member Business Lending, LLC. Launched in 2004, the CUSO was created by $1.8 billion Mountain America Credit Union's subsidiary Mountain America Financial Services. MBL assists credit unions with loan applications, approvals and servicing to strategic marketing, government accounting reports and business counseling for members. The $293 million Hawaii Community FCU said it partnered with MBL "so they could effectively offer business loans to their members, but not spend a lot of time on the learning curve that comes with new products." "Introducing a new product generally takes up a lot of time that could otherwise be spent serving member's needs," said Rodney Watanabe, HCFCU executive vice president, member services. "MBL seemed like the most efficient way to introduce a complex service and meet all compliance issues." Several options were considered by $2.4 billion Randolph-Brooks FCU including developing in-house expertise to outsourcing, said Jim Minge, senior vice president, business services. "We found the cost of entry to be very reasonable compared to the cost of a build-it-yourself solution," Minge said. "We also found that the volume of originations required in order for us to break even was well within our ability to produce and that the profit potential was outstanding." Four of the CUSO's CU clients made the top ten list of SBA loans by volume in 2005 including Mountain America, America First, Jordan Credit Union and Tooele Federal Credit Union, according to MBL.