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MOSS POINT, Miss. — The lessons have been painful, but in a candid look-back on the eve of the Katrina anniversary, the president/CEO of Singing River Federal Credit Union said last week his $130 million CU has made it through a challenging year in fine shape with surprisingly low delinquency ratios.

“I think it says a lot about the Mississippi work ethic that our delinquency rate has been at a low .15 when our peers are at .65,” said James Smith Jr., who also is chairman of the Mississippi Credit Union Association.

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