SAN DIEGO — If people can help people, why shouldn't credit unions do the same?

That's the conclusion Joe Schroeder and Robin Lentz have come to, after the CEOs swapped excess branch space to create two new branches for next to nothing.

Schroeder heads up $290 million San Diego Metropolitan Credit Union, a community charter institution that still gets plenty of support from its core group of city workers, which include airport workers, police officers, firefighters, and employees of the world-famous San Diego Zoo.

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