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I truly believe that the soul of the credit union movement, which is its philosophy, is still alive and well, but over the past several years it has suffered from serious and identifiable erosion. I want to share some of the things I learned during my career that helped me define credit union philosophy and see where we are going.

When I gave up my job as a high school teacher of business subjects in 1956 to join the staff of Dallas Teachers Credit Union and begin a credit union career that spanned a period of 40 years, it was my good fortune to learn about the credit union movement from H. B. Yates and Jack Mitchell, two credit union leaders who were often referred to as pioneers of the movement. I also read everything I could find about credit unions and their history, and had a chance to become acquainted with and learn from a number of other credit union leaders who made major contributions on both state and national levels.

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