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Many industry observers believe the credit union industry is at a crossroads. While “they” may have disagreements about the whys and the wherefores of the matter, nearly all industry participants are in agreement that credit unions must grow in order to survive. This means coasting along doing business as usual hoping the slowing mortgage market will pick back up or hoping that renewed interest in the stock market won’t cause a runoff in deposits or hoping that darned inverted yield curve would just normalize…let’s face it we know hope is not a very good strategy and raising overdraft fees another $2/item is not very innovative.

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