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SAN DIEGO — When the losses started to mount it was inevitable that the management and board of directors at Great American Credit Union here began to consider the merger option. “Our members have been looking for more services than we could deliver, more branches in the northern and southern part of the county,” said John C. Weaver, president of GACU. “We lacked the economies of scale to be able to do that, so the board made a decision to seek a merger partner and we put the process out to bid.”

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