SOUTH JORDAN, Utah — Just as all the children in Garrison Keiler's Lake Wobegon are above average, all your members are exceptionally dedicated and loyal to their credit union.

Well, if you believe that, Chris Cottle, vice president of corporate marketing at the research firm Allegiance, would question whether you actually know just how engaged your members are.

"It has been my experience working with financial institutions, who by the way are the largest vertical we serve and include a number of credit unions, they would never come out and say, 'You know what? We have no clue what our loyalty programs are accomplishing, and we do not value engaged and loyal members.'

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