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At 24 years old, right out of graduate school, Craig Esrael took over First South Credit Union in Bartlett, Tenn. Excited, confident and perhaps a little na?ve, Esrael entered a credit union on the brink of NCUA conservatorship with six quarters of losses, total capital of less than $2 million, the second worst CAMEL score granted, high staff turnover and six CEOs in seven years.

Esrael, not discouraged, hit the ground running and developed a plan to turn it all around.

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