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The affinity that Ann South has for those small, scrappy credit unions that, despite the odds, are keeping up with the big boys and catering to niches that otherwise would not be served is so heartfelt she can hardly contain it.

“Without smaller credit unions, we don’t have a movement,” said South, president/CEO of the $117 million Novartis Federal Credit Union in East Hanover, N.J. “There are so many underserved people in the U.S., and a lot of them are being served by the smaller credit unions. A member may not pay everyone, but he will pay that credit union loan.”

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