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Out-of-state mergers seem to be the norm these days, especially in my home state, California. I don’t understand why more California credit unions are not viable options for consideration. Not all of us have shrinking capital and loan delinquency issues. And we certainly know the market better than those who have had no experience in this market. It’s also surprising that many entering the state have never operated a branch outside of their home state-which makes me wonder if they know what they’re in for. As a credit union that operates in six states (and has for many years), we certainly know that it’s not an easy thing to do.

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