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Getting to 8% of the U.S. mortgage market has been a long time in the making–a virtual overnight success after almost four decades of hard work by tens of thousands of truly special credit union staffers.

And like many others, I imagine the obvious reply is we will blow though 10% and upward. But while we bask in that outcome, we need to be careful. Like so many of the pro sports teams so many of us follow, we need to reflect on the phrase “grasping defeat out of the jaws of victory.”

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