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For many credit unions, the first 90 days after a new member signs on can be a critical gauge on whether a relationship can be nurtured and sustained for the long term. 

That time frame will certainly be a factor as questions from both in and outside the credit union industry wonder what became of the 214,000 members who joined in the month leading up to Bank Transfer Day on Nov. 5, 2011. That’s not including the 450,000 new members who joined credit unions in September, October, November and December last year. 

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