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It’s tempting to attempt to predict how many credit unions might try to jump to a bank charter in 2013. But that is hard to say. It’s easier to observe some trends that came to the fore in 2012 and are likely to continue next year.

First, NCUA regulations have definitely leveled the playing field between credit union executives and members when it comes to changing charters. The days when credit union boards of directors were able to reliably count on credit union members to vote themselves out of being credit union members on the basis of the directors’ mandates have largely ended.

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