In less than two weeks, we’ll ring out 2013, a year we’ll long remember as the one where the credit union industry turned a corner and found a smoother path. In fact, the view through the windshield today is a whole lot better than the one in the rearview mirror.

For the first few years as the NCUA board chairman, I felt like my role was triage, asking questions that often required painful answers: Which credit unions are in critical condition? Which can be saved? Which need to be conserved? Even relatively strong credit unions had rock-bottom returns, record charge-offs and plummeting net worth ratios.

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