After reading Stuart Perlitsh's letter ("Questioning Cost of Small Credit Union Initiatives", CU Times, April 16, 2014), I can understand his stance on whether the OSCUI program is successful and the costs involved. But I feel his statement that the program appears to be failing based on the decline of credit unions since 2004, should not be laid at the feet of the OSCUI.

Quite frankly, it's nice to have a resource available, without product prejudice, to assist us in evaluating and developing a business plan that provides the potential to serve our members but also assures we do so in a safe manner. OSCUI-type expertise may be available other places, but at a substantial cost we couldn't afford. The NCUA saw the needs of small credit unions, and their difficulty, in going to another level of service or improving operations, and offers education specific to small credit union needs.

Seeing another wave of credit unions at risk in this e-commerce age, they have again stepped up to the plate to assure these credit union will have resources available to move upward. No other credit union or its organizations has stepped up to plate like the NCUA did.

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