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credit union ROAAEditor’s Note: The financial figures reported in this story and Credit Union Times Dec. 17, 2014 print issue will not match those posted online by the NCUA. CU Times partnered with Callahan & Associates to analyze the NCUA’s call report data and further enhance the figures using Calllahan methodology.

Small credit unions often struggle to generate a high return on assets, but the $47 million Southwest Financial Federal Credit Union, based in Dallas, was one of the exceptions that disproved that rule.

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