I have worked at a small credit union for 24 years. I have been the CEO for the past 6 years. When I say small, I really mean tiny, as we are the smallest credit union left in Clinton County, NY.  

We have 1150 members, 5 employees,  and run around 6 million in assets. My share/loan ratio sits comfortably in the 80% range, and we really don’t see delinquent loans very often. Our membership is a mix of blue collar factory workers, retirees, and in the last few years, a lot of young SSI recipients. We know most of them by name, and we have many members that have been with us for all of my 24 years and longer.

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