I have worked at a small credit union for 24 years. I have beenthe 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 6million in assets. My share/loan ratio sits comfortably in the 80%range, and we really don't see delinquent loans very often. Ourmembership is a mix of blue collar factory workers, retirees, andin the last few years, a lot of young SSI recipients. We know mostof them by name, and we have many members that have been with usfor all of my 24 years and longer.

We do not have traditional overdraft 'loans'. We do charge $30as a 'courtesy fee' to save a draft or ACH, and we veryrarely return any payments of anykind.