For Lydia M. Vazquez, a guilty pleasure is doing regression analysis, and as the Fair Lending compliance officer at her credit union, her opportunities for statistical operations have blossomed with expanded reporting requirements for the Home Mortgage Disclosure Act.

Vazquez is assistant vice president of residential lending operations at Leominster Credit Union in Leominster, Mass.

Leominster ($642 million in assets, 53,037 members) serves a low- to moderate-income area in central Massachusetts with a long history of manufacturing. In the 1800s it was known as “Comb City” because it dominated in hair comb production. In the 1930s, Tupperware was born there. In recent decades, the area has become more diverse with a greater population of Hispanics and Asians.