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The past year gave us all a lot to think about. Navigating the pandemic was a career-defining event for many. For the most part, credit unions large and small were able to adapt quickly and make changes to meet the immediate needs of their members, improve remote access, care for their teams, and grow and generate a reasonable (albeit lower) ROAA. It’s also been a time of deep reflection for those who’ve been unable to quickly adapt as they’ve watched loan balances and yields fall while soaring deposits challenged net worth ratios.

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