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Despite the healthy economy and growth in the education sector, maintaining the credit union’s 83% loan-to-share ratio hasn’t been easy, said Texas Tech FCU CEO Ellen Hein.

They say everything is bigger in Texas, but one thing that wasn’t. The real estate boom and subsequent bust. And it has worked out for credit unions in a big way. According to the NCUA’s second quarter statistics, homes in the Lone Star state have gained nearly 5% in value from the real estate boom’s peak.

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