ROA benefits from higher net interest margins, but suffers from lower mortgage sales.

Daniel Souers will take over the helm in October for Chris Rutledge, who retires following 20 years of service.

The program will be tried out in certain areas of Dallas, Detroit, Los Angeles, Miami and Charlotte, N.C.

MUNA FCU, Pinnacle CU and RVA Financial propose the combination in order to remain competitive.