DOCSLIB.ORG

Equifax Lessons Learned GSB 2018

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Equifax Lessons Learned GSB 2018 Is Your Printer Environment a Security Risk? MBA Endorsed Product Vendor Spotlight: Ncontracts Total Vendor Management Solution MBA Cuts Life and Disability Rates 2017 Minnesota Bankers Community Impact Week Recap Equifax Lessons Learned GSB 2018 BUDGET NOW FOR GSB — WHERE BANKING AND LEADERSHIP COME TOGETHER. Programs through the Graduate School of Graduate School of Banking July 29 - August 10, 2018 Banking at the University of Wisconsin - Madison are the best place to hone both banking and Bank Technology Management School leadership skills. GSB programs explore critical April 8 - 13, 2018 banking topics in the real world—with hands-on Human Resource Management School learning and the chance to network, collaborate April 15 - 20, 2018 and learn among some of the brightest Financial Managers School leaders in the industry. Take advantage of the September 9 - 14, 2018 industry’s most powerful banking and leadership Sales and Marketing School – NEW! development programs and take your career, October 14 - 19, 2018 your team—and your bank—further. Bank Technology Security School October 21 - 26, 2018 GSB.ORG table of CONTENTS MBA News The Chair’s Message Published six times a year, MBA News is the official publication of the MBA. Articles focus exclusively on the 4 The Strength of Our Association commercial banking community in Minnesota. Eric Hauth, Managing Editor Cover Focus: Hot Topics 952-857-2605 • [email protected] Questions or comments about MBA News should be directed 8 Community Impact Week to the Managing Editor, Eric Hauth. 13 MBA Endorsed Product Vendor Spotlight: Ncontracts Total Vendor Management Solution MBA Staff 14 MBA Cuts Life and Disability Rates Executive • Joe Witt, President/CEO 15 Is Your Printer Environment a Security Risk? • Roy Terwilliger, Director of Member Relations 16 Equifax Lessons Learned • Kim Philipson, Executive/Education Coordinator Education & Communications Features • Eric Hauth, Director, Communications and Education • Chris Harrison, Education Coordinator 7 2018 Graduate School of Banking Madison Scholarships • Mary Henriksen, Registrar • Nicole Hanger, Education & Associate Membership 14 LIBOR Set for Elimination in 2021 Coordinator • Jean Hendrickson, Website Coordinator & Desktop 18 Disasters are Prime Time for Cybercriminals. How to Think Ahead. Publisher 19 2018 Community Champion Recognition Finance & Group Insurance 20 Republican Tax Reform Bill Lacks Details on Issues Affecting Community Banks • Dan Melcher, Finance Director/CFO • Brent Stokesbary, Accounting Manager 22 Commercial PACE Financing Brings New Equity to Projects • Stacy Meyer, Group Insurance Manager • Connie Mack, Senior Plan Administrator/Insurance Agent 28 2018 Holiday Survey Results • Barbara Markus, Senior Plan Administrator 29 Graduates of the 2017 MBA Commercial Lending School Human Resources • Diane Brower, Director of Human Resources 30 MBA and Graduate School of Banking at Colorado Seek Applicants for Future • Cindy Meyer, Database Administrator Leaders Scholarship • Kathie Babcock, Receptionist/Graphic Designer • Martha Kooiman, Receptionist 31 2018-2019 Leadership Development Academy Legal/Compliance/Government Relations 32 Save the Date! MBA Annual Summit - June 10-12, 2018 • Tess Rice, General Counsel/Director of Government 33 Jill Amundson Appointed to Employee Benefits rustT Board Relations • Michael Thro, Associate Counsel 2017 Graduate School of Banking Graduates from Minnesota • Terry Tiller, Legal Products & Services Coordinator • Therese Kuvaas, Government Relations Manager Departments 6 Calendar of Events 27 Compliance Query 7 Education and Communications News 27 Ask the Agent 24 Bankers On the Move 28 Welcome New Associate Members MBA Consulting Group 26 Counsel’s Corner 34 Index of Advertisements • Tom Boswell-Healey, Associate Counsel/ Senior Compliance Consultant • Jay Tambornino, IT Consultant Minnesota Bankers Association 8050 Washington Avenue South, Suite 150, Eden Prairie, MN 55344 952-835-3900 MN Toll Free 866-835-3900 Fax 952-896-1100 [email protected] www.minnbankers.com Midwest Bankers Insurance Services • Dan Melcher, Chief Financial Manager • Jeff Otteson, Vice President - Sales • Adam Dawson, Regional Sales Manager MBA News is published six times per year by the Minnesota Bankers Association, • Yvonne Anderson, Account Manager 8050 Washington Avenue South, Suite 150, Eden Prairie, MN 55344. is printed on 30% recycled content paper. • Jennifer Bockhop, Account Manager © 2017, Minnesota Bankers Association. All rights reserved. No part of this newsletter may be reproduced in any form or incorporated into any information retrieval system without the written permission of the copyright owner. www.minnbankers.com MBA News The official publication of the Minnesota Bankers Association 3 THE CHAIR’S MESSAGE Another important part of our association is the MBA’s Legal and Compliance Department. Not all state associations across the country offer legal and compliance support to their members. Minnesota is home to many community banks, which are especially impacted by regulatory burden. Therefore, the benefit The Strength of Our Association of having an association that can provide legal and compliance support is significant. The legal manuals covering both state and Mark White federal law and the Legal/Compliance President First National Bank, Coleraine bulletins on changing laws and regulations are helpful. And the ability to contact the legal department with questions is a tremendous service. hank you once again for the day, and they know the issues that need This year the MBA legal team also opportunity to serve as the Chair of attention. Once the Committee identifies T provided a rather unique service to help the the MBA. I continue to be honored and the topics, the MBA education staff, banking industry. They researched, wrote humbled by this experience, as I have supported by the MBA legal team, identify and filed amicus curiae briefs supporting a tremendous amount of respect for the good speakers to address the topics. The two Minnesota banks in lawsuits brought people who have held this position before result is an extremely timely program, with by the federal government. Both cases had me and pride for the many ways our nationally-known compliance instructors, major implications for the banks involved, association supports the Minnesota banks. offered right here in Minnesota. This but they also raised serious concerns for all year’s Advanced Compliance Workshop The MBA is in great shape right now. the rest of us. We owe a debt of gratitude to was held in early October, and once again Our membership is strong; we enjoy the the banks involved in these over-reaching this important program was well-attended active support of our member banks; our lawsuits because they chose to fight the and received high ratings. Board of Directors is providing strong lawsuits rather than just settle, and we are leadership and direction; and our staff is Also consider a new education offering, fortunate that the MBA has the expertise effectively executing our programs. It takes the MBA’s Leadership Academy. The and the resources to provide this important a lot of different factors coming together MBA Board members were discussing type of legal service. for an association to work. Right now the the challenge of identifying the next A third major association strength is our MBA is hitting on all cylinders, providing generation of leaders within our banks. employee benefits program. The MBA products and services that equate to real The Graduate Schools of Banking do Employee Benefits Trust was established value for our member banks. Let me give a fantastic job of providing technical over two decades ago with the simple goal you a few recent examples from the various banking information. The Board thought of providing affordable group insurance to MBA departments. that a program designed to teach Minnesota’s community banks. The old fundamental leadership skills would be a First, the fall is a busy time for MBA saying, “there is strength in numbers,” great complement to the training provided education programs. One of the strengths of perfectly sums up this situation. Because by the Graduate Schools. We challenged the MBA is that our education programs are a majority of Minnesota banks utilize our the staff to design and roll out a leadership locally-developed by Minnesota bankers, plans, we have assembled a group of over program, which they did. In its first year, the for Minnesota bankers. For example, the 5,000 employees. That large employee MBA Leadership Academy is getting rave MBA’s Advanced Compliance Workshop group, plus the fact that our plans are well- reviews from its participants. One of my is offered annually. Each year, the MBA reserved, allows us to negotiate favorable bank’s employees is part of the Academy’s Compliance Committee plans this two-day rates from our insurance carriers on a first class, and she is very happy with the event by analyzing the most significant, variety of high quality plans. The upcoming program and is learning a lot about what it hot compliance topics. These experts live 2018 plan year brings more good news for takes to be an effective leader. and breathe compliance matters every 2017/18 BOARD OF DIRECTORS Chair Immediate Past Chair District 1 Mark White, President Gail Mikolich, COO Rich Hoban, CEO First National Bank, Coleraine Northeast Bank, Minneapolis Frandsen Financial Corporation Vice Chair/Treasurer President/CEO District 2 Mark Miedtke, President
Load more

Recommended publications
  • 2018-Mayjun-Community-Banker-Newsletter
    INDEPENDENT COMMUNITY BANKS OF NORTH DAKOTA C OMMUNITY B ANKER NEWSLETTER Official Newsletter of Independent Community Banks of ND May/June 2018 Issue NEW Seminar Presented by ICBND: HR Survival Kit in Today’s Challenging World Wednesday, September 12, 2018 Ramkota Hotel & Conference Center, Bismarck Who Should Attend: HR Professionals, Branch Managers, Market Presidents and anyone who wants to learn strategies on improving the workplace. Session Overview: Addressing the Basics in Hiring and Firing • Mistakes in hiring and firing • Techniques used for successful interviews • What to do before and after the interview • Legal versus illegal questions • Strategies for successful new employee orientation • The necessity of proper documentation • Avoid surprises by honest feedback before firing employees • Horror stories you’ve experienced Handling Workplace Bullies • Definition of bullies in the workplace • Reasons why they continue to bully their targets • Learn the GAP and Verbal Aikido to gain control Communicating Why Sexual Harassment and Discrimination Can’t be Tolerated • Challenges you have experienced in the workplace • Mistakes others have made handling sexual harassment and discrimination • How to stop the culture of keeping silent and letting powerful people get away with it • Successful changes experienced by your colleagues Having Tough Conversations with Mediocre Employees • How to handle performance appraisals • Discuss possible complications • Mistakes you have made • Learning how your colleagues use PA • Discover the power
    [Show full text]
  • The Founding of a Maverick Bank
    Inside This Issue: Learn how Bell Bank bucked trends and • blazed trails from the very beginning bell.bank 15 Broadway | Fargo, ND 58102 • Mary Locken explains crucial 3 Big Benefits considerations for business succession BUCKING TRENDS OF WORKING WITH planning & BLAZING TRAILS – • Find out 3 big benefits of working with PRIVATE BANKING private banking & wealth management WEALTH the Founding of a Market Performance MANAGEMENT& July People with significant wealth often have S&P 500 Index. .8.548 % Maverick Bank more complex financial requirements, so S&P 1500 Composite Index . 8.135 % Bell has never been a typical bank – or Bell Bank’s private banking and wealth Russell 2000 Index . 4.292 % company. From its humble beginnings, management departments are designed Russell 3000 Index . 8.240 % 701.451.3000 | 800.709.5781 when Bell opened in 1966 as State to offer specialized services for high- Working with both private banking and 3. Increased efficiency MSCI Emerging Markets Index . 5.078 % Bank of Fargo in a corner office of the net-worth individuals and their families. wealth management at Bell can benefit If your banking, financial and estate Dow Jones Industrial Average . 5.076 % Deposit and loan products are offered through Bell Bank, Member FDIC. Products and services offered through Bell Bank Wealth Management are: Northport Shopping Center in Fargo, These services address both personal you in 3 major ways: planning, investments and trust services MSCI EAFE Index . 5.333 % and business financial needs and include Not FDIC insured | No Bank Guarantee | May lose value | Not a deposit | Not insured by any federal government agency.
    [Show full text]
  • Ag Banking During the Pandemic
    APRIL 2021 WISCONSIN BANKERS ASSOCIATION FOUNDED 1892 Ag Banking After an uncertain or modernize. Chris Schneider, Total farm loans 2020 in which gov- Together, these vice president – agri- – loans to finance agri- ernment assistance factors have ag cultural banking for cultural production and During the boosted farmers lenders balancing a Investors Community other loans to farmers financially and many mixture of optimism Bank, Manitowoc – by Wisconsin-based Pandemic projects were put and caution as they and vice chair of the banks dropped almost on hold, Wisconsin head into spring. WBA Agricultural 9% to $3.5 billion in bankers saw an Plans for Bankers Section. 2020 from more than 2020—A solid increase in borrowing expansion and Then, when govern- $3.8 billion in 2019, year for Wisconsin by their agriculture purchases stalled ment aid became according to Federal customers this year. last year when the available, farmers Deposit Insurance farmers For some farmers, COVID-19 pandemic were able to use that Corp. data. however, the focus left farmers wonder- money for operations Part of the reduced By Paul Gores may be more about ing how badly the instead of tapping lending in 2020 might reducing debt than economy would their banks for also have reflected borrowing to expand be impacted, said traditional lending. (continued on p. 8) Will Paid Time Off Look Different in 2021? By Alex Paniagua How paid Travel plans didn’t just take a back seat during time off could the chaotic ride of 2020 — for many, they change in 2021 were left on the side of the road.
    [Show full text]
  • An Independently Owned, Regional Bank
    AN INDEPENDENTLY OWNED, REGIONAL BANK Headquartered in Fargo, North Dakota, and chartered in 1966, Bell Bank is now the largest privately owned bank in the region and one of the largest in the nation, with assets of more than $6.5 billion and more than $7 billion in assets under management. Bell has kept its commitment to remaining independent and locally owned, with policies and decisions made in the local communities. Majority stockholders Julie Snortland, Laura Snortland Fairfield, Michael Solberg and Richard Solberg are passionately committed to the bank’s employees and the communities they serve. The Snortlands are a successful farm family from Sharon, North Dakota. They have been involved with the bank since its beginning with one small north Fargo location. Richard Solberg joined the bank as its president in 1982 and remains the company’s chairman. With his son, Michael, he has helped guide the Michael Solberg, Julie Snortland, Richard Solberg, and bank through tremendous growth, while maintaining a Laura Snortland Fairfield are the majority stockholders of Bell. people-focused culture. Michael Solberg has served as Bell’s president since 2009 and was named CEO in 2015. He was the driving force behind the bank’s Pay It Forward program, which has empowered employees and others to give more than $15 million to those in need. As stewards of the bank, the owners value their employees, who are treated like family and whose dedication and loyalty are generously rewarded. In 2016, the Solberg and Snortland families established an employee stock ownership plan (ESOP) to share stewardship in the company.
    [Show full text]
  • 3Rd Quarter 2019
    3rd Quarter 2019 DMISCUSSIONINNESOTA CMOMMUNITYATERIALS BANK LANDSCAPE Financial Institutions Group Table of Contents SECTION DESCRIPTION I. 3rd Quarter Feature – 2019 FDIC Deposit Data II. Minnesota Bank Regulatory Data III. Overview – Janney Montgomery Scott LLC Disclaimer Janney Montgomery Scott LLC prohibits its employees from directly or indirectly offering a favorable research rating or specific price target, or offering to change a rating or price target, as consideration or inducement either for the receipt of business or for compensation. 2 I. 3RD QUARTER FEATURE – 2019 FDIC DEPOSIT DATA 2019 DEPOSIT MARKET SHARE – MINNESOTA Minnesota Minnesota 2019 2019 2019 Number of Deposits In Total Market 2019 Number of Deposits In Total Market Rank Institutions (ST) Branches Market ($000) Share(%) Rank Institutions (ST) Branches Market ($000) Share(%) 1 U.S. Bancorp (MN) 138 76,048,256 32.24 26 Deerwood Bancshares, Inc. (MN) 14 609,057 0.26 2 Wells Fargo & Company (CA) 147 70,357,719 29.83 27 215 Holding Company (MN) 16 595,782 0.25 3 Bremer Financial Corporation (MN) 53 8,195,738 3.47 28 HMN Financial, Inc. (MN) 12 583,123 0.25 4 TCF Financial Corporation (MI) 89 6,893,833 2.92 29 MidCountry Acquisition Corporation (MN) 13 582,755 0.25 5 Bank of Montreal 23 3,997,930 1.69 30 Mesaba Bancshares, Inc. (MN) 16 560,639 0.24 6 Old National Bancorp (IN) 35 3,175,510 1.35 31 Citizens Bank Group, Inc. (MN) 7 555,686 0.24 7 Bank of America Corporation (NC) 11 3,133,900 1.33 32 Fishback Financial Corporation (SD) 7 535,098 0.23 8 Ameriprise Financial, Inc.
    [Show full text]
  • Community Bank Advisory Council Chair Tyrone Fenderson Jr
    Community Bank Advisory Council 1 Community Bank Advisory Council Chair Tyrone Fenderson Jr. currently serves as President and Chief Executive Officer of Commonwealth National Bank. He has more than 21 years of banking experience in regional and community banks throughout Alabama. He is a member of Commonwealth National Bank's Board of Directors and serves as Chief Executive Officer of the Bank’s holding company; CNB Bancorp, Inc. Mr. Fenderson is also a member of America’s Community Bankers Council, where he plays an advisory role to the Chairman of the American Bankers Association. Vice Chair Guillermo Diaz-Rousselot currently serves as President and CEO of Continental National Bank a $365 million asset bank in Miami, where he has worked for the past 38 years. He serves on the Office of the Comptroller of the Currency Minority Depository Institution Advisory Council and the Minority Depository Advisory Council. Mr. Diaz-Rousselot is also a Director of the American Bankers Association and recently concluded a two-year term as Chairman of the Minority Council of the Independent Community Bankers Association. Guillermo also serves as a board member of both Citizen’s Crime Watch and the Center for Financial Training (CFT). He also Co-chairs the Banking and Finance Committee of the Greater Miami Chamber of Commerce. Angela Beilke currently serves as Vice President, Mortgage Department Manager of American Bank & Trust. She has been with American Bank &Trust since 2005 and has more than 15 years of industry experience. Ms. Beilke has extensive knowledge & expertise in Legal Issues, Community Banking, Supervisory Management, Mortgage Accounting, Mortgage Servicing Law, Federal Rules and Regulations and Technology in Mortgage Banking.
    [Show full text]
  • REGISTER NOW! Friday, April 12Th • 6:00 Pm
    MARCH 2019 ANNUAL MEMBER & COMMUNITY CELEBRATION REGISTER NOW! Friday, April 12th • 6:00 pm NEW HILTON HOTEL . DOWNTOWN ROCHESTER WWW.ROCHESTERMNCHAMBER.COM 2018-2019 Chamber Board MISSION The Chamber promotes business success which Calendar of Events OFFICERS supports a thriving community. March 11 Chair of the Board Greg House House Chevrolet Co. VISION DAY AT THE CAPITOL 125 Live Aaron Benike Location Chair Elect Rochester-area businesses are empowered to 125 Elton Hills Dr NW Benike Construction succeed in a diverse and collaborative climate. 8:30 am - 5:00 pm Treasurer Mike Busch Time Paramark Corp. VALUES Secretary Emily Benner Sponsors Mayo Clinic, City of Rochester, Rochester Airport Company, Bolton & Menk, Southern Minnesota Municipal Preventice As a service organization, the Chamber is committed Power Agency, Rochester Community & Technical College, Winona State University - Rochester Chamber President Kathleen Harrington to conducting our work in accordance with the following values: March 15 March 21 Collaboration | Diversity |Innovation Integrity | Proactivity WOMEN’S ROUND TABLE MEMBER ORIENTATION MEMBERS Location Jaguar Communications Video Location 125 Live Audrey Betcher Individual Membership Conference Center 125 Elton Hills Dr NW 220 South Broadway, Suite 100 Charlie Brannon Charlie’s Eatery & Pub 8:00 - 9:00 am 7:30 - 9:00 am Time Jonathan Buck Five West/Loop Time Sponsors Mayo Clinic, Preventice Solutions, Think Bank Sponsors 125 Live, Sam’s Club Dr. Lori Carrell University of Minnesota Rochester March 21 March 29 John Eckerman Individual Membership Jessica Eidem IBM Kathleen Matt Sam Harrington Bissonette Gill BUSINESS AFTER HOURS AM ESPRESSO Haley Comfort Systems Rochester Family YMCA Cathy Fraser Mayo Clinic WORKFORCE DEVELOPMENT Location Location PRESIDENT VICE PRESIDENT MANAGER 4320 US 52 N 709 1st Ave Greg Griffiths Dunlap & Seeger, P.A.
    [Show full text]
  • CRA Evaluation Charter No. 718037
    PUBLIC DISCLOSURE October 13, 2016 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Think Mutual Bank Charter Number 718037 5200 Members Parkway, NW Rochester, MN 55903-5949 Office of the Comptroller of the Currency Campbell Mithun Tower 222 South Ninth Street Suite 800 Minneapolis, MN 55402-3393 NOTE: This document is an evaluation of this institution's record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operation of the institution. This evaluation is not, and should not be construed as, an assessment of the financial condition of this institution. The rating assigned to this institution does not represent an analysis, conclusion, or opinion of the federal financial supervisory agency concerning the safety and soundness of this financial institution. Charter Number: 718037 Table of Contents OVERALL CRA RATING ....................................................................................................................... 2 DEFINITIONS AND COMMON ABBREVIATIONS ........................................................................... 3 DESCRIPTION OF INSTITUTION ........................................................................................................ 7 SCOPE OF THE EVALUATION ............................................................................................................ 8 CONCLUSIONS WITH RESPECT TO PERFORMANCE TESTS................................................. 10 LENDING TEST .................................................................................................................................
    [Show full text]
  • April2020.Pdf
    SDBANKER OFFICIAL PUBLICATION OF THE SOUTH DAKOTA BANKERS ASSOCIATION | APRIL 2020 An Innovative Bank on the Go BEYOND THE FUNDAMENTALS 2020 National School for Experienced Ag Bankers Photos by South Dakota Tourism JUNE 22-25, 2020 BLACK HILLS STATE UNIVERSITY...”Where Anything Is Possible” SPEARFISH, SOUTH DAKOTA SDOFFICIAL PUBLICATIONBANKER OF THE SOUTH DAKOTA BANKERS ASSOCIATION APRIL 2020 | sdba.com PO Box 1081 | 109 West Missouri Avenue Pierre, SD 57501 605.224.1653 | 800.726.7322 www.sdba.com SDBA OFFICERS CHAIR Shawn Rost, First Interstate Bank, Rapid City CHAIR-ELECT Steve Bumann, BankWest, Inc., Pierre 8 10 VICE CHAIR Kristina Schaefer, First Bank & Trust, Sioux Falls IMMEDIATE PAST CHAIR Karl Adam, First Dakota National Bank, Pierre SDBA BOARD OF DIRECTORS David Bangasser, Dacotah Bank, Sioux Falls Dylan Clarkson, Pioneer Bank & Trust, Belle Fourche Craig Davis, First National Bank, Pierre Jeff Davis, Bryant State Bank, Bryant Pete Mehlhaff, Great Plains Bank, Aberdeen David D. Nelson, First Fidelity Bank, Burke 12 16 Brad Seaman, BankNorth, Aberdeen SDBA STAFF features Curt Everson, SDBA President [email protected] 7 Small Business Funding Treasury Issues Details for SBA Paycheck Protection Program Mike Feimer, President of Insurance and Services [email protected] 8 SDBA News Halley Lee, Administrative Vice President l SD Banks Remain Financially Solid [email protected] l SDBA Seeks Bankers to Serving on Committees, Work Groups Alisa Bousa, Communications Coordinator [email protected] 10 Emerging Leaders Nadine Kepford, IS/Business
    [Show full text]
  • State Banking Board State Credit Union Board
    State Banking Board State Credit Union Board Report to the GOVERNOR For the Biennial Period JULY 1, 2017 to JUNE 30, 2019 I. Lise Kruse Commissioner November 2019 Honorable Doug Burgum Governor State of North Dakota Bismarck ND 58505 Dear Governor Burgum: It is my privilege to present the Biennial Report of the Department of Financial Institutions, State Banking Board, and State Credit Union Board. The Report presents statistical information and major State Banking Board and State Credit Union Board actions for North Dakota's state-chartered banks and credit unions. The Report also presents lists of the Department's licensed collection agencies, money brokers, deferred presentment service providers, money transmitters, and debt settlement service providers. I am pleased to report that North Dakota's financial institutions remain healthy. At the end of the biennial period, 68 state-chartered banks, 20 state-chartered credit unions, and 4 state-chartered trust companies were operating in North Dakota. In addition, there are nearly 4,000 various consumer licensees active as of June 30, 2019. During the biennial period, the State Banking Board approved one national bank charter merging into a state-chartered bank, 14 branches, and 15 interstate branches. In addition, the Commissioner approved 24 loan production offices located throughout the country. The State Credit Union Board approved applications for the merger of one out-of-state and one in-state federal charter into a state-chartered credit union, and one conversion from a federal to state charter, which later merged with another state-chartered credit union. Also, 9 credit union branches were approved.
    [Show full text]