Trina Larson, dealer rep, $1.2 billion-asset CU of Colorado, Denver
We have seen an increase in indirect lending. We have a CUSO in Colorado that does third-party processing. Dealers like us because they can talk to us. In Colorado there are lots of small, independent auto dealers that other financial institutions won’t work with, but we do. The overall market in Colorado is slow, other than pockets where there is money from energy. Used inventory is really tight, thanks to a huge hailstorm two years ago that damaged a large number of cars. With low inventory, prices are high. Despite all that, we are near where we were last year. By the end of the year we will be down a little bit, but not much.