A Synopsis Of Stories Inside This Issue
Bankruptcy reform bill's fate come down to some simple numbers -page 1
The Utah legislature has asked Congress to allow states to tax federal credit unions. -page 1
As the credit union faithful gather in the nation's capital, another capital issue looms. -page 1
Regulators offer bounce protection guidelines. -page 3
CU competition forces Utah bank to raise deposit rates. -page 3
There's a dangerous pest lurking in those hallowed grassroots. -page 6
Small CUs from California and Nevada get GAC "scholarships." -page 8
CUs expected to deliver 660,000 signatures supporting CU tax exemption. -page 8
TIP charter applications, underserved area requests continue to grow.
Six CUs in two states discuss why they feel they must merge. -page 13
CUs share strategies for reaching out to immigrants and growing membership -pages 14, 16
New York's banks and credit unions put differences aside to team up on low-income project. -page 18
As credit unions have become a target for other financial institutions they are seeing multiple growth factors decrease. -page 20
Washington Watch -page 22
CUs go back to their roots to learn about the Federal Credit Union Act that started it all. -pages 23-25
Volunteers who've gone on the stump for credit unions share their legislative lobbying strategies. -pages 26-28, 30-32, 34.
Readers take this month's coffee break challenge: proving the CU difference to lawmakers. -page 36
How state leagues use volunteer lobbyists to demonstrate the CU difference -pages 38, 40, 42, 44, 46
The irony of success: the proof that CU movement in Russian and Poland are making strides is that banks in these countries have gone on the attack. -page 41
Wegner winner Jim Likens finally reveals behind-the-scenes role he played in CU history. -page 47
Wegner winner Cliff Rosenthal recaps his efforts to help build low-income CUs. -page 48
Wegner winner Dennis Dollar shares his vision for the future of the CU movement. -page 50
The always irreverent Jim Blaine shows how FDIC has proven that yes, Virginia, there is a difference between credit unions and banks. -page 53
Are credit unions selling themselves short when doing business with banks?
CUNA CEO Dan Mica Outlines Top 10 list for CUs while in Washington.
How credit unions can turn potential new members into actual members is the whole point of PALS, according to NCUA Board Member Debbie Matz -page 56
Former NCUA Chairman Norman D'Amours and former FDIC Chairman William Isaac explain why they believe dropping the CU leverage ratio to 2% is wrong.
No matter how noble the cause needs to be audited and reviewed periodically. -page 58
Lessons credit unions can learn from Fannie Mae debacle. -page 60
CUs must face fact that converting to a bank isn't all about greed. -page 62
Sheri Ledbetter debunks the top myths that keep credit unionists from getting involved in political advocacy. -page 64
Why attacking credit unions just makes business sense to bankers. - page 64
Why credit unions can't get any respect from bankers-and why they must demand it. -page 66
Top 10 ways to increase the power of the credit union movement. -page 68
Why credit unions must "unlearn the past" to survive and thrive in the future. -page 69
Spokane CU celebrates 70th anniversary with time capsule. -page 70
Single moms get leg-up from WE STconsin partnership with local agency.
Eye On The Competition-a compilastion of what's happening in the financial industry. -page 72
PEOPLE, PLACES, PROMOS
Why one credit union executive is leaving a comfortable life behind to help Thailand's orphans. -page 73
This CU executive has a soft spot in her heart for members of the military serving in Iraq-because she was one of them. -page 74
United Way's Day of Caring renamed for ESL FCU. -page 75
Learn what the new CEO of the world's largest credit union has in store for Navy FCU. -page 76
CUNA Mutual Group's new CEO has been getting an earful upon taking the reins. -page 76, 77
Check out the latest credit union marketing. -pages 78, 80
See the latest news from The Credit Union Journal's website.
A Look at how the Top 100 credit unions finished in 2004
Ecoomists see moderately improved 2005 for credit unions. -page 82
See how credit unions are making headlines in their communities.
-pages 84, 86, 90
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