Gregg Stockdale, president of Los Angeles-based Master Printers Section Credit Union, sees hard times for credit unions around him. Despite the, sour economy, Mr. Stockdale hasn't stopped lending. His $17.5 million-asset credit union has a loan-to-deposit ratio about 30 percentage points higher than average and an ROA of 1.6%.

Mr. Arndorfer, an American Banker reporter, spoke with Mr. Stockdale in Las Vegas at the convention for the National Association of State Chartered Credit Unions. Mr. Stockdale is chairman of the organization.

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