LAKE BLUFF, Ill.-Opportunity is knocking for credit unions. That's the view of numerous analysts interviewed by Credit Union Journal who believe credit unions left a lot of bank business on the table following the CARD Act's implementation.

RALEIGH, N.C.-State Employees' CU here and Navy FCU say they have no plans now to make changes to address the new interchange cap.

Bank of America has dropped the first shoe with modest debit card user fees. So now, according to the Dick Durbin School of Macroeconomics, retail merchants will now begin to announce their off-setting and modest product and service price reductions, giving back their legislated windfall to the consumers, as promised.

The claim by industry consultant Mike Moebs that overdraft revenue is "rising from the ashes" (CU Journal, Sept. 26) appears more wishful thinking than reality. Our national survey shows most consumers don't want high-cost bank overdrafts. And most of the one-in-three customers who do sign up for it do so because they either misunderstand what they're getting or want banks to stop badgering them to enroll.

A Credit Union Journal article "Matz Outlines Several New Regulatory Proposals" really only talked about one new regulation and, in my humble opinion, it was a joke. So NCUA Chairman Debbie Matz is trying to make loan participation originators keep 5% of the loan to: 1. Make them more responsible; and 2. Keep future losses from having a major impact on credit unions that do participations as it as it did when the economy collapsed.

MADISON, Wis.-Credit unions that use CUNA Mutual's LoanLiner.com loan application system have originated $39 million in loans since smart phone and tablet loan applications were introduced in June.

LAS VEGAS-Nevada Federal Credit Union last week became "One Nevada Credit Union" following a conversion to a state charter.

Corp America Adds Credit, Debit

LIVE OAK, Texas-Randolph-Brooks FCU is growing substantially in members, assets and loans and humbly says it's not the result of rocket science.

LAS VEGAS-Hosting home buying seminars has become a valuable tool for helping one capture mortgages.

MULBERRY, Fla.-Magnify Credit Union could shed the traditional, generic ".com" domain next year and emerge with a precise, creative online identity: www.magnify.cu.

Midland CU Intro's Dwolla

LAS VEGAS-During Fiserv's recent "Innovate 2011" client conference here, Credit Union Journal asked: "Which technology investment has your credit union made that has really shown a good return on investment?"

Trio Win Tech Awards From Council

Five months after migrating to a full-featured online banking system, Q2 online banking, total logins have nearly doubled at SAC FCU.

GRAND MARAIS, Minn.-Electronic statements are suddenly popular at North Shore FCU here-and the credit union is saving $900 per month by generating the documents internally.

SPOKANE, Wash.-IT managers are going to love how virtualization makes it easy to manage computer servers, but they are also being urged to watch out for three potential hazards: storage options, server sprawl and paranoid end-user.

BRIDGETON, Mo.-Mixing banking transactions with social media may seem like oil and water to many members, but some credit unions see the value in allowing members to view transactions at Facebook or transfer money at Twitter.

MANHATTAN BEACH, Calif.-When members walk in with a deposit at Western FCU here, they may walk out with a funded loan.

THE FIRST STATE GETS THE FIRST CU CHARTER OF THE YEAR