Don't be overly cautious. Members have needs, and a lot of our members have been through a particularly difficult period in their lives financially. You need to be there for them.

Don't become overly conservative. You can't. You've got to be there for the members, because they need you. I think it's our duty to be there for them. That doesn't mean you approve every loan, but you have to be there to help the members where there is obviously balanced risk. You can't eliminate the risk, obviously, but don't become so risk averse that you're not really helping the community you serve at large. You can't do that.

We're looking for every opportunity to help our members where they need help. They're responsible individuals and they're just trying to recover from a terrible period.

David Bunch Jr., CEO
FedChoice FCU
Lanham, Md.

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