SAN DIEGO-A time-tested rule of camping is to "leave the campsite in better condition than you found it."

If North Island Credit Union were a campsite, John Tippets would have his merit badge. After retiring from American Airlines FCU in Texas 2008, one year later Tippets was brought in to help turn around the fortunes of "The Island," as it calls itself. There was much turning around to do. In 2008 NICU lost $50.1 million. In 2009 it lost $52.3 million, including $9.6 million in assessments.

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