SAN DIEGO-Although James Harris sees banks as the main competition for $742-million USE Credit Union, he acknowledges the nature of the hyper-competitive San Diego market means other CUs must also be reckoned with.

"Banks are the primary competition, from market share to product pricing," said Harris, CEO of the former University & State Employees CU since 2004. "The opportunity is in offering better price and quality. But yes, we compete with other credit unions on a field of membership standpoint with so many community charters."

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