MUSKEGEON, Mich.-Tough decisions made four years ago are making it easier for Muskegon Co-op FCU to do business in difficult times-including growing loans by 37% in 2009.

With the credit union experiencing low loan growth and a shrinking membership in 2005, Muskegon Co-op FCU made significant changes the following year-creating a structure that rewarded members based on their relationships and toughening lending standards to include not granting loans to C, D, and E credit members.

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