Hiring great people and prioritizing. We focused on reducing operating expenses and cleaning up the loan portfolio. Since taking the helm our team has worked together to cut the equivalent of $12 million a year in waste. In the first 18 months, Keith Rountree, our VP of Lending, and his team reduced annual loan losses from $4 million to $1 million.

We have a very talented and dedicated group of executives and managers here that know how to get results. Those savings are now passed on to our members making us one of the top performing credit unions in the nation for member returns.