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Is buying a bank the best return on capital?
A case study of one CU’s merger philosophy and activity
July 26, 2021 by Richard H. Gamble, CU Management
Buying a bank is a little more complicated than merging with another credit union, CUES member Don Cates discovered, especially when regulators move the goalposts and a pandemic hits just before the completion of the deal. CEO of $1.9 billion 3Rivers Federal Credit Union, Fort Wayne, Indiana, Cates knew his CU had the capital to support growth and that it had been looking for a way to enter a new market within a two-hour drive of Fort Wayne.