Our members may not be able to do a balance sheet, but they understand the fundamentals. They are proud of our credit union and they want the best benefits and services to continue that they've enjoyed for 56 years.

That's a grave over-simplification of a very complex issue. The bottom line should be what's in it for the members. Personally, I'm not aware of any benefits.

The whole process of applying to convert from a not-for-profit credit union to a for-profit mutual savings bank appears to have been flawed. The responsibility rests clearly on the shoulders of the board of directors.

I am extremely concerned about the recent application, approved by current directors, to convert to a mutual savings bank. And I'm even more concerned about the lack of communication from board members and executive management to members.

It's all about balance. The middle school and high school students are the ones that most often skip breakfast. They just need to eat regularly. I'll get students sent to me in the morning because they have a stomach or a headache and it's because they didn't eat breakfast.

I think there's the potential for some compatibility. But there needs to be a balance and the balance seems to keep tipping in favor of people speculating on student housing.