Strategic Planning, A 4-Part Series

Our planning process for 1999 really began in 1997 as the board and management saw a revenue gap starting to widen. Our members are expecting more and paying less. We have seen our margin shrink 20% in the last 5 years from 544 bp to 435 bp while we have continued to respond to member needs by adding components to our delivery system. Internet home banking, debit cards, more ATM locations, all without surcharges, have been added for member convenience. Not only do our members have an enhanced delivery system, they pay no additional charge or fees for these new services.




Jan. 1, 1999



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