• Staff Continuity
  -- No layoffs
  -- Greater internal opportunities

• Diversification
  -- Expanded demographics within the credit union can bring needed borrowers, savers, youth, community access and member growth opportunities
  -- Diversifying field of membership buffers the credit union from sponsor-related activities that inhibit credit union growth, such as company closures, down-sizing, strikes, negative press, etc.

• Expanded Geographic Reach
  -- Convenience is enhanced through additional branches
  -- Enhanced capacity to grow and expand branch and electronic networks

• Economies of Skill
  -- Attract and retain quality employees

• Economies of Scale
  -- The purchasing power needed to negotiate better contracts and obtain products, services and resources needed for greater operational efficiency

• Enhanced Products and Services
  -- Expand services to one credit union that are already offered through the other
  -- Add new services that can now be justified due to economies of skill and scale

• Technology Enhancements
  -- Upgrading/combining systems and technology become possible with economies of scale

• Financially Strong Organization
  -- A stronger capital base positions the credit union for the future

• Bigger Competitor in the Marketplace
  -- Greater economies of scale to position the credit union for a bright future