The structure and growth of the credit union industry in the United States: meeting challenges in the market.
I Introduction THE DEREGULATION of the financial services industry in the United States, which began to be implemented in 1977, is now more than fifteen years old. Depository, investment, insurance, brokerage and credit type financial intermediaries have evolved into what is called the financial services industry. A complex...

FLAGSHIP NATIONAL BANK.
Full-service banking with community appeal. Do you miss the days when you knew everyone at your bank and they knew you? Now you don't have to. Flagship National Bank offers you the friendliness of a community bank with all the same services that you have come to...

Banks get up to date.
THROUGHOUT THE MIDDLE EAST there is a desire to modernise banking systems in order to create an infrastructure to support a financial industry. From fledgeling stock exchanges to overhauling 10-year old computing systems, modernisation is moving at a rapid pace. Iran is no exception, and is currently being courted...

"I don't know if Jim and I can continue to live together.' (money problems in the family)
"I don't know if Jim and I can continue to live together." "I don't know if Jim and I can survive if we continue to live together." Mrs. Shea, a tall, slender woman in her early 30s, spoke quickly. "We're both much better when we are alone with...

The Guide to the Federal Budget: Fiscal 1990.
The Guide to the Federal Budget: Fiscal 1990. Stanley E. Collender. The Urban Institute Press, $14.95 How many tricks are tucked away in the budget process? Quite a few, it seems, after reading Collender's instructive book. We have come a long way from the days when the only important...

Bank sees profit despite economy; Commonwealth Bank says focus on expenses, revenue.
Byline: Bob Kievra WORCESTER - CNB Financial Corp. prudently managed expenses and restructured its balance sheet last year, making the most of a challenging interest rate environment that limited growth opportunities, President and Chief Executive Officer Charles R. Valade said yesterday. At its annual meeting...

No bank, no rank: people without a checking or savings account find it hard to get ahead in life. States and the federal government are stepping in to help.
Imagine that today is pay day. Most of us won't receive an actual paycheck. The money will be deposited directly into our checking or savings accounts. It will be there waiting for us to draw it out through an automated teller machine (ATM), debit card, credit card or check....

Bank usage plan unveiled; Higher cost firms targeted.
Byline: Bob Kievra WORCESTER - A program to encourage more Worcester residents to use banks instead of check-cashing operations, pawn shops and payday loan providers was unveiled yesterday by a coalition of banks, credit unions, nonprofits and government agencies. Federal, state and local officials said...

Senator to examine preachers' spending.
Byline: Laurie Goodstein The New York Times Sen. Charles Grassley, the ranking Republican on the Senate Finance Committee, is investigating six prominent evangelistic ministries to determine whether they have illegally used donations to finance opulent lifestyles. Grassley said Tuesday that he sent letters to the...

Analyzing market potential: if you expect to grow market share, you first must determine the location of the most promising sources of new revenue. This means employing two measures: "share of the wallet" of existing customers and "market potential" of prospective ones.
One frequent business goal is to increase market share. There are three logical ways to capture a greater market share: (1) Secure more business from existing customers; (2) Enter new markets; and (3) Penetrate existing markets to a greater extent. In order to choose which actions to...