Removal of this portion of the exclusionary clause would permit 325 county employees who work in a facility in Olean, and who currently qualify only for membership in Cattaraugus, to qualify for membership in Olean as well. Cattaraugus objects to removal of the exclusionary clause. In addition, Olean did not provide any documentation of the excluded group s interest in joining Olean. Olean requested reconsideration by the Region I Director, but the request was again denied. Olean appealed the Region I Director s denial in March, 1997.
General policy requires that every reasonable effort be made to avoid an overlap.
In the event an overlap situation arises, officials of the credit unions involved should attempt to work out the overlap problem themselves. When resolution of an overlap problem is not possible, an overlap may be justified by certain circumstances and may be permitted by the Regional Director. However, there is no requirement that, even if certain circumstances are met, an overlap must be permitted. Conversely, neither certain specialized services by themselves nor proximity by itself, will justify an overlap. The Chartering Manual offers no guidance on whether or not an overlap may be considered when none of the articulated factors are present.