IBM clients are already benefiting from this agreement. An occupation-based charter would limit the Dallas Teachers Credit Union's member base to around 250,000. By enlarging its scope to include the residents in a five-county area around Dallas, the credit union could attract 2.2 million potential members. That information was then plotted on a map using ArcView Business Analyst and sent to Texas Credit Union Department officials to request the change. As its member base grows, the Dallas Teachers Credit Union averages two new locations per year.
More factors come into play than just the number of members when building a new branch.
Sometimes the new branch needs to alleviate high traffic patterns at an existing branch. We wanted the drainoff. We mapped out intersecting circles from the branch locations showing two to three miles of overlapping members. We estimated a 20 percent drainoff, and I think we've got about 25 percent from the old branch using the new branch. The Board of Directors likes to see visuals.