Considering a merger with another credit union takes time and careful exploration to ensure there will be meaningful benefits for both organizations, our employees, and the members we serve. Of course, there are numerous strong credit unions on the west coast we respect. However, considering our shared vision, coast-to-coast footprint and migration of many of our technology partners, it makes sense to join forces with DCU. These are all natural synergies for a prosperous future for our credit union.