Diversity has served UFCU well. In recent years, some financial institutions focused on one region, only to encounter great difficulty when the recession hit. In contrast, UFCU’s presence in six states allows the Credit Union to stay sustainable even if one of our regions experiences challenging times. But our size does not equal a one-size-fits-all approach to doing business. Decisions are made locally and in the context of the total value of the Credit Union – not driven by predesigned formulas.