Hello, I would like to know how your credit union is doing, since it merged or was taken over by another credit union. Questions like the following might help us to get the ball rolling: Are the lending rates more competitive now than they used to be ? Is the annual dividend better or worse than it used to be ? Have the range of services and overall efficiency improved ? Are there longer or more convenient opening hours ? Have all of the former credit union offices remained open (with no reduction in opening hours, staff or services, no buildings sold resulting in a reduction in the number of offices etc.) ? Whats the online offering like now, compared with what you used to have ? Whats communication like from the Board and Chairman of the credit union like now, compared with what it used to be ? Mergers and takeovers have been a "hot topic" for the past couple of years across the credit union movement. At some levels, it would appear that the Central Bank has a vested interest in seeing the number of credit unions reduced (to make their job easier !), while at other levels it is clear that credit unions have needed to merge to continue to exist, not alone prosper.