We realize that we're in a very competitive industry and we really need to offer something over and beyond what our competition offers. It is a commodity, but at some point the service is what sets you apart from the competition.

There are so many people in the industry so we need to be unique. We've got to offer very prompt service.

When you think of the person who goes to Disneyland and spends $500 and puts it on the credit card and their interest rate is 15 percent (debt) ... the person that puts it in the credit union is getting 4 percent (gain). The difference is close to 20 percent.

A lot of home offices will have a multifunction machine that handles everything. If that's down, they can't fax and they can't print. They would really have a tough time doing anything.

We love this area and we think it's a great town and area to do business in. We decided this is where we wanted to establish our roots. We just loved the downtown feel. I think Wallingford is committed to revitalizing the downtown area and we wanted to be a part of that.

He comes through in the clutch.