Perfect.
This is a difficult thing to answer. I come from the tourism industry, where for new flights, the hotel community, the tourism community, and the airport authority, would subsidize Air Canada, Icelandair, etc., and guarantee them x number of seats—profits—for the first five years.
Would your community consider doing that for a savings union? Would you say come in, but because it's such a battle for service, we the citizens of the city will subsidize it if necessary?