I don't necessarily have an answer. I have the same issue that Darren has. I know that credit unions tend to be able to survive in lower profitability areas. Just because we're owned by our members there may not be the pressures, though of course we have to earn a profit, and every branch has to pay its way, but maybe not as much as a bank branch.
On October 31st, 2016. See this statement in context.