ALEXANDRIA, Va.-The bulk of the 25 credit unions merged in November were of credit unions with less than $10 million in assets. Twenty of the 25 mergers that took place last month involved credit unions under $10 million in assets, according to NCUA's November Insurance Report of Activity. Of those, seven of the merged credit unions had less than $1 million in assets. On a positive note, nearly 1.9 million people can now join a credit union because of 15 underserved areas credit unions added in November. HEW Federal Credit Union in Alexandria, Va. (572,059) and Chemcel Federal Credit Union in Texas (313,645) adopted the two largest undeserved areas last month. In the first 11 months of the year, NCUA approved 245 underserved areas for 155 credit unions adding nearly 22 million potential members. November featured some large community charter conversions as well. The largest was Arizona Federal Credit Union's conversion to serve nearly 3.1 million potential members. The $1.2 billion credit union already boasts 1.1 million members. The NCUA Board did not have to approve the record-sized community because it had already been approved for SunWest Federal Credit Union in August. Other sweeping community charter conversions included Duval Federal Credit Union for an area encompassing 792,434 potential members, SourceOne Federal Credit Union for 675,846 potential members, and Y-12 Federal Credit Union for 623,953. Two more TIP-trade, industry, and profession-charters were approved last month for ($47 million) Central Florida Health Care Federal Credit Union for a five-county area serving health care workers and NWA Federal Credit Union ($1.4 billion) for a nationwide TIP serving a potential of 190,000 airline employees.