Dan McGowan, sometimes stumbles over his words when discussing the credit union movement and his work at Tallahassee, Fla.-based Envision Credit Union.

"Pardon me. I get excited about these things, and my mouth and brain sometimes don't always get into the same gear," said the 51-year-old senior vice president/chief financial officer.

McGowan has much to be excited about. Since joining the $202 million Envision two years ago, he has executed a veritable Sherman's March through the institution's financial systems.

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