Rapid asset growth had proved to be a problem for MaPS Credit Union.

While doom circled around it, the $382 million CU managed to tread water. Even after an investment loss 11 years ago led to an order from the NCUA to divest a portion of its investment portfolio that caused a $3 million hit to MaPS' capital, taking it down to 5%, said Mark Zook, president/CEO of the Salem, Ore.-based CU. Still over the next decade, MaPS grew between 25 to 30 basis points as the CU carried on with "slow and deliberate growth."

The CU continued to grow assets and capital despite having shares in troubled WesCorp and U.S. Central, Zook said. The unintended problem was several bank failures and cease and desist orders in MaPS' market brought more assets in.

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