Rather than seeing challenges as stumbling blocks, Marianne Pulice, vice president/chief operating officer at XCEL Federal Credit Union, believes they represent opportunity.

"I simply don't give up," said Pulice. "It's the advice I share with everyone. Even when something seems impossible, whether its growing loans or getting deposits, you just keep going and it'll work out. At the end of the day, as long as you keep pushing through and trying, there's nothing that can't be accomplished."

That positive attitude helped Pulice find what she said has been her home in the credit union industry and at the Bloomfield, N.J.-based $135 million credit union.

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