When asked how he sees the state of business services and lending among credit unions, Larry Middleman teeters on optimism and concern.

"It's a mixed bag," said the president/CEO of CU Business Group, a Portland, Ore.-based business services CUSO that serves more than 350 credit unions.

"Many credit unions are trying to take it up a notch. Some have problem loans, and you have some that are looking at different products such as remote-deposit capture and ACH."

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