“When life gives you lemons, make lemonade” is a proverbial phrase often used to encourage optimism and a can-do attitude in the face of adversity or misfortune. When speaking with credit unions that are facing big challenges especially with earnings or growth, I like to tell them about Teri Robinson and the Pacific NW Ironworkers FCU.

Teri Robinson took over at the helm of Pacific NW Ironworkers FCU in March 2010 – just in time to receive a letter that would forever change her leadership path. The NCUA told her that her small Portland, Ore., credit union was in net worth restoration and had been downgraded.

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