Ask credit union economists about lending growth, and then prepare to stand back while they wax enthusiastic about the opportunities available in a new period of growing prosperity.

Lending is on the rise, they asserted, with the data in hand to prove it. Happy days are here again.

Credit union lenders, by contrast, appeared more cautious and thoughtful about the days ahead. They said they know that not all credit unions prosper equally in the new, more bountiful lending environment, and that walking the walk isn't the same as talking the talk.

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