LAS VEGAS -- If you see a few gray hairs on the heads of Nevada Federal Credit Union employees, it's not surprising.

SOUTH JORDAN, Utah -- Data just compiled by Allegiance suggests efforts to tout the credit union difference are resonating with consumers, many looking for a safe financial haven in troubled economic times.

FORT WAYNE, Ind. -- Fifteen people form a credit union. A year later the credit union has grown to 288 members and assets have reached $281,000. One of the next steps, perhaps in another year, will be offering loans.

ENDICOTT, N.Y. -- Frank Berrish, president of Visions Federal Credit Union, is impatient with regulatory chores that eat up time and money--but instead of just grumbling, he's willing to work with groups such as the Federal Reserve.

TROY, Mich. -- Does Target moan if customers are treated poorly at Wal-Mart?

PHOENIX -- Officially it's the innovation suite, but David Doss agrees it could have been called the outside-the-box room.

RALEIGH, N.C. -- As the weather cools this fall, North Carolina State Employees Credit Union will heat up Scam Jam, a program conducted in cooperation with various state agencies as well as private groups.

LENEXA, Kan. -- If you're happy when a couple hundred members turn out for your annual meeting, prepare to be jealous.