Credit unions may use this advantage

Competition from credit unions has intensified in recent years as historical federal limits on membership have been relaxed. Because federal law subsidizes credit unions by giving them a general exemption from federal income taxes, credit unions have a significant cost advantage over banks and savings associations, which are fully subject to federal income taxes. Credit unions may use this advantage to offer rates that are highly competitive with those offered by banks and thrifts.. Tankini Swimwear Before we begin, I would like to remind you that during today's call, we will be making forward looking statements regarding future events and financial performance, including our guidance for the second quarter and fiscal year of 2018. We caution you that such statements reflect our best judgment based on factors currently known to us, and that the actual events or results could differ materially. 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