The number of U.S. credit unions in operation has been declining since 1969; moreover, the average size credit union has also been declining under the pressure of intense competition from banks and savings and loan associations.

Question

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While the number of U.S. credit unions has been declining since 1969, the average size of a credit union has been increasing, not declining, as smaller credit unions merge or are absorbed by larger ones, and as the remaining credit unions grow in membership and assets.

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