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ST. LOUIS–In part two of this two-part analysis of proposed credit union mergers, CUToday.info has found CUs with some whopping capital ratios (one north of 63%) and only a few planning to return any of that capital to members, as well as a higher-than-usual number of credit unions with no succession plans citing both CEO and board member retirements and as reasons they must find a partner.

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GRAND RAPIDS, Mich.–The National Association of CUSOs (NACUSO) has named Ronaldo Hardy as its new president/CEO, succeeding the retiring Jack Antonini.