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The study examines the financial challenges faced by the Employee Credit Union (ECU), particularly its accumulation of surplus funds invested in certificates of deposit and a lower loan/share ratio compared to similar institutions. These issues have led to a decline in average earnings on investments and reduced profit margins. The paper provides insights into the implications of these financial trends and highlights the need for strategic adjustments within the ECU to enhance its economic performance.
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Research Methods and Data Analysis Portfolio, Volker Schmid
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- 2007
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