2013 trends and headlines indicate there will be a revision to net worth regulations. Largely unchanged for many years, there’s increasing pressure for the NCUA to make changes. Building on the momentum of 2013, continued loan growth is expected in many markets. With the anticipated reduction of stabilization assessments and another year that likely won’t involve an NCUSIF premium, some of these pressures on ROA should be diminished. However, net interest margin will continue to feel pressure and compliance costs will be a challenge. The future for the industry is an exciting one for those thriving on challenge and ready for innovation and change!