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The default rate on loans made by Rowan Mining Workers Credit Union (a CU open to 750 miners of Rowan mining company and their families)

The default rate on loans made by Rowan Mining Workers Credit Union (a CU open to 750 miners of Rowan mining company and their families) is significantly lower than Washington Federal Credit Union (a CU open to residents of the great state of Washington). Why do you think it is so?

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