A study released Wednesday portrayed credit unions as wrestling with a paradox of prudency. ... The research brief was issued by TransUnion, the credit reporting agency based in Chicago, and the Filene Research Institute based in Madison, Wis. It was written by Melissa K. Wrapp, who is working on her doctorate in anthropology at the University of California at Irvine. Wrapp interviewed lending officers from nine credit unions across the country whom she quotes by real titles, but fake first names: EVP Josh, Chief Lending Officer Daniel, Michael, Mark, COO Chris, SVP and Chief Lending Officer Lisa, Julie, SVP Laura and Vice President Heather from a small credit union. 

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