Vantaggi
Location is great with plenty of food and shopping choices nearby. Weather is always nice in this area of the South Bay.
Svantaggi
This organization and its CEO rank lower than B of A and Wells Fargo, and markedly lower than other credit unions. Leadership is still weak and there is little effort on helping people get better --- it's easier to fire them instead, and especially if they question or are perceived as a threat to the manager. The company is still hooked on mortgage lending and has been unable to expand into other areas to reduce its reliance on production and gain on sale. This singular focus, Combined with atrocious efficiency ratio make earnings unstable. CEO knows this -- like he knows everything and doesn't hesitate to tell us that in most condescending fashion, often -- but he lacks the management experience and ability to turn it around. The needle is stuck and he and his inner circle aren't able to move it through people. (It's easy to give orders or "reorganize" out the people who you don't like. It's much more demanding and heretofore unseen to lead, engage, and coach the organization to higher performance and quality for its members and employees.)