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w w w . i n s i g h t o n b u s i n e s s . c o m J u l y 2 0 15 • I NSIGH T | 29 Del Moral-Niles says the financial crisis also allowed Associated Bank leaders to study its portfolio and focus on strengths. "Certain kinds of construction loans made up too high of a percentage of our portfolio," he says. "We set about building a commercial real estate portfolio that was smarter." at includes investing in manufacturing expansion projects. "at's definitely a growth area," Del Moral-Niles says. "at part of the economy is doing well, so investing in it through construction projects is smart." Nicolet's loan activity has increased, Atwell says. "It all goes back to how the economy is doing. Our activity reflects what our customers are doing. If they are feeling confident and adding on, then we'll be busier," he says. C redit unions are also lending more funds. According to data from the Wisconsin Department of Financial Institutions, lending grew by 10.7 percent at the state's 156 chartered credit unions during the first three months of 2015 compared with the same period in 2014. Credit unions loaned $20.4 billion in January, February and March, up from $18.5 billion during that same time last year. In addition, net income totaled $68.5 million during the first quarter of 2015, up from $56.3 million during the first three months of 2014. "Many of the key indicators by which credit unions measure success are in very good shape. Credit unions are in great position to continue to help the Wisconsin economy grow by providing consumers and businesses the products and services they need to prosper," says WDFI Secretary Ray Allen. "We've expanded our natural territory and get to know the people in the community where we're doing business.We've moved south into the Appleton area as well as into central Wisconsin and to the north in Eagle River and Rhinelander." – B o b At we l l, C E O o f N i co l e t N at i o n a l B a n k JOHNSONBANK.COM/INS B A N K I N G W E A LT H I N S U R A N C E ONE OF WISCONSIN'S LARGEST INDEPENDENT INSURANCE AGENCIES COMMERCIAL | EMPLOYEE BENEFITS | PERSONAL | LIFE Prepare. Protect. Persevere. In a world where statistics can be against you, we'll always be 100% for you. With solid planning and strong partners, you can overcome any obstacle. Johnson Insurance has the expertise and resources to help you reduce risks and build peace of mind – for you, your family and your business. We'll be at your side. And on your side. From day one. Credit unions loosen up