Many things contribute to a credit union's financials.  From the beginning, our collaboration work has been one of the biggest strategic efforts at our shops.  It holds that it should have impact on our 5300 reporting.  

In our first full year of operation, we shaved a little over 5% off of our operating efficiency ratio across the group (Operating Expense/Gross Revenue).  More work to do.  We BHAG'ed that we would save 25%.  But we are gratified by our early indicators.