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Credit Union National Association

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The Credit Union National Association , commonly known as CUNA (pronounced "Cue-Nuh"), was a national trade association for both state- and federally chartered credit unions located in the United States . CUNA provided member credit unions with trade association services, such as lobbying, regulatory advocacy, professional development, and professional services management. The organization operated out of its headquarters in Washington, D.C. , and an operations center in Madison, Wisconsin . CUNA's president and chief executive officer Jim Nussle led the organization since September 2014 and now leads its successor organization, America's Credit Unions .

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56-689: CUNA was founded at a meeting in Estes Park, Colorado as a replacement for the Credit Union National Extension Bureau . The first director was Roy F. Bergengren. On August 1, 2023, the association’s board of directors announced its intent to merge the association with the National Association of Federally-Insured Credit Unions , forming a new entity called America's Credit Unions . The merger became effective as of 2024 and longtime CUNA CEO Jim Nussle

112-712: A business known as the Big Owl Tea Place. She proved up on her homestead claim in 1915, and left a memoir of her years there. In 1916 the Estes Valley Library was founded by the Estes Park Women's Club. It originally formed part of the old schoolhouse and contained only 262 printed works. Estes Park was also the site of the organization of the Credit Union National Association , an important milestone in

168-682: A credit union was required to be a member of its local state credit union league in order to qualify for benefits and services from CUNA, but that is no longer a requirement. CUNA employs 295 people in its offices in Washington, D.C. , and Madison, Wisconsin . The Madison campus is also the headquarters of CUNA Mutual Group , the World Council of Credit Unions , and the National Credit Union Foundation . On December 4, 2013, Rose Bartolomucci testified before

224-534: A federal home loan bank. Bartolomucci emphasized that the bill does not guarantee membership to individual credit unions, but only the right to apply for membership. Bartolomucci argued that being able to join the Federal Home Loan Bank System would allow credit unions to better serve their members by providing them with additional liquidity. Bartolomucci also made historical arguments about why credit unions should be eligible. CUNA supported

280-824: A group of Cherokee crossed through the county following the North Fork of the Poudre to the Laramie Plains on their way to California along a route that became known as the Cherokee Trail . The area of county was officially opened to white settlement following negotiations with the Cheyenne and Arapaho in the 1858 Treaty of Fort Laramie , by which time the area was part of the Nebraska Territory . The first U.S. settlers arrived that same year in

336-630: A hotel called The Crags on the north side of Prospect Mountain , overlooking the village. They ran that business in the summer while he continued his coaching career in winters at University of Colorado in Boulder. Many early visitors came to Estes Park in search of better health. The Rocky Mountain West especially attracted those with pulmonary diseases, and in Estes Park some resorts catered to them, providing staff physicians for their care. In 1903,

392-426: A household in the county was $ 48,655, and the median income for a family was $ 58,866. Males had a median income of $ 40,829 versus $ 27,859 for females. The per capita income for the county was $ 23,689. About 4.30% of families and 9.20% of the population were below the poverty line , including 6.80% of those under age 18 and 4.40% of those age 65 or over. Larimer was long a Republican stronghold. Between 1920 and 2004,

448-456: A household in the town was $ 43,262, and the median income for a family was $ 55,667. Males had a median income of $ 31,573 versus $ 20,767 for females. The per capita income for the town was $ 30,499. About 3.2% of families and 4.5% of the population were below the poverty line , including 4.6% of those under age 18 and 0.8% of those age 65 or over. Estes Park's outskirts include The Stanley Hotel , built in 1909. An example of Edwardian opulence,

504-512: A new road was opened from Loveland through the Big Thompson River canyon to Estes Park, increasing access to the valley. In 1907, three Loveland men established the first auto stage line from Loveland to Estes Park with three five-passenger touring Stanley Steamers . The following year, Mr. Stanley built nine-passenger steam busses and opened a bus line between Lyons and Estes Park. By 1912, Estes Park had its own seasonal newspaper,

560-486: A party led by Antoine Janis from Fort Laramie . Janis, who had visited the area near Bellvue in 1844 and proclaimed it "the most beautiful place on earth", returned to file his official claim and helped found the first U.S. settlement in present-day Colorado, called Colona, just west of Laporte. Nearly simultaneously, Mariano Medina established Fort Namaqua along the Big Thompson River just west of present-day Loveland . The first irrigation canals were established along

616-445: A pristine wilderness. Griff Evans and his family came to Estes Park in 1867 to act as caretakers for the former Estes ranch. Recognizing the potential for tourism, he began building cabins to accommodate travelers. It became a dude ranch in Estes Park, with guides for hunting, fishing, and mountaineering; when Isabella Bird arrived in 1873, Evans already had nine men and women as guests. The 4th Earl of Dunraven and Mount-Earl ,

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672-474: A thousand square miles of Colorado as Rocky Mountain National Park . He succeeded and the park was dedicated in 1915. Enos Mills' younger brother Joe Mills (1880–1935) came to Estes Park in 1889. He wrote a series of articles about his youthful experiences for Boys Life which were later published as a book. After some years as a college athletics coach, he and his wife returned to Estes Park and built

728-485: A young Anglo-Irish peer , arrived in late December 1872 under the guidance of Texas Jack Omohundro , subsequently made numerous visits, and decided to take over the valley for his own private hunting preserve. Lord Dunraven's ' land grab ' didn't work, but he controlled 6,000 acres before he changed tactics and opened the area's first resort, the Estes Park Hotel, which was destroyed by fire in 1911. Bird,

784-638: Is Fort Collins . The county was named for William Larimer, Jr. , the founder of Denver . Larimer County comprises the Fort Collins, CO Metropolitan Statistical Area . The county is located at the northern end of the Front Range , at the edge of the Colorado Eastern Plains along the border with Wyoming . Larimer County was created in 1861, and was named after General William Larimer . Unlike that of much of Colorado, which

840-664: Is the president and CEO of the new association. CUNA is supported through dues paid by credit unions through their local league dues and fees generated from services provided. CUNA has previously operated a for-profit "CUNA Services Corp." However, many of the pass-through services, such as credit card processing and individual retirement account (IRA) administration, have been sold to other vendors. CUNA also houses eight CUNA Councils - national organizations for credit union professionals. Run by and for credit union professionals, Councils target their networking, information and programs to key areas of credit union management. Prior to 2016,

896-755: The Credit Union Share Insurance Fund Parity Act (H.R. 3468; 113th Congress) , a bill that would expand federal deposit insurance to include Interest on Lawyer Trust Accounts (IOLTAs) and similar escrow accounts housed within credit unions. The CUNA said that "this legislation is necessary because the National Credit Union Administration (NCUA) has interpreted that the Federal Credit Union Act does not permit it to extend such coverage." CUNA President Bill Cheney said that

952-472: The Estes Park Trail , which provided advertising for the local hotels and other businesses. It was a year-round weekly by 1921. In 1949, Olympus Dam was finished, creating Lake Estes , giving the town its main source of drinking water. Land was still being homesteaded in the area in 1914, when Katherine Garetson (1877–1963) filed on land near the base of Longs Peak. She built a cabin and started

1008-805: The United States House Financial Services Subcommittee on Financial Institutions and Consumer Credit on behalf of CUNA in favor of the bill To amend the Federal Home Loan Bank Act to authorize privately insured credit unions to become members of a Federal home loan bank (H.R. 3584; 113th Congress) . The bill H.R. 3584 is a bill that would amend the Federal Home Loan Bank Act to treat certain privately insured credit unions as insured depository institutions for purposes of determining eligibility for membership in

1064-546: The president and chief surveyor of the Colorado Central. Likewise, Wellington (founded in 1903) was named for a railroad employee. The Greeley, Salt Lake, and Pacific Railroad arrived three years later as a subsidiary of the Union Pacific Railroad , with the intention of creating a transcontinental line over Cameron Pass . Although the line was never extended over the mountains, it opened up

1120-479: The "road" was only a trail fit for pack horses. The improved road brought more visitors into Estes Park; some of them became full-time residents and built new hotels to accommodate the growing number of travelers. In 1884, Enos Mills (1870–1922) left Kansas and came to Estes Park, where his relative Elkanah Lamb lived. That move proved significant for Estes Park because Mills became a naturalist and conservationist who devoted his life after 1909 to preserving nearly

1176-640: The 1930s with the construction of the Colorado Big Thompson Project following the Great Depression , sort of a third boom for the agricultural industry around Fort Collins. This project collected and captured Western Slope water, and carried it over to the Front Range Colorado counties of Boulder , Larimer, and Weld , along with extensive water storage and distribution system, which significantly extended

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1232-628: The Estes Park Museum identified the touring party as Shep Husted, guide; Gun Griswold, a 73-year-old judge; Sherman Sage, a 63-year-old chief of police; Tom Crispin, 38-year-old reservation resident and interpreter; Oliver W. Toll, recorder; and David Robert Hawkins, a Princeton student. In the 1850s, the Arapaho had spent summers camped around Mary's Lake, where their rock fireplaces, tipi sites, and dance rings were still visible. They also recalled building eagle traps atop Longs Peak to get

1288-489: The Netherlands, Scotland, and Ireland. Eighty had been born in midwestern states, and thirty from states in the northeast. As of the census of 2010, 5,858 people, 2,796 households, and 1,565 families resided in the town of Estes Park. The population density was 929.5 inhabitants per square mile (358.9/km ). There were 4,107 housing units at an average density of 570.6 per square mile (220.3/km ). The racial makeup of

1344-685: The Poudre in the 1860s. In 1862 the settlement established by Janis became a stagecoach stop along the Overland Stage Route which was established because of threats of attacks from Native Americans on the northern trails in Wyoming. In 1861, Laporte was designated as the first county seat after the organization of the Colorado Territory . In 1862, the United States Army established an outpost near Laporte that

1400-737: The United States with the Louisiana Purchase and was organized as part of the Missouri Territory . In 1828 William H. Ashley ascended the Cache la Poudre River on his way to the Green River in present-day Utah . The river itself received its name in the middle 1830s from an obscure incident in which French-speaking trappers hid gunpowder along its banks, somewhere near present-day Laporte or Bellvue . In 1848

1456-447: The airport and Estes Park is provided by local carriers. The town of Estes Park operates Estes Transit, a free shuttle during the summer months. Estes Park's official sister city is Monteverde , Costa Rica . Fort Collins, CO Metropolitan Statistical Area Larimer County is a county located in the U.S. state of Colorado . As of the 2020 census , the population was 359,066. The county seat and most populous city

1512-509: The area. At the time of the arrival of Europeans in the early 19th century, the present-day county was occupied by Native Americans , with the Utes occupying the mountainous areas and the Cheyenne and Arapaho living on the piedmont areas along the base of the foothills. French fur trappers infiltrated the area in the early decades of the 19th century, soon after the area became part of

1568-656: The bill "would reduce credit unions regulatory burden and help them better serve their members." Estes Park, Colorado Estes Park ( / ˈ ɛ s t ɪ s / ) is a statutory town in Larimer County, Colorado , United States. The town population was 5,904 at the 2020 United States Census . Estes Park is a part of the Fort Collins, CO Metropolitan Statistical Area and the Front Range Urban Corridor . A popular summer resort and

1624-411: The case. William Henry Jackson photographed Estes Park in 1873. Alex and Clara (Heeney) MacGregor arrived soon after and homesteaded at the foot of Lumpy Ridge . The MacGregor Ranch has been preserved as a historic site. In 1874, MacGregor incorporated a company to build a new toll road from Lyons, Colorado , to Estes Park. The road became what is today U.S. Highway 36 . Before that time, however,

1680-610: The construction of the large processing plant of the Great Western Sugar Co. in Loveland. In the following decade, the sugar beet industry brought large numbers of German emigrants from the Russian Empire to the county. The neighborhoods of Fort Collins northeast of the Poudre were constructed largely to house these new families. A significant increase in the agricultural productivity of the region came in

1736-503: The county in 1877 when the Colorado Central Railroad extended a line north from Golden via Longmont to Cheyenne . The town council of Fort Collins designated right-of-way through the center of town (and through the campus of the unbuilt college) for the line, creating a contentious issue to this day. Along the new railroad sprung up the new platted towns of Loveland and Berthoud , named respectively after

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1792-416: The county. The population density was 97 people per square mile (37 people/km ). There were 105,392 housing units at an average density of 40 units per square mile (15 units/km ). The racial makeup of the county was 91.44% White , 0.66% Black or African American , 0.66% Native American , 1.56% Asian , 0.08% Pacific Islander , 3.41% from other races , and 2.19% from two or more races. 8.27% of

1848-795: The creek and into the Big Thompson River. Estes Park sits at an elevation of 7,522 feet (2,293 m) on the front range of the Rocky Mountains at the eastern entrance of the Rocky Mountain National Park . Its north, south and east extremities border the Roosevelt National Forest . Lumpy Ridge lies immediately north of Estes Park. At the 2020 United States Census , the town had a total area of 4,414 acres (17.862 km ) including 48 acres (0.194 km ) of water. Estes Park

1904-814: The daughter of an Anglican minister, came overland to Colorado, where she borrowed a horse and set out to explore the Rocky Mountains with a guide, the notorious James Nugent , aka 'Rocky Mountain Jim'. She wrote A Lady's Life in the Rocky Mountains , a memoir of their travels, including the breathtaking ascent of Longs Peak, where she was literally hauled up the steep pitches "like a bale of goods." On June 19, 1874, Rocky Mountain Jim and neighbor Griff Evans (see above) had an argument. Having had bitter history with each other, Nugent and Evans hated each other and were deep personal rivals when it came to tour guiding tourists. The argument escalated until Evans blasted Jim in

1960-701: The first campus buildings. In 1873, Robert A. Cameron and other members of the Greeley Colony established the Fort Collins Agricultural Colony , which greatly expanded the grid plan and population of Fort Collins. One of the primary goals of the early citizens of the county was the courting of railroads . County residents were disappointed when the Denver Pacific Railroad bypassed the county in 1870 in favor of Greeley . The first railroad finally arrived in

2016-408: The head with his rifle shotgun. Evans then traveled to Fort Collins to file an assault charge against Nugent, but he was arrested and tried for first degree murder when Jim Nugent died on September 9, 1874, of the bullet wound. Evans was put on trial, but the case was soon dismissed due to the lack of witnesses to the shooting. On August 9, 1875, the Loveland court-house acquitted Evans of any charges in

2072-586: The history of American credit unions . In 1992, members of the modern American militia movement attended the three-day Rocky Mountain Rendezvous in Estes Park, which focused on "guns, resisting the federal government, and white supremacy". The town suffered severe damage in July 1982 from flooding caused by the failure of Lawn Lake Dam , "after years of disrepair and neglect." The flood's alluvial fan can still be seen on Fall River Road . The downtown area

2128-701: The hotel continues to provide overnight accommodation to guests to this day, offering a broad range of activities and events including daily history and ghost tours of the hotel & the Cascades Restaurant and Whiskey Bar. On May 21, 2021 the Mustang Mountain Coaster opened in Estes Park on the Sombrero Ranch. Built and operated by the Walker family the coaster demonstrates a diversification of outdoor adventures provided by

2184-428: The irrigable growing season and brought substantial additional land under irrigation for the first time. According to the U.S. Census Bureau , the county has a total area of 2,634 square miles (6,820 km ), of which 2,596 square miles (6,720 km ) is land and 38 square miles (98 km ) (1.4%) is water. As of the census of 2000, there were 251,494 people, 97,164 households, and 63,156 families residing in

2240-642: The location of the headquarters for Rocky Mountain National Park , Estes Park lies along the Big Thompson River . Landmarks include The Stanley Hotel and The Baldpate Inn . The town overlooks Lake Estes and Olympus Dam . Before Europeans came to the Estes Park valley, the Arapaho Native Americans lived there in the summertime and called the valley "the Circle." When three elderly Arapahoes visited Estes Park in 1914, they pointed out sites they remembered from their younger days. A photograph at

2296-476: The only Democratic presidential candidate to win a majority of votes in the county was Lyndon Johnson in 1964. However, increasing urbanization, as well as the influence of Colorado State University, caused the Republican margins to decline steadily in the 1990s and early 2000s. In 2008, Barack Obama became the first Democrat to carry the county with the majority of the vote since 1964, and in so doing recorded

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2352-441: The population were Hispanic or Latino of any race. There were 97,164 households, out of which 31.70% had children under the age of 18 living with them, 53.60% were married couples living together, 7.90% had a female householder with no husband present, and 35.00% were non-families. Of all households 23.40% were made up of individuals, and 6.30% had someone living alone who was 65 years of age or older. The average household size

2408-476: The quarrying of stone for the railroad at Stout , furnishing another industry for the region. The brief attempt at the mining of gold in the region centered at the now ghost town of Manhattan in the Poudre Canyon . The early growth of agriculture, which depended highly on direct river irrigation, experienced a second boom in 1902 with the introduction of the cultivation of sugar beets , accompanied by

2464-536: The ranch whilst ensuring the protection of the natural landscape and is touted as the only mountain coaster located in relatively close proximity to the Denver, Boulder and Fort Collins area. Opening to the public in July, 1955 the Estes Park Aerial Tramway carries passengers from the outskirts of Estes Park to the summit of Prospect Mountain , boasting a ridership of over 3 million. The Tramway

2520-419: The spring and fall, wapiti travel through the town on their migrations to and from the national park. Trail Ridge Road , the highest continuous highway in the United States, runs from Estes Park westward through Rocky Mountain National Park, reaching Grand Lake over the continental divide . The main airport serving Estes Park is Denver International Airport , located 75 miles southeast. Service between

2576-554: The town was 91.0% White , 0.3% African American , 0.5% Native American , 1.2% Asian , 2% Pacific Islander , 5.5% from other races , and 1.4% from two or more races. Hispanic or Latino of any race were 14% of the population. There were 2,541 households, out of which 20.5% had children under the age of 18 living with them, 52.3% were married couples living together, 6.6% had a female householder with no husband present, and 38.4% were non-families. 31.0% of all households were made up of individuals, and 9.7% had someone living alone who

2632-406: The valley's resources. Whites probably came into the Estes Park valley before the 1850s as trappers, but did not stay long. The town is named after Missouri native Joel Estes , who founded the community in 1859. Estes moved his family there in 1863. One of Estes' early visitors was William Byers , a newspaper editor who wrote of his attempted ascent of Longs Peak in 1864, publicizing the area as

2688-410: The war feathers coveted by all tribes. They remembered their routes to and from the valley in detail, naming trails and landmarks. They pointed out the site of their buffalo trap, and described the use of dogs to pack meat out of the valley. Their recollections included a battle with Apaches in the 1850s, and fights with Utes who came to the area to hunt bighorn sheep, so all three of those tribes used

2744-549: The withdrawal of the Army. By that time, Mason and others had convinced the Colorado Territorial Legislature to designate the new town as the county seat. In 1870, the legislature designated Fort Collins as the location of the state agricultural college (later Colorado State University ), although the institution would exist only on paper for another 9 years while local residents sought money to construct

2800-400: Was 2.52 and the average family size was 2.99. In the county, the population was spread out, with 23.80% under the age of 18, 14.20% from 18 to 24, 30.70% from 25 to 44, 21.80% from 45 to 64, and 9.60% who were 65 years of age or older. The median age was 33 years. For every 100 females there were 99.90 males. For every 100 females age 18 and over, there were 98.20 males. The median income for

2856-449: Was 65 years of age or older. The average household size was 2.11 and the average family size was 2.61. In the town, the population was spread out, with 17.6% under the age of 18, 5.8% from 18 to 24, 26.6% from 25 to 44, 29.4% from 45 to 64, and 20.7% who were 65 years of age or older. The median age was 45 years. For every 100 females, there were 92.2 males. For every 100 females age 18 and over, there were 90.7 males. The median income for

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2912-668: Was built and operated by the Heron family until March 21st, 2024. Controlling interest in the Tramway was sold to Gondola Ventures who reopened and have been operating the Tramway since May 25, 2024. Olympus Dam , on the outskirts of the town, is the dam that creates Lake Estes , a lake which is the site for boating and swimming in Estes Park. There are some hotels on the shore. Roughly three to four million tourists visit Rocky Mountain National Park each year, with 2021 seeing 4.4 million tourist visits; most use Estes Park as their base. In

2968-513: Was designated as Camp Collins . A devastating flood in June 1864 wiped out the outpost, forcing the Army to seek a better location. At the urging of Joseph Mason , who had settled along the Poudre in 1860, the Army relocated its post downstream adjacent to Mason's land along the Overland stage route. The site of the new post became the nucleus of the town of Fort Collins , incorporated in 1873 after

3024-424: Was extensively renovated after the flood, and a river walk was added between the main street, Elkhorn Avenue, and the Big Thompson River. Both U.S. Highway 36 and U.S. Highway 34 , the major routes into town, were severely damaged. Hundreds of Estes Park residents were also isolated by the destruction of sections of Fish Creek Road and all nine crossings across Fish Creek. Damaged sewer lines dumped raw sewage down

3080-473: Was founded on the mining of gold and silver , the settlement of Larimer County was based almost entirely on agriculture , an industry that few thought possible in the region during the initial days of the Colorado Gold Rush . The mining boom almost entirely passed the county by. It would take the introduction of irrigation to the region in the 1860s to bring the first widespread settlement to

3136-607: Was home to a number of now defunct ski areas: Estes Park vicinity was also the home of other resorts and tourist attractions. Estes Park has a humid continental climate ( Koppen : Dfb ). Summers are typically warm, sometimes hot, while winters are usually cold, with lows dropping into the teens and sometimes the single digits. In August 1900, Estes Park had a population of 218 in 63 households. Many (73) were born in Colorado. Eighteen were born in other countries: Canada (4), England (4), Germany (4), Finland (3), and one each from

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