Appropriate utilization of capital or having the ability to access secondary capital is a necessity for growth. Accessing secondary capital allows for additional asset growth which produces increased earnings and immediately increases net worth. This results in the credit unions ability to expand member services and fuels future growth. With the exception of low-income designated institutions, credit unions are the only financial institutions in the country that do not have access to secondary capital sources. CMS specializes in providing qualified LICU’s  with a Secondary Capital plan to grow their asset base, improve earnings, control risks and enhance the member experience. Since everything starts with capital.