Data Mining to Identify New Markets (1,176 words)
December 1, 2000

What's a financial institution to do when it has reached a plateau in its current market? That was the situation Dallas Teachers Credit Union (DTCU) found itself in last year when it realized it had little room for growth. But its status was even more critical. It knew it might never expand much beyond its current 147,000 members, or at most its projected top level of 250,000 members, without a change to its charter. You see, the credit union was chartered as an occupational group in 1931 and could not offer its services outside the education market. "We had hit the ceiling of