Koger & Williams Companies developed the credit union "member friendly" Indirect Lending concept in 1989. With nearly 3 decades in providing Indirect Lending Programs for the credit union space, our expertise and firm principles have formed the foundation for our success.• A credit union and the integrity of its relationship with its embers MUST be preserved.• A credit union and its particular market are specific to that credit union - no two credit unions are alike.• A credit union should control its own destiny with regard to Indirect Lending by OWNING the program.• Credit Union staff must be properly trained.• Proper auditing standards and monitoring of the Indirect Lending Program are critical.• A credit union Indirect Lending Program is only as good as its consultant(s).