@Article{NYER_2002_p052,
Title = "{F}actors {D}etermining {C}redit {U}nion {L}oan {R}ates in {L}ocal {M}arkets",
Author = "Joanne G. Tokle and Robert J. Tokle",
Pages = "52-60",
Journal = "New York Economic Review",
Volume = 33,
month = "Fall",
year = 2002
}