@Article{NYER_2008_p085,
Title = "{T}he {E}ffect of {C}aptial {R}atios on {C}redit {U}nion {R}ates {N}ationwide",
Author = "Robert J. Tokle and Joanne G. Tokle",
Pages = "85-93",
Journal = "New York Economic Review",
Volume = 39,
month = "Fall",
year = 2008
}