Does the rule allow a credit union serving one MSA to expand to a separate MSA if it can demonstrate common interests, particularly if the MSA is adjacent to our existing FOM?

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Yes, if both Metropolitan Statistical Areas are part of the same Combined Statistical Area. A proposed community may also include an immediately adjacent area falling outside of the CSA. To include the adjacent area, the credit union must submit a narrative providing compelling evidence of interaction or common interest. NCUA will issue guidance to help credit unions develop a written narrative. Adjacent Area, MSA, metro, micro, metropolitan, statistical area, micropolitan, combined statistical area, CBSA, CSA, interaction, common interest, written narrative, narrative, community