Performers in the Muscle Quadrant (Bottom, Right) are above average in Operating Muscle. They will generally have a superior return on assets and be very well capitalized. How can these advantages be leveraged to capture market share and realize economy of scale? Can value be returned to members in the form of more favorable pricing on shares and loans? Are supplemental dividends "on the table" for discussion to reward those members who are contributing to the cooperative though high value product use (credit/debit card, direct deposit, loan products, etc.) and expense avoidance (i.e., paperless statements, bill pay, remote deposit capture, no missed payments, etc.)? You can use the Planning Tool to plot your path to success.