Good morning, happy Friday, and an early Merry Christmas. As a reminder, the New York Credit Union Association and our Affiliates will be closed Monday in observance of the holiday. The Point will resume publication Tuesday. Here’s what’s happening today:

The Massachusetts Share Insurance Corporation, in partnership with the New York Credit Union Association, has released the 2017 third quarter Custom Performance Report – The Point

NCUA recently approved Hudson River Financial FCU’s community charter expansion request, which was written by the Association – The Point

Credit union employees and volunteers are encouraged to connect and engage with the Association on social media – The Point

The Republican tax overhaul will slash deductions for fewer homeowners than the version proposed nearly two months ago – CU Times

Overdraft services are often not well understood by consumers and frequently fail to meet their needs, according to a new report from Pew Charitable Trusts – CUToday

U.S. Rep. Jerry Nadler, D-10, is now the ranking member of the influential House Judiciary Committee – The Hill

New York is on pace to lose at least one congressional seat in 2022 – Politico

A survey conducted by AARP found three-quarters of employers in New York who don’t have a retirement savings program for their workers are willing to support the creation of a state-sponsored system – Times Union