PHILADELPHIA, Pa. (6/12/09)--Two Philadelphia-area credit unions--Freedom CU and TruMark Financial CU--presented their argument for community charters during a hearing Wednesday before the Commonwealth Court in Philadelphia. According to the Pennsylvania Credit Union Association (PCUA), the argument focused on the substantive issue of whether five counties in southeastern Pennsylvania constitute a well-defined local community, which is required in charter expansions (Life is a Highway June 11). Counsel for the credit unions reminded the court that substantial evidence is on the record supporting the credit unions' position. It also was clarified that the banks challenging the community charters had notice and an opportunity to be heard during the charter expansion process. "It's been a long, complex case," said Rick Wargo, association executive vice president and general counsel. "We were glad to have an opportunity to present the substantive issue regarding whether the five counties constitute a well-defined local community to the reviewing court." In a previous review of the case, the Pennsylvania Supreme Court, the state's highest court, instructed the Commonwealth Court to take a closer look at the procedures used by the Pennsylvania Department of Banking when it adjudicated challenges from certain banks and their trade groups in 2004. Freedom CU is a $360.4 million asset credit union in Warminster. TruMark Financial CU is a $1.080 billion asset credit union in Trevosa. They each were granted a community charter for five countries from the state banking department in 2004 (News Now May 12 and Sept. 29, 2008).