As he comes to the end of a career,
Howard thinks back to the beginning
Of his Credit Union days, when winning
Wasn’t foremost on his mind, nor was fear
About the future: he’d a ship to steer
Right through the rough waters, with waves dinning
Drums of bank rates against North Shore’s spinning
Event of jumping off its safety pier.
Where would we be now without Howard’s keen
Eye for “flakes”, “drunks” and other non-payers?
Lest he forget, we must remind Howard
Of his undying faith in the unseen
Community of C.U. team players,
Kept on track by him who was no coward.
July 26, 1984