Don't forget once they're in banking business, whenever legalization occurs on the local level (& that could be a year or more out) the banks could buy them out.
HRDN has found a great niche..... I think its going to be many years before financial institutions jump into the MJ financing game. Let HRDN establish itself as "the" MJ Credit Union and all mj businesses will flock to bank w/ HRDN. And all the mj Collectives/businesses will continue to utilize Bobs services, even after Big Banking joins in on the fun.