Central Coast Credit Union has reached out to a second-choice merger partner in Unity Bank.Late last week, Unity and CCCU announced plans to merge.In February, Central Coast Credit Union called off plans to merge with Australian Military Bank. IT matters at AMB scuttled that proposal only two months after the two boards advised members of the plan.A sub-scale credit union with A$42 million in assets at last balance date, CCCU has this time selected a partner with some history in its own terrain. Unity Bank has established Central Coast based branches located at Gosford and Budgewoi."Smaller institutions have been particularly exposed to market and regulatory challenges and their associated cost pressures," CCCU and Unity Bank said in their joint media release."The Board of CCCU has been monitoring the situation and has determined that the best way forward to address these challenges and continue to provide a benefit to Members is to merge with Unity Bank," the two ADIs said in their joint media release.Subject to a CCCU member vote and other approvals, the merger is expected to be completed in the second half of 2018.