By 1986, both credit unions were faced with different challenges. EEFCU had reached its membership potential and BFCU lacked the resources to offer additional services to remain competitive. Combining the two credit unions was a logical solution that would be advantageous for both memberships. In 1987, the two credit unions officially merged, under the leadership of Susan J. Blanchard, CEO. A contest was held among the members to determine a new name. Submitted by Delbert Hegge, the winning entry yielded the name Tonawanda Valley Federal Credit Union.