But the 19 year old wanting the 7 year loan on a Slade is easy enough to laugh right out of your bank based on his risk score. Or, slap him with a double digit interest rate and high enough down payment that he’s never upside down on the truck should you need to repo it.
I think Joe’s right. There is money to be made, but more money to be made elsewhere.
Now all of you go join credit unions so I get a bigger profit sharing check this year. 
Seriously, CU’s are doing great right now as people flock to them because their big banks are doing he knee jerk reaction to the credit crisis and refusing to offer good loans to even qualfied borrowers.