"$95 million returned to members over 30 years, with $4.8 million coming this April." That's the staggering figure River Valley AgCredit CEO Kyle Yancey shares as he breaks down the cooperative's patronage refund program in this revealing conversation. What exactly is patronage, and why don't traditional banks offer it? Yancey explains the concept using a vivid waterfall analogy, showing how money flows through the organization - first covering operating expenses and capital requirements bef...