1 Hourglass: Torso and hips are approximately the same width - with waist definition.  Apple: Torso and upper body wider than your hips - with little or no waist definition. You might have weight surrounding your waist.
From a legal point of view, a merger is a legal consolidation of two entities into one entity, whereas an acquisition occurs when one entity takes ownership of another entity's stock, equity interests or assets.
In relation to mergers, the credit unions should form a merger team that includes an employee from every level of the credit union that is involved in the merger process. In addition to being a touchpoint for other employees, team members can also communicate updates on the merger progress.