... lots of desert-like sand!
A small rural N.C. town. Isolated: To the north - dead end, dirt path roads, wild ponies; to the east - Bank of Bermuda, sharks; to the south - a many mile trek down Hwy 12, awash with unpredictability and 51st state, French speaking aliens (tourists!); and west - bog muck, grass marshes and gators!
With barely 1 bank, is Duck one of those H.187 - CU Update sorely "under-served, financial deserts" in North Carolina?
Worth another look by some credit union board?