White Paper

Innovative & Member-Friendly Sources of Non-Interest Income - One Page Summary

By CUNA Councils

posted 12.12.2019 (finance)

This is a one page summary of the full white paper.

The pursuit of non-interest income (NII) sources is nothing new to credit unions. In fact, credit unions are relying more heavily on NII than ever—not only as a major source of revenue, but to grow. In 2018, NCUA call reports indicated NII as a percentage of gross income was 27%—up from 19% in 2008. The sources of NII need to be regularly reviewed for ongoing validity and diversification of offerings, with new sources added and others retired. When credit unions make NII decisions as financial partners in members’ best interests, loyalty and goodwill follow.

This white paper focuses on NII strategy and sourcing that combines solid revenue streams with member needs, including:

  • Strategies credit unions are deploying in their NII approaches,
  • Creating a healthy balance between interest and non-interest income—now and in future economic situations,
  • The pressures of interchange income (and other factors) that drive NII’s importance, including associated risks of growing and relying more heavily on NII,
  • Innovative products and partnerships credit unions might pursue, and
  • Approaches that combine and consider solid revenue streams along with member needs.
This resource is only available to members. Please login to download or explore member benefits and join today

 

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