CU asset growth during Janurary nearly tripled over the same period one year earlier, according to analysis by CUNA. The rocketing asset growth caused credit unions' average loan-to-share ratio to fall from 71.2% in December 2002 to 70.1% in January, CUNA reported. Savings balances grew 1.7% while loans outstanding grew a slight 0.05% in January. Strong share draft growth, 4.2%, led savings growth in January, followed by regular shares, 1.6%, and certificates, 1.1%. Other January results: credit card loans dropped 2.3% in January; fixed-(1%) and adjustable-rate mortgages (0.5%) led loan growth; auto and home equity loans rose 0.05%; and delinquencies rose slightly to 0.80%.