Federally insured credit unions earned $3.5 billion in the first six months of the year, up 25% from the corresponding period of 1992, according to the National Credit Union Administration.

The 12,500 institutions weighed in with a 1.5% return on net income to average assets, compared with 1.4% at year-end 1992 and 1.3% at midyear 1992.

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