With three bogeys on the horizon threatening non-spread revenue, Dave Colby thinks the best ways to attack those potential problems are to increase the volume of activity on transaction accounts and simply grow loans.

Credit union members pay hefty fees at foreign ATMs, so why aren't CUs making non-members do the same when using credit union ATMs?

Credit unions still have plenty of opportunity to boost their non-interest income streams through interchange revenue, but they need to take action now if they don't want to lose that business once mobile and EMV become major players.

Non-interest income will be down this year industry wide, cautions one economist who feels there's room for many CUs to increase their fees as well as leverage CUSOs to help soften the blow.

Non-interest income at credit unions may have reached a recent-year high, but multiple threats to what has been a growing revenue stream have analysts recommending it's time for improved and new income approaches.

Saying credit unions can't continue to rely as heavily on non-interest income as they have in recent memory-and certainly not the same sources-Bill Handel is urging CUs to lean on their abilities to price effectively and leverage CUSOs to keep the bottom line intact.

A stronger housing market means its time to consider adding realty services.

At least one analyst is concerned credit unions are reversing their own bottom lines when it comes to fee reversals.

Not only should credit unions be making loan applications available online, but they can boost their non-interest income revenue by adding an option for insurance quotes at the end of those applications.

Older Americans today are carrying more credit card debt, as will individuals who head toward retirement 30 years from now.

RALEIGH, N.C.-State Employees CU said it will deposit $25 million into a charitable trust to benefit the National CU Foundation and the Carolinas CU Foundation.

Banno, Cedar Falls, Iowa, hired Charles Potts as president.

Last year's merger of Southeast Corporate FCU into Corporate One FCU, creating one of four major surviving national corporate credit unions, was accomplished with up to $15 million of financial assistance from NCUA to help make up for potential shortfalls due to troubled Southeast investments.

Financial institutions in some states are paying deposit rates that are much higher than the national average, but institutions in those states shouldn't agonize too much about paying up for the funds.

International Program Now Open

Now that the purchase is complete and GFA FCU operates the one office of the former Monadnock Community Bank, the credit union is advising any CUs following in its footsteps to prepare for regulatory curveballs when finalizing a deal for a stock-owned bank.

Verity Credit Union has relaunched its "Cartwheel For A Cause" contest-a community involvement program that earned the $396-million CU plenty of positive attention in 2011.

Catalyst Corporate FCU announced it will roll out an agent loan participation program in the next few weeks that will connect credit unions that want to sell loans with those that want to purchase an interest in a loan pool.

Republican senators have filed a bill that would block the Consumer Financial Protection Bureau from enforcing or implementing a host of new mortgage and credit card regulations until a new director is confirmed by the Senate-intensifying the chess game over the fledgling consumer agency.

Charlotte Metro CU here saw a nearly 50% increase in product openings after launching a direct mail campaign targeting specific demographics in its membership area.