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Non-Interest Income

Tight margins, a rapidly rising rate environment, and increasing competition in the payments landscape are causing a decline in non-interest income for credit unions and negatively impacting their earnings models.

Why it matters

In order for credit unions to maintain financial stability and be able to give back to their members in the form of better rates and lower fees it is necessary to generate non-interest income. As our industry continues to see declining levels of non-interest income we need to get a clear picture of what's happening in the marketplace and explore new opportunities to revamp our traditional earnings model. 

Understanding the gaining popularity of payment options like Buy Now Pay Later as well as larger banks and fintechs not charging traditional overdraft and nonsufficient funds (OD/NSF) fees. These major shifts in the financial services landscape represent a big threat, especially for credit unions looking to protect and grow their earnings. 

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