Another Road To ROA

The top 10 credit union leaders in non-interest income as a percent of total income.


The continuation of a low interest rate environment and rapid-fire legislative changes have kept financial institutions on their toes in the search for sustainable non-asset-based income solutions. The potential effects of the Durbin Amendment may impact the non-interest income strategies of some institutions, but the cooperative system has a number of ways to develop or pioneer new income opportunities, including operational sources and CUSO income.

A higher percentage of non-interest income in relation to total income may indicate a higher reliance on income generated from areas other than asset-based sources such as interest on loans and investments. The ratio is most influenced by three strategic decisions: the credit union's lending philosophy, the credit union's philosophy toward spread management, and the credit union’s emphasis on developing non-balance sheet forms of income.

These 10 credit unions ($20 million + in assets) lead their peers in the development of non-interest income in relation to their overall income.

Leaders In Non-Interest Income
For All U.S. Credit Unions $20M+ in Assets | Data as of 4Q 2010
Rank State Credit Union Dec. 10 Dec. 09 Change
1 FL Financial 56.47% 55.36% 2.01%
2 CT New Haven County 56.29% 55.44% 1.53%
3 TN Methodist Healthcare 54.29% 51.22% 5.99%
4 TN First South 53.49% 46.70% 14.54%
5 MO St. Louis Community 53.08% 49.25% 7.78%
6 MD Market USA 52.73% 50.75% 3.90%
7 NY ACTORS 52.23% 55.32% -5.59%
8 CT First New England 51.97% 55.13% -5.73%
9 MO Kansas City 51.68% 41.84% 23.52%
10 GA CGR 51.55% 48.35% 6.62%
Source: Callahan & Associates' Peer-to-Peer Software.



April 7, 2011


  • What fees are they charging to make that much fee income?
    Steve Ahlness
  • I'd also like to know what their mortgage origination and selling income is in relation to toal fees. If they are primarily smaller CU's with heavy overdraft they're in trouble
  • I am guessing that they turned on thier overdraft protection for debit cards. The opt in regulation has had this affect on some credit unions.