What Percentage Of Total Income At Credit Unions Comes From Fees?

Take this industry performance pop quiz from Callahan & Associates to learn about trends in income.


Credit union income consists of interest income and non-interest income. Interest income comes mainly from loans and investments; non-interest income comes from outside of a credit union’s core activities. This includes fee income and other operating income.

Based on early performance data released by the NCUA, and available in Callahan & Associates’ Peer-to-Peer, Callahan projects a large increase in overall income in the first quarter of 2018. Answer the questions in the quiz below to test your knowledge of income composition.



Click on the question to view the answer.

True. Callahan projects total income will grow 14.3% year-over-year in the first quarter of 2018, jumping to $17.6 billion from $15.5 billion in 2017.

Non-interest income: Callahan expects non-interest income to grow 18.1% year-over-year, whereas interest income will grow 13.2% year-over-year. In each quarter of 2017, interest income growth outpaced non-interest income growth.

Callahan projects fee income will total $2.1 billion — 11.8% of total income — in the first quarter of 2018.

In the first quarter of 2013, fee income totaled $1.8 billion and accounted for 14.5% of total income. This quarter’s performance demonstrates how credit unions continue to develop member-friendly ways to increase the bottom line.




Interest income has increased 13.2%, or $1.5 billion, since first quarter 2017, but at 28.0%, other operating income has the larger growth.

Source: Callahan & Associates.

Callahan expects total income to increase 14.3% year-over-year. The bulk of this growth comes from other operating income, which Callahan projects will hit $2.8 billion in the first quarter, a 28.0% increase from 2017.

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May 21, 2018



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