From the Durbin amendment  to Reg E, recent regulatory developments have financial institution executives seeking new sources of revenue. However, instead of embarking on the quest, financial services industry executives should look to return to the basic fundamentals and focus on interest income, the most important revenue component for credit unions and often forgotten about.

There are four important drivers of lending performance that affect the ultimate outcome of a credit union's lending business. This article will take a closer look at how to improve each of the following components of loan yields:

• Pricing discipline,

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