An improvement in delinquency rates and a strong lending market have helped Wisconsin's state-chartered credit unions report the highest average return on assets since 2003.

According to the Wisconsin Department of Financial Institutions, the 1.0% ROA in 2012 also spurred an increase in earnings more than 81% over 2011's figure to $225.7 million.

Brett Thompson, president/CEO of the Wisconsin Credit Union League, said the state's loan ratio of 1.36% was the lowest since 2007.

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