Credit union executives said auto and mortgage lending are the first and second best opportunities for credit union growth in 2015.
Survey from TransUnion shows credit union executives are bullish on next year's lending prospects.
The $2.7B Tower FCU brings in $5.6 million in balance transfers using a recapture program.
TransUnion reports rate of delinquent auto loans rises by 9% in the second quarter.
Younger consumers continue to have lower debt levels.
Borrowers under the age of 30 have the lowest mortgage delinquency rate of all borrowers.
Two credit unions carrying up to a 45% concentration of home equity lines of credit said the loans are not at risk or that they have taken steps to monitor and mitigate potential risk.
A stable real estate market and payments during draw help the $4.8B ESLFCU manage a 45% concentration in HELOCs.
While the overall risk of widespread HELOC default isn't a concern, individual lenders could face credit risk on their balance sheets.
While the Urban Institute calls the statistic alarming, it says the ratio is not a new trend.