SHREWSBURY, N.J. — Non-interest income has grown in importance because of tight margins.

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Credit unions have been looking for new income streams to help make up for less interest income on the loan portfolio. The No. 1 source of non-interest income as of second quarter 2006 is overdraft fees, followed by debit and credit card income and then real estate fees.

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The below two charts compare the leading non-interest income sources year over year from second quarter 2005 to second quarter 2006.

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