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UPPER MARLBORO, Md. — The $900 million NASA Federal Credit Union has discovered, as have other credit unions, ways to improve what had been a moribund credit card program into a higher performing asset.

The credit union has about 67,000 members and Vice President Erin Hamilton reported that roughly 23,000 of them have and use one of the credit union’s five card products. This gives NASA a penetration rate for its cards of roughly 34%, higher than the industry average, but Hamilton reported that the card program had begun to stagnate.

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