Though 23% of credit union executives surveyed said their institution experienced an increase in liquidity risk, 59% of respondents don't expect a change during the next year, according to NAFCU's Flash Report. The survey found that 16.4% predicted their credit union's liquidity risk would increase in the next 12 months. The Federal Home Loan Bank Board was used as a source of supplemental liquidity by 34.4% of survey respondents and 29.5% used their line of credit at a corporate credit union. A plurality of respondents, 36.7%, said they review their liquidity risk annually and 33.7% review it monthly. NAFCU sends its survey to 130 credit union executives each month and receives about 80 responses. The survey also found that 44.3% of respondents reported a decrease in interest income and 31.1% experienced a decrease in fee income. At the same time, 34.4% of respondents reported an increase in new investments, 32.8% said they had an increase in the quantity of loans disbursed, and 29.5% said their credit union's operating expenses had increased.