Net income and net worth increased at federally insured creditunions during the third quarter, but overall lending was flat andthe rate of member bankruptcies increased over last year, accordingto data released last week by the NCUA.

From July through September, those credit unions had an 11.3%increase in net income, from $1.8 billion to $3 billion. Net worthrose from $89.3 billion to $90.6 billion, a 1.4% jump.

The delinquency ratio rose to 1.74% from 1.73% in the secondquarter. Overall credit union lending was virtually unchanged, itrose 0.1%. Real estate loans rose 0.1%, following a 0.4% growth inthe second quarter. Used car loans rose only 1.8% and unsecuredloans increased by 1.4%. New vehicle loans fell 3.6%.