While it may be hard to convince some, loans per member areactually up, reversing declines in 2011, 2010 and 2009.

According to CUNA Mutual Group's January Credit Union TrendsReport, which tracked data through November 2012, loans permember of $6,343 were up just 1.9% year-over-year.

“This small victory is welcome. The low dollar amount highlightsthe real opportunity,” said Dave Colby, CUNA Mutual chief economist.

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