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Auto loans continue as a mainstay of credit union service to members, but as much as things stay the same, they’re always changing, too.

For instance, new car balances are growing as a proportion of the total market, and more strikingly, perhaps, indirect lending is building its lead over direct lending in total balances in the industry – new and used – after first nudging past it in the second quarter of 2015. That’s despite some misgivings among credit unions about the stickiness and quality of relationships with members and dealers alike.

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