The strategic planning season is in full swing. Conference rooms everywhere are being filled with executives pouring over lengthy presentations covering financial data, operational costs, forecasting and budget proposals. Executives are asking themselves, “What am I going to do differently next year to drive growth?”

Critical to a credit union’s financial performance is loan income. There are several options for loan growth that a credit union will focus on but probably the most important is growth from within. Typically termed as organic loan growth, it is considered the most profitable loan revenue source as it comes from members already doing business with you. The more products a member has with their credit union, the more profitable they are and more likely they are to remain a member for life.  

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