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Credit unions across the land have learned to live with the razor-thin margin between savings and lending rates by nurturing sources of noninterest income. Sure, everyone in credit union land knows that.

But did you know that it’s not all fee income? Not even close. In fact, fee income as a percentage of average assets has basically held steady for more than 15 years. It was 0.64% among all U.S. credit unions in 1999, spiked to 0.88% during the recession in 2008 and settled back to 0.66% in 2015.

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