The seven account for 2% of commercial loans at credit unions, but 22% of commercial delinquencies at the end of last year.

New Mexico credit union is working to clear its books of problem loans.

Delinquency rates rose last year for commercial loans, which account for nearly 24% of its total portfolio.

The pre-merger First Tech's commercial delinquency rate ends the year at 6%, but Digital's Jan. 1 acquisition lowers the new credit union's rate to 3%.