Non-Interest Income

Tight margins, a rapidly rising rate environment, and increasing competition in the payments landscape are causing a decline in non-interest income for credit unions and negatively impacting their earnings models.

Copied to clipboard!

Why it matters

In order for credit unions to maintain financial stability and be able to give back to their members in the form of better rates and lower fees it is necessary to generate non-interest income. As our industry continues to see declining levels of non-interest income we need to get a clear picture of what's happening in the marketplace and explore new opportunities to revamp our traditional earnings model.

Understanding the gaining popularity of payment options like Buy Now Pay Later as well as larger banks and fintechs not charging traditional overdraft and nonsufficient funds (OD/NSF) fees. These major shifts in the financial services landscape represent a big threat, especially for credit unions looking to protect and grow their earnings.

Copied to clipboard!

Research in this topic

View All

Report #671 | Jun 23, 2026 | Members
Non-Interest Income Strategy and Planning

Beyond ROI: How Credit Unions Realize Strategic Value from CUSO Investments
- Quinn Kinzer
- Mike Schenk
Credit unions face growing pressure to innovate, meet evolving member expectations, and access capabilities that are increasingly difficult to build independently. This report elves into how leaders can utilize their CUSO investments to produce meaningful outcomes beyond their traditional cost-sharing and capacity building functions.
Report #622 | Dec 5, 2024
Payments Non-Interest Income Innovation

Year Two FiLab Results: Flow
- Doug Leighton
- Maddie Gunderson
Competition in the payments space continues to heat up. That's why FiLab partnered with Flow to test their platform on its ability to enable credit unions to communicate with the members when they are most engaged—at the point of sale with their card.
Report #631 | Nov 13, 2024
Non-Interest Income Innovation Financial Well-being

Year Two FiLab Results: Subscription-Based Pricing Models 2.0
In its second year, FiLab introduced Subscription-Based Packaging 2.0 as one of seven solutions for the 2024 testing phase. In the following report we share highlights from a collaboration between credit unions and FiLab including comprehensive qualitative feedback from members about the desirability of subscription-based packaging models in financial services.
Report #614 | Aug 8, 2024 | Members
Non-Interest Income Innovation Financial Well-being Benchmarking and Key Performance Indicators

The Impact of Losing Overdraft Protection and How Credit Unions Can Move Forward
- Caroline Vahrenkamp
- Jessica Gamache
*15-Minute Read—This brief helps credit unions identify potential strategies to move away from overdraft protection fees, while maintaining a positive member experience.

More opportunities

View All

Member Exclusive Webinar | May 21, 2026
Payments Non-Interest Income Strategy and Planning

Trying to Understand the Latest on Real-Time Payments, Stablecoins and Tokenization? Learn About the Latest Payment Trends and How to Prepare for What’s Ahead.
This member-exclusive webinar unpacks the fast-moving world of real-time payments, stablecoins, tokenization, and the GENIUS Act to help credit union leaders cut through the noise. Filene Fellows Dr. Henry Kim and Dr. Lamont Black share the biggest opportunities, challenges, and strategic actions your credit union can take now to get ahead of what's coming.
Blog | Dec 20, 2024
Non-Interest Income Financial Well-being

Top 5 Research Reports of 2024
What was top of mind for credit union leaders this year based on our most downloaded research reports?
Blog | Oct 30, 2024
Non-Interest Income Benchmarking and Key Performance Indicators

Webinar: The Impact of Losing Overdraft Protection and How Credit Unions Can Move Forward
- Jessica Gamache
- Taylor C. Nelms
Review webinar materials from The Impact of Losing Overdraft Protection and How Credit Unions Can Move Forward hosted October 29th, 2024.
Blog | May 2, 2024
Non-Interest Income Benchmarking and Key Performance Indicators

Maximizing Efficiency of Operations: The "New Currency"
- Mike Higgins
Operational efficiency is a necessity for credit unions looking to drive profitable growth while strengthening financial stability. The following overview explores economy of scale though an analysis of 585 credit unions to identify characteristics of top performing institutions.

Membership

Big Questions We're Asking

Topics in Action

Research Reports

Blogs

Quarterly Action Plans

Podcasts

Centers of Excellence

FiLab

Member Pulse

Speaking & Strategy

Innovation Groups

CUltivate

Commissioned Research

HerMoney

The Cooperative Trust®

Filene i3

Think Tank

Inner Circle

Supporters

Our People

Press Hits

Contact

Careers

Search

Browse by Type

Non-Interest Income

Why it matters

Research in this topic

Beyond ROI: How Credit Unions Realize Strategic Value from CUSO Investments

Year Two FiLab Results: Flow

Year Two FiLab Results: Subscription-Based Pricing Models 2.0

The Impact of Losing Overdraft Protection and How Credit Unions Can Move Forward

More opportunities

Trying to Understand the Latest on Real-Time Payments, Stablecoins and Tokenization? Learn About the Latest Payment Trends and How to Prepare for What’s Ahead.

Top 5 Research Reports of 2024

Webinar: The Impact of Losing Overdraft Protection and How Credit Unions Can Move Forward

Maximizing Efficiency of Operations: The "New Currency"

Related topics in action