For NGFCU, 2013 saw a change in focus towards more consumer lending. There was an impressive gain of $26.5 million in consumer loans granted compared to 2012. The total loans granted balance of $167.7 million was the best ever recorded by NGFCU. Not surprisingly, but equally impressive is the fact the loans granted per member ratio also reached record levels for the Credit Union. Credit card balances were up 59%, reaching a record high of $36.1 million. As a point of reference, revolving credit balances in the entire U.S. grew only a little over 1% in 2013. There was a sharp rebound of NGFCU new vehicle loan balances, which grew 48% in 2013. Used vehicle balances grew at almost twice the rate seen in 2012. At $61.5 million, NGFCU’s used vehicle loan portfolio reached record levels. The credit union also saw an increase in membership that was at the highest rate since 2004. On the deposit side of the ledger, regular share balances grew by 7.9%, share draft balances grew by 5.8% and money market account balances grew by 3.4%. Total deposit balances grew by 2.9% overall, to $821.1 million. NGFCU’s average fees paid per member remained about half that of the 2013 U.S. credit union average.