With continued slow but steady improvements in the economy—aided by the benefits of increased consumer and business spending, a stronger housing market and lower fuel costs—NGFCU was able to achieve the following:

• Investment income per member at almost five times the national average
• Fee income per member at about half the national average
• Gross income growth of 12%, more than three times the national rate
• Net income growth of 31%, four times the national rate
• Non-interest expense to income ratio less than the national average
• Term Deposits up almost 8% in total balances, while the credit union industry declined by more than 1%
• Real estate and new vehicle loan balances grew faster than national averages