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LOMBARD, Ill.—Top-performing credit unions clearly understand two things: they can’t cut their way to success, and most aren’t all that concerned about net interest margin.

FRISCO, Texas–Over the last eight years or so, credit unions have seen steady, strong often double-digit loan growth, with much of that the result of auto lending. But as loan terms get longer, CUs need to understand how risk is changing, according to one person.