PORTLAND, Ore. – A survey of first quarter credit union card trends suggests that more credit unions need to improve their card marketing. Asset Exchange, a leading broker of credit union's card portfolios based in Portland, Oregon, has surveyed NCUA data and reported that card penetration fell among credit unions overall. Most credit unions have between 10 or 30% penetration for their cards, according to NCUA's records, Asset Exchange said, and larger credit unions have a somewhat higher penetration. The data also showed that 59% of credit union card portfolios were smaller in March 2003 when compared to March 2002, but the data also showed that credit unions had 2.5% more card assets than they had a year before. Asset Exchange reported that, based on its observations, 10 credit union card portfolios sold in the first quarter of 2003, a rate that approximates 2002′s rate. The firm also reported that the portfolios sold were about 50% larger than last year's first quarter sales.