By deliberately lending more to members with near-prime credit scores and not as much to members with prime scores, two credit unions are beefing up their balance sheets.

“I don’t avoid my A paper members,” explained Teri Robinson, president/CEO of the $14.8 million Pacific Northwest Ironworkers Federal Credit Union in Portland, Ore. “If one of them comes in with a loan offer from somewhere else, I will match the rate. But honestly, we don’t really have that many of them.”

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