Credit card lending remains strong in credit unions. Balances are up 11.1 percent over the past year to an all-time high of $31.9 billion. Growth in balances has come from both new accounts and higher card usage. Members have opened over 200,000 new credit card accounts over the 12 months to bring the total to nearly 12.8 million. The average card balance has increased 10 percent over the past year to $2,500.