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The November issue of the NAFCU Economic & CU Monitor examined credit union membership in Federal Home Loan Banks and found that 50 percent of respondents would be more likely to join FHLBs if it satisfied NCUA's liquidity rule.

"The October 2013 regulation required all credit unions with over $250 million in assets to establish access to a contingency funding source either through the Federal Reserve Discount Window or the Central Liquidity Facility, but FHLB membership is not enough to satisfy the requirement," according to the ECUM.

Currently, credit unions make up 17 percent of all FHLB members. As of June, 19 percent of all credit unions were FHLB members.

The survey also focused on overdraft fees. It found that every respondent offered members an alternative to overdraft or courtesy pay programs and that 91.2 percent of respondents reversed overdraft charges on a case-by-case basis.

The next Monitor focuses on prepaid cards, and the deadline for survey participation is Dec. 2; survey links are available on NAFCU's website.