FARMERS BRANCH, Texas (2/28/08)--TNB Card Services’ new free white paper aims to help credit unions improve their credit card portfolio programs. “Turning a Card Program into a High Performing Asset” explains how credit unions can maximize existing accounts by controlling risk, increasing income, managing attrition and growing the account base through loyalty programs, pricing and products. It also discusses marketing and promotion (LoneStar Leaguer Feb. 27). High-performing card programs average 18% penetration of the member base and 10% product yield, said Dusty Bowers, TNB senior vice president and client relationship manager. The paper also provides information about how credit unions can generate revenue by leveraging cardholders’ available credit.