LEXINGTON, Kent.-The lending formula at University of Kentucky FCU isn't one common to most credit unions, but then, neither is its success-nearly 20% loan growth during the last four years.

UKFCU averaged 17% loan growth in 2008, 23% in 2009, 27% in 2010, and 11.5% in 2011. It's achieved the astronomical numbers through some unconventional approaches that include connecting with potential loan applicants through online chat and social media, and growing home equity lending by 20% through a unique arrangement with Realtors.

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