In 2012, credit unions nationwide added 2 million new customers, earned a higher rate of return on their assets and saw delinquency rates decline compared to 2011. The improving economy has contributed to their success, but they say the growth is also a result of their determination to grow.

Credit unions, which have been less affected by the recession than other financial institutions, are seeking the authority to make more business loans to their members. All they need is an act of Congress.

As state employees across the country are being hammered by layoffs, pay cuts and forced unpaid days off, some state employees' credit unions are stepping in to help workers get through these tough times. Services include a variety of loan programs and even one Web site for recession and job-related tips.