Australian Central Credit Union may need to work harder on its modified strategy in order to offset the lower yield from its conventional lending and transaction business.Profit fell one third to $4.0 million in the half year to December 2008 according to brief highlights published in a media release yesterday.New business fell nine per cent to $186 million while loans on the balance sheet fell two per cent to $2.6 billion.ACCU is looking for alternative revenue streams, building on its experiments to operate more as a mortgage manager and broker when customers are looking for a home loan.The credit union said it had $358 million in loans under advice, though it purchased most of that portfolio from Royal Automobile Club of WA in the middle of last year. Taking the third-party mortgage book into account, loans under advice increased 13 per cent over the year.ACCU said it opened four new outlets in South Australian and consolidated operations in Darwin over the reporting period.