Through independent research and innovation, the Filene Research Institute explores issues vital to the future of credit unions and consumer finance.

Capital

  1. Credit Union Financial Sustainability: A Colloquium at Harvard University

    • Peter Tufano, PhD, Harvard University; John Lass, CUNA Mutual Group; Frances Frei, PhD, Harvard University; Dorian Stone, McKinsey & Co.
    • May 2, 2011 2 Comments
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    This report documents the presentations and discussions of the Credit Union Financial Sustainability Colloquium at Harvard University, which combined insights from academia and business to make a stark assessment of how sustainable the credit union business model appears. With the exception of some individual credit unions, the trends are sobering. But the problems are understandable and, therefore, manageable.

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    categories » Capital, Colloquium, Life Cycle and Evolution of Credit Unions, Strategy

  2. Alternative Capital for U.S. Credit Unions? A Review and Extension of Evidence Regarding Public Policy Reform

    • Robert Hoel, PhD, Professor Emeritus of Business, Colorado State University and Filene Fellow in Residence, Filene Research Institute
    • Dec 19, 2007 No Comments
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    In “Alternative Capital for U.S. Credit Unions? A Review and Extension of Evidence Regarding Public Policy Reform” by Robert F. Hoel, PhD, Professor Emeritus of Business, Colorado State University, and Filene Fellow in Residence examines:

    • Is it in the public interest to permit U.S credit unions greater access to alternative capital sources?
    • Can credit unions use alternative capital to expand their capital bases in a way that will not dilute their cooperative ownership, values, and governance structure?
    • If so, what alternative capital mechanisms would be most appropriate and feasible?

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    categories » Capital, Economic Issues - Policy, Lending, Management, Podcasts and Videos

  3. Is the US Credit Union Industry Overcapitalized?

    • William E Jackson III, PhD, Professor of Finance, Professor of Management, and the Smith Foundation Chair of Business Integrity, Culverhouse College of Commerce, University of Alabama
    • Dec 6, 2007 16 Comments
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    Credit union board members and employees are likely to measure their credit union using two metrics: asset size and capital ratio. For the former, bigger is always better; for the latter, there is a range of thought on what constitutes a reasonable capital level. Most credit unions have a general preference for more capital in the service of safety and soundness.

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    categories » Boards of Directors, Capital, Economic Issues - Policy, Lending, Management, Podcasts and Videos, Regulation and Deposit Insurance

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