Consumer/Member Data

Pre- and Post- Retirement Asset Portfolios
- Jinkook Lee, PhD, RAND Corporation; Arie Kapteyn, PhD, RAND Corporation; Erik Meijer, PhD, RAND Corporation; Jung-Seung Yang, Seoul National University
- Jun 9, 2010 No Comments
Is your credit union ready to manage the retirement assets of America’s largest generation? Pre- and Post-Retirement Asset Portfolios draws on the RAND Corporation’s Health and Retirement Study (HRS) to compare the asset-holding and selling trends between baby boomers and previous generations. The researchers examine important individual variables, like education, age, and family situation, along with multivariate factors to elicit the most important factors affecting asset holdings before and after retirement.
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categories » Consumer/Member Data, Marketing, Consumer Behavior and Market Research
Credit Union Implications of Living Trusts
- Jinkook Lee, PhD, RAND Corporation; Arie Kapteyn, PhD, RAND Corporation; Jung-Seung Yang, Seoul National University; Christopher Sharon, RAND Corporation.
- Jun 8, 2010 No Comments
An entire generation of Americans is beginning to retire in a new way. As defined benefit plans disappear, they are being replaced by defined contribution plans: 401(k)s, 403(b)s, and individual retirement accounts (IRAs). Credit union members are living off those nest eggs and planning to leave slices of the eggs to their heirs. The systematic collapse of the company pension, which shows no signs of stopping, means real changes in the way Americans retire— and in the way financial institutions can serve retirees.
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categories » Consumer/Member Data, Marketing, Consumer Behavior and Market Research
Customer Experience and Credit Union Opportunities: A Collaboration with McKinsey & Company
- Mark C. Meyer, J.D, CEO Filene Research Institute; Ben Rogers, Research Director, Filene Research Institute
- Feb 1, 2010 1 Comment
“Credit unions seem to be like the guy who’s best friends with every girl in school but can’t get a date.”

Every high school has a Tom. He’s a decent student, and he’ll attend an OK college. He’s on the cross-country team but finishes most races out of the top 10. His pants are a few years past the going style. Tom is earnest and sincere, and actually pretty fun once you get to know him. His sincerity has won him the confidence of many of the girls. But Tom has one big hang-up. When it comes to serious dating, Tom always strikes out. He can get a date to the dance, but long-term, steady relationships are where he falls short. Every girl likes Tom well enough, but none of them will commit to him. Credit unions are like Tom.
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categories » Consumer/Member Data, Human Resource Issues, Marketing, Consumer Behavior and Market Research, Podcasts and Videos