Through independent research and innovation, the Filene Research Institute explores issues vital to the future of credit unions and consumer finance.
Filene researchers Luis Dopico, Macrometrix, and James Wilcox, UC-Berkeley, took a great deal of care (and time) to analyze the 1984–2008 data on credit union mergers to create the most comprehensive data and analysis on this subject. In Characteristics of Credit Union Mergers: 1984–2008, the researchers found that:
More ...categories » Life Cycle and Evolution of Credit Unions, Mergers, Performance Measures
U.S. credit unions famously have a long-running federal tax exemption on their corporate-level earnings, but a lesser-known tax benefit also exists for banks. Banks may incorporate as a Subchapter S (Sub-S) corporation, which eliminates federal taxes on corporate-level earnings.
More ...categories » Lending, Performance Measures, Pricing, Taxation
Why do many large credit unions grow rapidly and thrive, while others produce much slower growth in assets, membership, and earnings? Robert F. Hoel, Colorado State University Emeritus Professor of Business and a Filene Research Fellow, sought to answer that question by analyzing data from a five- year period beginning January 2002. The result is the report, Thriving Large Credit Unions.
More ...categories » Lending, Life Cycle and Evolution of Credit Unions, Performance Measures, Small Credit Unions